Personal Deposit Accounts

First Nebraska Bank has several deposit account options tailored to meet each customer's specific needs.

For more information please stop in or contact the First Nebraska Bank location most convenient for you.

Free with all checking accounts:

• Free VISA Check Card
• Free eStatements
• Free Online Banking
• Free Mobile Banking

Free Checking

• No monthly maintenance fee
• Non-interest bearing
• Minimum opening deposit: $100

49er Checking

• Must be 49 years of age to open
• No monthly maintenance fee
• Interest-bearing, no minimum balance required to earn interest
• Check images included in statement
• Free basic checks, money orders and cashier's checks
• Minimum opening deposit: $100

Hometown Checking

• Interest-bearing, no minimum balance required to earn interest
• $5.00 monthly service charge - waived if you have $1,000 on deposit in related personal checking, savings and/or certificate of deposit
• Check images included in statement
• Minimum opening deposit: $100

Passbook Savings

• Interest compounded and credited quarterly, no minimum balance required to earn interest
• Service charge of $2.00 per debit for each debit in excess of six per calendar month
• Minimum opening deposit: $100

Kids Klub Savings

• Savings account for customers 16 or younger. (Adult joint owner required.)
• Interest compounded and credited quarterly, no minimum balance required to earn interest
• Minimum opening deposit: $10.00

Money Market Investment Account

• Interest compounded and credited monthly
• Tiered Rates
• $6.00 Service charge per withdrawal for each debit in excess of 6 per month
• Minimum opening deposit: $2,500

Health Savings Account

• Interest compounded and credited monthly
• $15 setup fee
• Free HSA VISA Check Card
• No annual fee

Certificates of Deposit

• Minimum opening deposit: $500
• Terms offered:
  • 6-month certificate*
  • No Penalty 12-month certificate
  • 12-month certificate*
  • 24-month certificate*
  • 36-month certificate*
  • 60-month certificate*
    *early withdrawal penalty may apply

Individual Retirement Account (IRA)

• Minimum opening deposit: $100
• Interest compounded and credited quarterly
• Terms offered: 18-month and 60 month*
  *early withdrawal penalty may apply

An individual retirement account (IRA) is a great way to put away money for your future that can have highly beneficial tax advantages:

• Money contributed to an IRA is not taxed that year.
• Interest earned on these contributions is not taxed as long as it remains within the IRA.
• Contributions and interest are taxed only when they are taken out of the IRA.
• An IRA can be opened and funded for the prior tax year until April 15 (tax deadline).

In addition, an IRA is not subject to the ups and downs of the financial markets. That means, even if you're contributing to your retirement through a 401(k), you can benefit from the safety and security of an IRA.

Tax Advice Disclaimer

The information on this website should not be used in any actual transaction without the advice and guidance of a professional Tax Adviser who is familiar with all the relevant facts.

Although the information contained here is presented in good faith and believed to be correct, it is General in nature and is not intended as tax advice. Furthermore, the information contained herein may not be applicable to or suitable for the individuals' specific circumstances or needs and may require consideration of other matters.

First Nebraska Bank assumes no obligation to inform any person of any changes in the tax law or other factors that could affect the information contained herein.

IRS Circular 230 Disclosure

Pursuant to the requirements of the Internal Revenue Service Circular 230, we inform you that, to the extent any advice relating to a Federal tax issue is contained in this communication, including in any attachments, it was not written or intended to be used, and cannot be used, for the purpose of (a) avoiding any tax related penalties that may be imposed on you or any other person under the Internal Revenue Code, or (b) promoting, marketing or recommending to another person any transaction or matter addressed in this communication.

Click on contact us and select "Deposit Products" to have a bank representative contact you for more information.