A Message from David Cota, Executive Vice President, FNBO

The one certainty about 2020 has been its uncertainty.  We recognize that reality at FNBO and understand how events of the past few months are impacting your business. We have provided over 7,000 businesses with more than $800 million in funds through Paycheck Protection Program Loans that helped preserve an estimated 90,000+ jobs. Additionally, we provided support in the form of payment deferrals and other financial relief options.

At the same time, our support of the communities we serve continues.  Recently, we awarded more than $3 million to 27 organizations in Colorado, Illinois, Kansas, Nebraska, South Dakota and Texas providing support to individuals and businesses impacted by the COVID-19 pandemic.  These dollars focus on housing, workforce stability and small business support programs.

If you obtained a PPP loan from FNBO, you probably have questions about recent updates from the federal government to the forgiveness process and certain qualifying aspects of your loan.  Please know we are continuously monitoring these changes and in communication with our borrowers.  Thank you for being our customer.  We are stronger together.


David Cota,
Executive Vice President, FNBO

Relief resources and information to help your business.

PPP Forgiveness

See the most recent information on PPP Forgiveness.

Relief Information & Resources

Learn about assistance options and find useful information.

Capabilities & Services

Options and services to help your business now and in the future.


Our team of experts is ready to help you.

Mobile app

Payments, Deposits & More.

Wherever you are, there are many ways you can make and receive payments, deposit money to your account or get cash. And, even if you’re confident with your current processes, it’s always good to have a backup plan.

  • PayMaker: You can digitally send and receive business payments from anywhere (check or ACH) through our payments platform, PayMaker. PayMaker also gives you the ability to convert your payments to ACH and removes the need to manually mail or receive payments by check. Enroll in 5 minutes or less under the “Pay & Get Paid” tab on your online banking dashboard.
  • Branch Drive Thru: You can still bank with us at your local branch with our drive thru services during operating hours. And, you can also deposit checks or cash 24/7 at our deposit accepting FNBO ATM’s. Keep updated with our branch statuses.
  • ACH Transfers: If you’re not enrolled in PayMaker, be sure you have a contingency plan for submitting and approving ACH and wires, including the possibility of writing checks.
  • Order Checks: You can order checks under the “Services” tab on your online banking dashboard.
  • Mobile App Deposits: In response to COVID-19, we have increased mobile app deposit limits for business customers through June 30, 2020. View your increased deposit limit in the “Make a Deposit” section in your mobile app.
    To enroll in Business Mobile Banking, go to the “Services” tab on your online banking dashboard. From there, you can enroll your business and download the app.
  • Cash Vault Services: Cash Vault Services are designed for businesses that make frequent deposits of cash and checks, or require a continuous inventory of coin and currency. You can make sure you have enough cash on hand, and that your deposits are processed securely and on-time with Cash Vault Services.
  • Fraud Protection: Consider adding fraud prevention tools and alerts to your account. You can customize account alerts under the “Account” tab on your online banking dashboard and add fraud prevention under the “Administration” tab.
Woman on laptop

Support Team

Our team of experts are ready to help you navigate the upcoming days with experience and support you've come to expect. There are a variety of ways you can get the answers you need.

For non-urgent needs, we ask that you:

For urgent needs, we’re ready to assist you:

Paymaker on an iPad

Manage Your Accounts Online

As social distancing takes effect, it's paramount to enroll your business in online banking and payment tools if you haven't already. Complete the enrollment form and we will notify you when the enrollment process is complete on our end, usually within 1 business day. Then you’re good to access your new online account!

  • Setup account alerts with a variety of alert settings
  • Add additional products and services at any time
  • Send secure messages to our support team 24/7
  • Conveniently make payments and transfers
View Online Banking Features