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→
Trust & Estate Services / Customer Care
Phone1-800-642-0014
Toll-Free1-800-538-7298
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Wealth Services
FNN Trust Company
Mortgage Servicing
WebsiteNotify online→
Verified May 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.
Managing beneficiaries at FNBO is straightforward—changes can be made 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. 5-step process, 6 required documents, and contact information for survivors.
View details →Reach FNBO's FNBO Wealth - Trust & Estate Services at 1-800-538-7298 for help with any of these procedures. 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 checking, savings, money market, and CD accounts can be retitled to a revocable living trust. Visit an FNBO branch with your trust document or certificate of trust, government-issued ID for all trustees, and the trust's Tax Identification Number (TIN/EIN). A banker will complete the account retitling forms. You can also contact Wealth Services at 1-888-916-8378 or mail required documents to First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103. IRA accounts cannot be retitled to a trust but can name a trust as beneficiary. A revocable living trust does not need its own tax ID during the grantor's lifetime; income is reported on the grantor's personal return.
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, 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 or lending products and is not FDIC insured. South Dakota imposes no state income tax, capital gains tax, estate tax, or inheritance tax on trust assets and has abolished the rule against perpetuities. Contact Trust & Estate Services at 1-800-538-7298 or FNN Trust Company at 1-800-994-2445.
Yes. FNBO Traditional and Roth IRA accounts can name a trust as a beneficiary using the IRA beneficiary designation form (not the standard POD form). Contact your branch or call 1-800-642-0014 to request the IRA beneficiary designation form. Naming a trust as IRA beneficiary has tax implications: the required minimum distribution schedule may be affected depending on whether the trust qualifies as a see-through or conduit trust under IRS rules. Consult a tax advisor before naming a trust as IRA beneficiary.
Sources
Data sourced from FNBO primary sources (30 pages reviewed). How we research.
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→
Trust & Estate Services / Customer Care
Phone1-800-642-0014
Toll-Free1-800-538-7298
Mailing Address
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
Wealth Services
FNN Trust Company
Mortgage Servicing
WebsiteNotify online→
Verified May 2026
Estate planning articles
Learn how to protect your FNBO accounts and other assets with trusts, beneficiary designations, and estate planning documents.
