I have a confession. My eyes are prone to wander. At times, the grass does look greener on the other side. I think – maybe I’d be better off with someone else; maybe I deserve better.
Am I the only one who thinks about my bank this way?
Fidelity with my wife – that’s easy. Loyalty to a bank – that’s not something I’ve been faithful to. Truth be told, I often use more of a dating app approach with banks. Sign up bonus? Swipe right! Requirements on direct deposit? Swipe left.
During my most recent gander to see if there were other fish in the sea, I came to appreciate what my current bank, First National Bank of Omaha, has to offer. The grass isn’t always greener (and I use ‘greener’ on purpose) on the other side. During my research, the words that kept popping up in descriptions of my personal checking account with First National were free, and no. Both good words if you’re desiring a hassle-free banking experience with financial perks.
FNBO doesn’t offer free lunches (that I know of), but they boast of quite a few features that are complementary. Holding a checking account, free. Checks, free. Transfers between my savings and checking accounts, free. A Nebraska Cornhuskers VISA debit card (which I proudly carry no matter how the football season unfolds), free. Online statements, free. Stop payments, free. I’ve been with FNBO for 10 months and everything involving my checking and savings accounts that I’ve used has been free.
What do my 18-month-old daughter and FNBO have in common? They both like the word no. For Stella… Bed time? No. High five? Diaper change? No. For First National Bank…Minimum balance? No. Monthly service fee? No. ATM fees? No (unless the other bank ATM has a surcharge).
And speaking of staying committed in a relationship – remember when Rupert Holmes is shocked to find out that his old lady likes Pina Coladas and getting caught in the rain too? In a similar fashion, I came across some great features – like mortgage closing costs credit and the fact that they automatically forgive one overdraft fee every twelve months.
This is a built-in protection with my checking account – showing grace to me if (ok, more like when) I make a mistake. When things don’t go as planned, it’s nice to feel protected. And since my new mortgage came under FNBO and I already had a free checking account, a nice $200 credit kicked in at closing.
My free personal checking account with FNBO checks all the boxes that I need for effectively handling money on a day-to-day basis.
- Automated transfers from my checking to savings account, to make saving for the future automatic
- Depositing checks from a mobile app
- Depositing cash and checks at local ATMs
Just like any relationship, First National Bank isn’t perfect. Twice I’ve been at an ATM and wasn’t able to deposit cash because of a malfunction. My online account webpage could be a little sexier and a little more user-friendly. With that being said, it seems like FNBO is always in a state of improvement and is trending upward in those areas.
Upon further review, I think it’s time for me to settle down with First National Bank of Omaha. After getting hitched 10 months ago, I’ve been able to efficiently handle my day to day financial dealings with no hidden fees and zero hassle. The built-in protections and the convenience of working with a locally-owned bank have sold me as well. For me and FNBO, it looks like we will be together until death do us part!
What about you? What makes a bank attractive to you? Any other questions about, or experiences with, First National Bank of Omaha?
Equal Housing Lender
This article was brought to you by our friends at First National Bank of Omaha.