First National routing number

First National Bank of Omaha expanded significantly through acquisitions of regional banks over decades. Each acquired bank originally had its own routing number based on its Federal Reserve district. Banks in Colorado, Illinois, Iowa, Kansas, South Dakota, Texas, and Wyoming all maintained separate routing numbers after joining FNBO. Rather than immediately force all customers to change their account details, FNBO kept these legacy numbers active while transitioning to a unified primary routing number (104000016). This approach prevents disruption to automatic payments and direct deposits while simplifying the system for new accounts.

Your legacy routing number will continue to work for all transactions, including ACH transfers, direct deposits, wire transfers, and bill payments. You do not need to immediately update existing automatic payments or direct deposits. However, when you reorder checks through FNBO, the bank will automatically update them to the primary routing number. For new setup of direct deposits or bill payments, FNBO recommends using 104000016 to ensure consistency across all your banking activities.

FNBO uses the same routing number for both ACH transfers and wire transfers. Whether you use the primary routing number (104000016) or your legacy state-specific number, both ACH and wire transactions will process correctly. The main differences are processing time and fees. ACH transfers typically take 1-3 business days and have no FNBO fees, while domestic wire transfers process same-day but cost $15 for outgoing transfers. Incoming domestic wires are free.

Incoming domestic wire transfers to your FNBO account typically post the same business day if received before the 4:00 PM Central Time cutoff. Outgoing domestic wires sent before 4:00 PM CT usually arrive at the receiving bank the same business day. International wire transfers can take 1-5 business days depending on the receiving country, intermediary banks involved, time zone differences, and whether additional security checks are required. FNBO processes international wires through the SWIFT network to over 175 countries.

Your routing number appears in several places. The easiest method is logging into FNBO online banking or the mobile app, where your routing number displays with your account details. You can also find it at the bottom left corner of your checks - it is the first nine-digit number. If you are setting up direct deposit, your employer may request a direct deposit form which you can obtain from any FNBO branch or download from the FNBO website with your routing number pre-filled.