Note: This offer was sent by email and the landing page says ‘Thank you for being part of the FNBO family!’ I don’t see any intended terms in the fine print, but YMMV.
Offer at a glance
- Maximum bonus amount: 500 dollars
- Availability: CO, KS, NE, IA, SD, IL, TX, MO, WI & WY
- Direct deposit required: Yes, $1,500-$3,000
- Additional requirements:
- Hard/soft pull: Gentle pull
- ChexSystems: Unknown, sensitive
- Credit card financing: ANY
- Monthly fees: No.
- Early account closure fee: ANY
- Family boundary: No.
- Expiration date: 31.5.2026
Offers
- FNBO offers a $500 bonus when you open a new FNBO checking account with promo code 500 FIT. Bonus is tiered depending on direct deposits received within 90 days of account opening:
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Earn $300 with total qualifying direct deposits of at least $1,500
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Earn $500 with total qualifying direct deposits of at least $3,000.
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Fine Press
- Offer Availability: This cash bonus promotional offer is available online and at FNBO-branded branch locations in counties served by First National Bank of Omaha (“FNBO”). To qualify, a new eligible personal checking account must be opened on or before 5/31/2026.
- Eligibility: This offer is only available to customers who do not currently have an open FNBO consumer checking account at the time of account opening. Customers who closed an FNBO checking account within the previous 6 months are not eligible. Limit one (1) bonus per customer. For joint accounts, only one (1) bonus will be paid per qualifying account.
- How to earn the bonus: To earn the bonus, the customer must: (1) open a new eligible personal checking account with FNBO on or before 5/31/2026; (2) provide promo code EARN500 at account opening, either online or in branch; (3) receive qualified direct deposits within 90 calendar days from the day the account is opened; and (4) keep the account open and in good standing for at least 120 days beginning on the day the account is opened.
- Bonus Amounts: Bonus eligibility is based on the total amount of eligible direct deposits received within 90 days of account opening, as follows:
- $300 Bonus: Total qualifying direct deposits of at least $1,500, with at least one (1) qualifying direct deposit received in each of three (3) consecutive 30-day periods beginning on account opening day.
- $500 Bonus: Total qualifying direct deposits of at least $3,000, with at least one (1) qualifying direct deposit received in each of three (3) consecutive 30-day periods beginning on account opening day.
If the customer qualifies for the $500 bonus, the customer will only receive the $500 bonus and not both bonus amounts.
- Qualifying Direct Deposits: For purposes of this offer, qualifying direct deposits are electronic ACH deposits such as payroll, pension or government benefit payments.
- Non-Qualifying Deposits: The following do not qualify as direct deposits for purposes of this offer: transfers from bank accounts, transfers from brokerage accounts, person-to-person transfers, mobile deposits, ATM deposits, domestic transfers and deposits made at a branch. Qualifying direct deposits must consist of funds coming from a source outside of FNBO and FNBO Direct and cannot be funded by transfers from any existing FNBO or FNBO Direct accounts.
- Account Status and Bonus Payout: Qualifying checking account must remain open and in good standing for at least 120 days after account opening. For purposes of this offer, “good standing” means that the account is open, not overdrawn or negative, and not otherwise in default under any agreement between the customer and FNBO. If all applicable offer requirements are met, the bonus will be credited to the qualifying checking account within approximately 30 days after FNBO determines that all requirements have been met. If the account is closed or is not in good standing before the bonus is credited, the bonus will not be paid.
- Additional Terms: FNBO may verify eligibility and compliance with this offer and its requirements. This offer is subject to account approval. A minimum opening deposit may be required. Standard account fees, account terms and conditions apply and are subject to the applicable account agreement, fee schedule and other information provided at account opening.
- Bonus payments may be reported to the Internal Revenue Service on Form 1099-INT or other applicable tax form. Customer is responsible for any federal, state or local taxes resulting from receiving the bonus.
- This offer may be modified, suspended or terminated at any time without notice, except as prohibited by applicable law. Offer void where prohibited.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
FNBO Free Check has no monthly fees to worry about.
Early account termination fee
According to fee schedule there is no fee for early account closure.
Our verdict
The bonus is easy to meet, it should be open to everyone based on the terms. We won’t be surprised if this is pulled early, even though they have had personal bonuses up to $500 before (some savings required). It will be added to best bank account bonuses
Hat tip to the reader Pickle Rick & Luke
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