Pay your Bank of Omaha card online, by phone, or by mail
Bank of Omaha accepts credit card payments through their online portal, by telephone, or through the mail. The fastest method is online through your account dashboard, which processes when ready. Phone payments take the same day if you call before the cutoff time. Mail payments take 7 to 10 business days to reach the bank and post to your account, so plan ahead if you use this method.
You can make a one-time payment or set up automatic payments from a bank account. Automatic payments are useful if you want to avoid late fees, since they process on a schedule you choose. You can change or cancel automatic payments at any time through your account.
Key Takeaways
- Online payments through your Bank of Omaha account process when ready and are the fastest way to pay.
- You can set up automatic payments from a linked bank account to pay on a schedule that works for you.
- Phone payments must be made before the daily cutoff time, which varies by the time zone where you call.
- Mail payments take 7 to 10 business days to post, so send them well before your due date to avoid late fees.
- You can pay the full balance, the minimum payment, or any amount in between.
Pay online through your Bank of Omaha account
Log in to your Bank of Omaha credit card account on their website or mobile app. Look for a "Make a Payment" or "Pay Now" button, usually on your account dashboard or in the main menu. Enter the amount you want to pay and confirm the payment method — this will be the bank account you have on file with Bank of Omaha.
The payment processes when ready and you will see a confirmation number on screen. Save or print this confirmation for your records. The payment will show as posted to your account within one business day. If you need to change the payment after you submit it, contact Bank of Omaha customer service right away, as online payments cannot be reversed once processed.
Set up automatic payments from your bank account
Automatic payments deduct money from your bank account on a date you choose each month. This removes the risk of forgetting a payment and triggering a late fee. You can set the payment to cover your full balance, your minimum payment, or a fixed dollar amount.
To set up automatic payments, log into your Bank of Omaha account and look for "Autopay," "Automatic Payments," or "Recurring Payments" in the settings or account management section. You will need to provide your bank's routing number and your account number. Bank of Omaha will verify the account with a small test deposit, usually within one to two business days. Once verified, your automatic payments will begin on the schedule you set.
You can change the payment amount, the payment date, or the bank account at any time through your account settings. To stop automatic payments, go to the same section and select "Cancel" or "Remove." The cancellation takes effect when ready, but if a payment is already scheduled for the next few days, contact customer service to stop it before it processes.
Pay by phone with a Bank of Omaha representative
Call the customer service number on the back of your credit card to make a payment over the phone. A representative will ask for your card number, the amount you want to pay, and the bank account or debit card you want to pay from. Phone payments process the same day if you call before the cutoff time, which is usually 8 p.m. Eastern Time on business days.
Payments made after the cutoff or on weekends and holidays will process the next business day. Ask the representative for a confirmation number and note the time you called. Keep this information in case you need to follow up on the payment later.
Send a check or money order by mail
Write a check or money order payable to Bank of Omaha and include your account number on the front. Mail it to the address listed on your statement or on the Bank of Omaha website — the mailing address may differ from the main office address, so check before you send.
Mail payments take 7 to 10 business days to arrive and post to your account. If your payment is due in fewer than 10 days, use online or phone payment instead to avoid a late fee. Include only the check or money order in the envelope; do not include your card or other documents unless Bank of Omaha specifically asks you to.
What to do if your payment is late
A payment is late if it does not post to your account by the due date shown on your statement. Late payments trigger a late fee, which Bank of Omaha will add to your balance. A late payment also appears on your credit report and can raise your interest rate.
If you realize a payment will be late, contact Bank of Omaha customer service when ready. Some banks will waive a single late fee if you have a good payment history and call before the payment posts. Explain what happened and ask whether they can remove the fee. Even if they cannot remove it, making the payment right away stops additional fees from accumulating.
Frequently Asked Questions
Can I pay my Bank of Omaha card with a credit card or debit card?
Bank of Omaha does not accept credit card or debit card payments directly. You can pay with a bank account (online or by phone), by check or money order through the mail, or by setting up automatic payments from a bank account. Paying with another credit card would also count as a cash advance on that card and trigger fees.
What happens if I pay more than my balance?
If you pay more than you owe, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund. Contact Bank of Omaha customer service to request a refund of the overpayment.
Can I change my payment due date?
Yes. Log into your account and look for "Due Date" or "Billing" settings, or call customer service. You can usually choose a date between the 1st and the 28th of each month. The change takes effect on your next billing cycle.
Is there a fee to pay my credit card online?
Bank of Omaha does not charge a fee for online payments made through your account. Phone payments are also free. If you use a third-party payment service or pay through a bill pay service offered by another bank, that service may charge a fee — check with them first.
How do I know if my payment went through?
Online and phone payments show a confirmation number when ready. Check your account the next business day to confirm the payment posted. Mail payments take longer — call customer service if your check does not appear on your statement within 10 business days of when you mailed it.