Pay your First National Bank of Omaha card online, by phone, or by mail
First National Bank of Omaha lets you pay your credit card balance through their online portal, by calling their customer service line, or by mailing a check. The fastest route is logging into your account at fnbomaha.com and making a payment from your dashboard — it takes a few minutes and posts within one business day. If you do not have online access set up yet, you can call the number on the back of your card to make a payment over the phone, or send a check to the address printed on your statement.
Your payment due date appears on your monthly statement and on your online account. Payments made before 5 p.m. Central Time on the due date count as on-time. If you miss the due date, late fees and interest charges explore, and the missed payment reports to credit bureaus.
Key Takeaways
- Log into fnbomaha.com, click the payment option, enter your amount, and confirm — the payment posts within one business day.
- Call the customer service number on the back of your card to pay by phone without setting up online access.
- Mail a check to the address on your statement at least five business days before your due date to may support it arrives on time.
- Set up automatic payments through your online account to have a fixed amount deducted on your due date each month.
- Payments made after 5 p.m. Central Time on the due date are treated as late, even if submitted the same day.
Pay online through your First National Bank of Omaha account
Go to fnbomaha.com and sign in with your username and password. If you have not created an online account, you will need to register first — you can do this on the homepage by selecting "Enroll" and following the prompts. You will need your card number and Social Security number to set up access.
Once logged in, look for a "Payments" or "Pay Bill" option in the main menu. Select your credit card account from the list of accounts. Enter the amount you want to pay — you can pay your full balance, the minimum payment, or any amount in between. Choose the payment date (same-day or a future date), review the details, and click "Confirm" or "Submit." The payment processes when ready and typically shows in your account within one business day.
If you want to avoid making a payment each month, set up automatic payments in the same section. Choose a fixed amount and a due date, and the bank will deduct that amount automatically each month. You can change or cancel automatic payments anytime through your account.
Pay by phone with First National Bank of Omaha customer service
Call the customer service number printed on the back of your credit card. A representative will ask for your account number and the amount you want to pay. They may also ask for verification information like your Social Security number or date of birth.
Phone payments are free and post to your account within one business day, the same as online payments. You can pay your full balance, minimum payment, or any amount in between. If you call after business hours, you may reach an automated system that lets you enter your payment amount using your phone keypad, or you can wait for a representative during business hours.
Pay by mail with a check or money order
Write a check or money order for the amount you want to pay. On the check, write your First National Bank of Omaha credit card account number in the memo line so the bank knows which account to credit. Mail it to the address shown on your statement under "Payment Address" — this address is different from your billing address and is used only for payments.
Mail your payment at least five to seven business days before your due date to account for postal delivery time. The bank must receive your payment by 5 p.m. Central Time on your due date for it to count as on-time. If you mail your payment close to the due date and it arrives late, you may be charged a late fee.
Keep a copy of your check or the receipt from your money order for your records. If you need to confirm the payment was received, log into your online account a few days after mailing and check your transaction history.
What happens if you miss your payment due date
If your payment does not arrive by 5 p.m. Central Time on the due date, First National Bank of Omaha reports the account as late to credit bureaus. A late payment stays on your credit report for seven years and can lower your credit score. The bank also charges a late fee — the amount depends on your card terms but is typically $25 to $40 for the first late payment.
After a payment is 30 days late, the bank may increase your interest rate to a penalty rate, which is higher than your regular APR. If your account reaches 60 or 90 days past due, the bank may freeze your account or refer it to a collections agency. If you realize you will miss your due date, call customer service when ready — sometimes they can waive a late fee if you have a good payment history, or they may work out a payment plan.
Set up a payment reminder so you do not forget
Most online banking portals, including First National Bank of Omaha's, let you set up payment reminders. Log into your account, find the settings or preferences section, and look for "Alerts" or "Notifications." You can choose to receive an email or text message a few days before your due date as a reminder to make your payment.
Alternatively, set a reminder on your phone calendar for a few days before the due date. If you set up automatic payments, you do not need a reminder — the bank deducts the payment automatically on the date you choose. Just make sure you have enough money in the account the payment is drawn from.
Frequently Asked Questions
How long does it take for my payment to show up in my account?
Online and phone payments typically post within one business day. Mailed checks take five to seven business days to arrive at the bank, plus one business day to process, so plan for up to two weeks total. If you need the payment to post by a specific date, use online or phone payment instead of mail.
Can I pay my First National Bank of Omaha card from another bank's account?
Yes. Log into your other bank's online portal and look for a "Bill Pay" or "Send Money" option. Enter First National Bank of Omaha's mailing address and your credit card account number. The payment will be mailed from your bank to First National, so allow extra time for delivery — usually five to seven business days.
What 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 the credit toward your next statement, or call customer service to request a refund check. The bank does not charge interest on account credits.
Is there a fee to pay my credit card bill?
No. First National Bank of Omaha does not charge a fee for online, phone, or mailed payments. Some third-party payment services may charge a fee if you use them, but payments made directly through the bank are free.
Can I change my payment due date?
Contact First National Bank of Omaha customer service by calling the number on the back of your card. A representative can move your due date to a different day of the month, which may help you align your payment with your paycheck or other bills. The change usually takes effect on your next statement.