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→
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 Jul 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
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
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 Jul 2026
Estate planning articles
Learn how to protect your FNBO accounts and other assets with trusts, beneficiary designations, and estate planning documents.
