Free. Secure. Anywhere. Mobile Banking from FNBO Direct lets you easily view and manage your money right in the palm of your hand anytime, anywhere! Best of all, it’s free.

Mobile Banking is available to all customers; just download the app and log in with your Online Banking user name and password for a secure Mobile Banking experience.

- Quickly access your account with Face ID® or Touch ID®
- View account balances and transaction history
- Pay your bills and credit cards
- View scheduled and recent payments
- Transfer money between your FNBO Direct accounts
- Transfer money to other customers at this bank
- Deposit checks – Snap a photo of your checks and deposit them remotely
- Contact a customer service representative

At FNBO Direct your security is always our top priority.
- Account information is never stored on your phone
- Data transmissions are encrypted with the same secure technology as Online Banking

- Mobile Banking is free from FNBO Direct (but your mobile carrier’s message and data rates may apply)
- Download the app and log in with your Online Banking username and password

View our Security Statement at:

- Deposits are subject to verification and are not available for immediate withdrawal
- See the terms in the app for limits/availability and other restrictions

FNBO Direct is a division of First National Bank of Omaha, a subsidiary of First National of Nebraska, Inc.

What’s New

Version 4.38.0

Enhancements to help our customers get logged into the right app

Ratings and Reviews

2.5 out of 5
49 Ratings

49 Ratings

fnbouser ,


App crashes while trying to load

Developer Response ,

We’re sorry to hear about the difficulties you’ve been experiencing with the app. If you are still experiencing issues, please give us a call at 1-877-370-3707 so we can troubleshoot further. Thank you.

Claire Josephine ,

Can’t do many of the important features

But they are not upfront about this. Presumably, as a “fix” for their crappy limited technology, there is a link to the full website which also lacks needed options if accessed on a phone. No warning as well. I have to get a laptop or desktop to access certain fundamental things such as transferring monies between my own accounts at different institutions. For a company that is primarily online they should invest in better technology, have more information embedded in their app/ website and have more knowledgeable, kinder people on phone support. This bank behaves with little to no respect for my time or needs when it comes to managing my accounts. I regret choosing them.

Developer Response ,

Claire, we're truly sorry your experience was not to your satisfaction. We are striving to create the best mobile banking experience in the market and customers like yourself that are willing to give us feedback are invaluable for both our mobile app and our bank in general. 

Json627 ,

Basically it’s the mobile version of web site

This app has zero utility. Being an online savings bank, the most likely reason a user would access this app would be to execute an external transfer.

With that functionality missing, I’m not sure what the point was in creating this app.

I will continue to use the convoluted process to access the full site on chrome until FNBO can provide an app with the necessary functionality of a savings bank app (which is simple, balance and external transfers....)

App Privacy

The developer, FNNI, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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