Circle One Employees

Standing Strong Together

COVID-19 is first and foremost a global health crisis that requires extreme measures to overcome. As the world works to mitigate its health impacts via social distancing, there will be devastating impacts to the financial health and well-being of individuals, businesses and entire communities.

For more than 160 years FNBO has been committed to ensuring every individual has access to the tools, resources and opportunities that contribute to their financial wellbeing. That commitment remains, even during this difficult time. We will continue to stand strong with those who matter most – our customers, employees and our communities.

Family doing homework together

How We’re Supporting Customers with Personal Accounts

Doing what’s right for our customers is always our top priority and remains so during these unprecedented circumstances. We have financial relief and product options available for customers that have been impacted by COVID-19, such as:

  • Refunds on overdraft fees, late fees, non-sufficient funds fees and balance-related monthly maintenance fees
  • Payment deferrals
  • Providing solutions that can help with short term needs on current or new products

Request Support and Get Information:
If you’ve been directly impacted by the COVID-19 situation, please call us at 855-350-6482 to determine eligibility, product assistance details, and see how we can help. If you are a business customer, in need of assistance, please click here.

Please note that credit payment deferrals will create a balance at maturity. Additionally, up-to-date mortgage customers will not experience any negative credit bureau reporting when requesting relief options and we have temporarily paused foreclosure related activities.

Click here for more information regarding support for our mortgage customers.

FNBO branded socks

How We’re Supporting Our Employees

The health and safety of our employees is also a top priority at FNBO. We have taken a number of precautionary measures to limit exposure and minimize risk to our most valuable asset including but not limited to: providing work from home capability for all nonessential employees; temporarily revising pay and attendance policies so that employees can adequately care for themselves and their families; providing access to zero cost telemedicine visits through our health insurance partner, increasing focus on daily cleaning in high traffic areas using cleaning products that meet or exceed industry standards;  postposing all large employee events until further notice; and restricting business travel outside the US and limiting nonessential business travel within the US.

FNBO Sculpture Garden

How We’re Supporting Our Communities

At FNBO, we take this crisis very seriously and are committed to doing our part to help mitigate the financial impact the virus will have on individuals and families in all of our communities, particularly on those most vulnerable. Consistent with our dedication to supporting the financial wellbeing of our customers and the economic success of our communities, we are focusing our philanthropic investments on community partners working to support the short and long-term needs of those that are most financially impacted by the current crisis. In the coming weeks, FNBO will be awarding:

  • Housing Stability Grants to organizations providing direct financial assistance for short-term housing needs such as mortgage, rent, and utilities in order keep families in stable housing; and direct financial assistance for short-term health and human care needs such as food and medical expenses.
  • Workforce Stability Grants to organizations providing services that generate long-term impacts related to workforce development such as employment case management, employment skill development, employment search support, job placement, and job coaching.

These grants will be awarded in the coming weeks.  Stayed tuned for updates regarding our grant recipients.

Young couple at their kitchen table

Do You Need Assistance with Issues Not Directly Related to FNBO?

COVID-19 is impacting everyone in various ways – physically, financially, and mentally. Fortunately, the United Way 2-1-1- Helpline is here to provide assistance. By using the helpline, you will be connected to locally curated social services information available in all 50 states. You can call, text, email and web chat with trained specialists to connect with essential services, such as accessing food, mortgage/rent/utilities assistance, and locating free childcare. Please note: 2-1-1 cannot answer any medical questions.

Dialing 2-1-1 connects you to a live conversation with a trained service professional in your area. 2-1-1 is:
Accessible 24/7/365
180 languages

2-1-1 Helpline – the simplest way to access locally curated social services information available in all 50 states. Call/text/email/web chat with trained specialists to get in touch with essential services, such as accessing food, home internet and emergency financial assistance

United Way Worldwide –find your local affiliate of United Way, fighting for the health, education and financial stability of everyone in every community

Click here for more info/resources 2-1-1 can provide, including:

  • Assistance with medical expenses and insurance
  • Home internet access
  • FMLA
  • Mortgage, rent & utilities payments
  • SNAP/food stamps
  • Mental health

Nebraska Children and Families Foundation’s COVID-19 Information and Resources: comprehensive list of state-wide resources including food security, emergency financial assistance and unemployment, housing and utilities info, mental health & education

Credit Advisors Foundation: Contact if you need assistance regarding debt counseling or help dealing with credit card loans, utility bills, home mortgages and/or rental/landlord issues.

Young couple on their couch

How You Can Help Others

Everyone has a role to play when it comes to overcoming COVID-19 and the devastation this virus will leave in its wake. By working together, we will weather this storm and we will be all be stronger because of it.

If you have the means to do so, we strongly encourage you to play a role by supporting one or more of the local and national efforts related to overcoming the devastating impacts of COVID-19.  Here are just a few ways you can help:

Omaha Community Foundation’s COVID-19 Response Fund – A collaboration with other local foundations to provide a rapid response to immediate needs of those most disproportionately impacted by the outbreak in the metro area. 

Lincoln Community Foundation’s Lincoln COVID-19 Response Fund – In partnership with leaders across philanthropy, government & business; will support organizations with strong experience working with vulnerable populations stressed by the pandemic.

Northern Colorado COVID-19 Response Fund – Partnership between The Community Foundation of Northern Colorado and United Way of Larimer County. 

Food insecurity

US Dept of Agriculture’s Food and Nutrition Service Programs – including Supplementary Nutrition Assistance Program (SNAP) and Special Supplemental Nutrition Program for Women, Infants and Children (WIC)

Feeding America’s COVID-19 Response Fund – Find your local food bank among a network of 200+ food pantries nationwide.

Meals on Wheels – Nationwide nonprofit that delivers meals to homebound elderly individuals in your local area.

Food Bank for the Heartland – Includes mobile food pantries located in Omaha.


US Dept. of Housing & Urban Development Housing & Homeless Assistance –Find local housing agencies in your community.

United Way of the Midlands’ Housing Stability Program –funding to help with rental and mortgage assistance for those who have been directly affected by the virus and/or unable to work due to closure or reduction in hours due to the outbreak.

Homeless Shelter Directory – Access a nationwide directory of homeless shelters and service organizations to support an already vulnerable population in your local area.


American Red Cross – Consider giving blood if you’re healthy; info re: blood safety during the outbreak.

Center for Disease Control – Federal updates & guidelines on COVID-19.

World Health Organization – Global pandemic updates.

Mental Health America’s Mental Health & COVID-19 – resources addressing mental health effects of the outbreak

National Alliance on Mental Illness’ COVID-19 Information and Resources –FAQs on mental health during the pandemic

Small Business Assistance

Small Business Administration Disaster Loan Assistance –federal disaster loans for businesses

Greater Omaha Chamber of Commerce’s Crisis Response Resources –resources for businesses and employers

CO-’s Coronavirus Small Business Guide – CO- is a site by the US Chamber of Commerce to assist and connect business owners navigating the pandemic

Other small but meaningful ways to help your community:

  1. Stay home except to access food or medical care, per the CDC’s guidelines and your local governmental regulations.
  2. Support local businesses by buying gift cards & ordering takeout/delivery if available.
  3. Help healthcare providers, first responders, supermarket employees, etc. with things like meals and childcare.
  4. Check in on each other & share encouragement via phone or social media
  5. Help your neighbors by checking in on the elderly or picking up groceries for another household to limit the amount of people in public.