Banking Access Code and Reservation Number Guide (2022)

The First National Bank of Omaha Visa card is provided through a prescreened offer letter. This Visa card offer is not like the other credit card offers which are an introductory offer that has a period of 6 months to 18 months. This a lifetime card offer.

Features of the FNBO Visa Card

  • No annual fee.
  • There will be a 0% introductory APR (Annual Percentage Rate) on purchases.
  • The APR (Annual Percentage Rate) will be fixed for life to a 5.99% interest rate on any balance transfers made within the first three billing cycles after the account is open until it is not paid in full.
  • A 4% fee is charged on each balance transfer with a minimum of $10 which is applied only for the first three billing cycles. After that, it will increase up to 5% with a minimum of $10 on each balance transfer.
  • More details at

If the 0% introductory rate is really appealing and you are thinking of purchasing farm tools, KubotaCreditUSA might be more appropriate as they have loans with 90 days interest-free.

3 ways to apply for the First National Bank of Omaha Visa Card

  1. You can visit
  2. You can call 800-734-5944
  3. You can fill out the application form which is included with your pre-screened offer letter and mail it back.

In all 3 cases, you will need to quote the access code and reservation number which is included in your prescreened offer letter.

Myrtle Knox

Myrtle Knox is an award-winning reporter, editor, and writer. Her stories about banking, credit cards, insurance, economics, small business, and other subjects have been featured by the Los Angeles Times, Washington Post, Bankrate, Credit Karma, Bookmarks Magazine, FOX Business, CNBC, Yahoo! Finance, and dozens of major U.S. newspapers. Her articles have been cited in seven nonfiction books and two U.S. Congressional hearings. She edits nonfiction, memoir, and fiction, and contributes to Kirkus Reviews. Marcie holds a bachelor’s degree in English from UCLA and MBA from Pepperdine University.

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