How to name beneficiaries and fund a trust at FNBO
Covers 7 deposit, 2 retirement, and 2 lending accounts — beneficiaries can be managed online
Personal Banking & Lending
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
FNBO Wealth - Trust & Estate Services
Trust & Estate Services / Customer Care
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
The key to protecting your FNBO accounts is making sure each one has a transfer mechanism in place—either a beneficiary designation or trust ownership. Without one, the account goes through probate, adding time, cost, and court involvement for your family.
With 11 product types, FNBO offers a range of transfer options. Some accounts support Payable on Death (POD) designations, others can be retitled into a trust, and some require probate if no beneficiary is designated. The sections below break down each step.
- Navigate to "Contact Us" and select "Online Message Center"
- Choose "Add POD Beneficiary to my account" from the drop-down menu
- Provide the beneficiary's full legal name, Social Security number, date of birth, and address
Required Documents
- Trust name, date established, and tax ID (EIN or SSN)
Special Requirements
- Adding POD beneficiaries can increase FDIC coverage beyond the standard $250,000 limit
- POD beneficiaries are not considered parties to the account and have no access during the owner's lifetime
- POD funds bypass probate and do not pass through the will
- Named beneficiaries override any instructions in your will
- IRA accounts require a separate IRA beneficiary designation form (not a POD form)
- FNBO Direct online savings accounts support POD designation via the online message center
Sources
Data sourced from FNBO primary sources (31 pages reviewed). How we research.
Download these FNBO instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against FNBO primary sources. Bring it to the branch or keep it beside the phone.
Personal Banking & Lending
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
FNBO Wealth - Trust & Estate Services
Trust & Estate Services / Customer Care
First National Bank of Omaha, P.O. Box 3128, Omaha, NE 68103
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