Estate planning at FNBO
How to protect 11 FNBO accounts — manage beneficiaries online, fund a trust in-branch, and file claims through FNBO's FNBO Wealth - Trust & Estate Services
Personal Banking & Lending
Phone1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Credit Card Service
Mortgage Service
Wealth Service
International Calls (Collect)
WebsiteLearn more →
FNBO Wealth - Trust & Estate Services
Phone1-800-538-7298
Wealth Services
FNN Trust Company
Private Banking
WebsiteLearn more →
Death Claims
Phone1-800-642-0014
Toll-Free1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Trust & Estate Services
Mortgage Servicing
Verified Feb 2026
FNBO offers 11 consumer accounts that interact with estate planning in distinct ways. Of those, 9 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Beneficiary designations at FNBO can be managed online, in branch, by mail, and by phone, typically taking 15-30 minutes (in-branch); 2-3 weeks (by mail). Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
FNBO provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to manage beneficiaries online, fund a trust in-branch, and review 11 account types at FNBO.
View details →When someone dies
Death claim process
Contact FNBO's FNBO Wealth - Trust & Estate Services to file a claim. 9-step process, 6 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact FNBO's FNBO Wealth - Trust & Estate Services at 1-800-538-7298. Email inquiries can be sent to privatebanking@fnbo.com.
FNBO operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Yes. FNBO IRA accounts use a separate beneficiary designation form (not a POD form). Visit a branch or call 1-800-642-0014 to request the IRA beneficiary designation form. You can name individuals or a trust as your IRA beneficiary. Naming a trust as IRA beneficiary has significant tax implications, so consult a tax advisor first.
Visit an FNBO branch or contact Wealth Services at 1-888-916-8378. You will need a certified copy of your trust agreement or certificate of trust, government-issued ID for all trustees, and the trust's Tax Identification Number (TIN/EIN). FNBO will retitle the account from your individual name to the trust. Processing typically takes 1-2 weeks. FNBO accepts either a full trust agreement or a certificate of trust.
No. IRAs cannot be retitled to a trust. However, you can name your revocable living trust as the beneficiary of your FNBO IRA using the IRA beneficiary designation form. There are significant tax implications to naming a trust as IRA beneficiary, including potential acceleration of required distributions. Consult a tax advisor before making this designation.
FNN Trust Company is a South Dakota state-chartered trust company and wholly-owned subsidiary of FNBO. It provides professional trust administration including revocable and irrevocable trusts, living trusts, testamentary trusts, estate settlement, philanthropic planning, charitable trusts, special needs trusts, conservatorships, and family foundation management. FNN Trust Company manages real estate, natural resources, and closely held business interests. It does not offer depository, lending, or other banking products. Contact the Trust & Estate team at 1-800-538-7298.
Yes. FNBO Private Banking is available to current Private Wealth Reserve clients and Trust clients with assets exceeding $5 million at FNBO or FNN Trust Company. Benefits include preferred depository and lending services, waived wire fees, a complimentary annual safe deposit box rental, overdraft monitoring with proactive account management, and access to trust, estate planning, and investment advisory professionals. Private Banking hours are Monday-Friday, 8:00 AM to 5:00 PM CST. Contact Private Banking at 402-602-1750 or privatebanking@fnbo.com.
Personal Banking & Lending
Phone1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Credit Card Service
Mortgage Service
Wealth Service
International Calls (Collect)
WebsiteLearn more →
FNBO Wealth - Trust & Estate Services
Phone1-800-538-7298
Wealth Services
FNN Trust Company
Private Banking
WebsiteLearn more →
Death Claims
Phone1-800-642-0014
Toll-Free1-800-642-0014
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Trust & Estate Services
Mortgage Servicing
Verified Feb 2026
Estate planning resources for FNBO customers
Tools and documents to help protect your FNBO accounts.
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