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
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 Apr 2026
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.
Free CheckingPremier CheckingAccess Debit AccountSavings AccountMoney MarketFlex SavingsCertificate of Deposit (CD)
1
Log in to FNBO Direct online banking at fnbodirect.com
2
Submit a POD beneficiary request through the Online Message Center:
- 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
3
To add a trust as a POD beneficiary, attach a Certificate of Trust along with a letter indicating your request
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
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 Apr 2026
Estate planning articles
Learn how to protect your FNBO accounts and other assets with trusts, beneficiary designations, and estate planning documents.
