New design. Raised detail. Premium finish.

Show your NIU pride every time you pay with the deluxe NIU Visa® Debit Card, free with any FNBO checking account. One thing that unites communities across the state is our love of NIU Athletics.  It’s why we’ve been a proud supporter of NIU for decades.

Debit Card and Mobile Banking Benefits:

  • Purchasing power at the millions of locations where Visa® Debit Cards are accepted.
  • Access to over 55,000 free ATMs worldwide. View a full list of ATMs and branches online or in the app.
  • Tap to Pay lets you make contactless payments quickly and safely.
  • Add your card to a mobile wallet for a convenient, secure way to pay.
  • Worry-free transactions with Visa's Zero Liability Policy* for unauthorized transactions.
  • Manage and organize your finances 24/7.
  • Easily lock and unlock your card anytime, anywhere.
  • Access your accounts anywhere for free with our mobile app.
  • Pay off balances and set up automatic payments.
  • Get real-time fraud monitoring and alerts.
  • Schedule alerts to watch over your account.

*Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Card members must notify the issuer promptly of any unauthorized use. Contact the issuer for additional details or visit visa.com/security.

Free Checking

Why pay for a checking account when you can get one for free? Open a free checking account today from FNBO. No overdraft fees, no minimums, no monthly fees.

Account Benefits:

  • No Overdraft fees
  • No monthly service fee
  • No minimum deposit to open or minimum balance requirement
  • No ATM fees from us (other banks and ATM operators' surcharges may apply)
  • Free Bank Logo Checks
  • Free statements - online or paper
  • Free cashier's checks, incoming wires and stop payments
Apply Now!
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© 2025 First National Bank of Omaha (FNBO). All Rights Reserved. 1620 Dodge Street, Omaha Nebraska, 68197

FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer.

Only deposit products are FDIC insured.

Investment Products are:

NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF THE BANK • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY THE BANK • MAY LOSE VALUE