Bank from Anywhere
Ready to get started?
With Online Advantage Checking, you’ll enjoy the convenience of a checking account along with the earnings of a savings account.
- LOW minimum opening deposit $100
- FREE online banking & eStatements
- FREE online bill pay and account-to-account transfers
- FREE national network of 22,000 ATMs
- FREE first order of preselected checks
- Overdraft protection and direct deposit available
What makes us a solid choice?
Mutual of Omaha Bank is built on a solid, stable foundation. We are a subsidiary of Mutual of Omaha, the 100-year old insurance leader. And we’re guided by the same conservative values that have made our parent company one of the most recognized and trusted names in financial services.
Daily interest on your everyday money.
It takes only $100 to open your account and just a $1,500 balance to earn interest.
|$100 - $1,499.99||0.00%||0.00%|
|$1,500 - $250,000||0.50%||0.50%|
|$250,000.01 and greater||0.10%||0.10%|
We want you to know
about our account service fees.
Whenever you’re worried about potential fees, please always feel free to call our Customer Service team. They’ll help you understand if and when a fee applies.Printer-Friendly Version
|Account Balancing||$20 per hour|
|Account Research||$20 per hour|
|Copies of items||$1 per page|
|Deposited items returned||$10|
|Dormant account *||$5 per month|
|Excess withdrawal fee||$5-$10†|
|Interim account statement||$3|
|Monthly maintenance fee||None‡|
|Return mail||$5 per month|
|Non-network ATM||$3 per transaction|
|Paper statement||$4 per month|
Plus postage and collection charges.
Plus collection charges.
Plus correspondent bank charges.
|Daily overdraft fee
Beginning the 5th day of negative balances in a statement cycle.
|Overnight bill pay||$14.95 each|
Look here first... then, if you still need help, please contact us.
Who is Mutual of Omaha Bank?
Mutual of Omaha Bank is built on a solid, stable foundation. We are a subsidiary of Mutual of Omaha, the 100-year old insurance leader.
We offer the convenience and flexibility of eBanking along with the peace of mind of doing business with a well-established, trusted company.
What are the requirements and benefits of eBanking?
With eBanking, your banking relationship is exclusively online. We provide the tools and resources you need to open and manage your accounts online – so you’ll never have to visit a physical bank location. As a result, we can share our savings with you through premium rates.
For example, with our Online Money Market Account, you will receive a preferred Annual Percentage Yield as a result of applying for and managing your account exclusively online. Online banking, online bill pay and eStatements are required. Account options include an ATM/Debit card (giving you access to a large national network of free ATMs) as well as checks.
Of course, whenever you need special assistance with your account, you can contact our customer service team.
Who can open an eBank account
or joint account with Mutual of Omaha Bank?
To open an eBank account or joint account with Mutual of Omaha Bank, you must:
- Be a U.S. citizen or U.S. Resident Alien and at least 18 years old
- Have a Social Security number and one of the following forms of identification: Driver’s license, State ID, Military ID or Passport
Having these items on hand for both applicants before you start the process will ensure you complete your application accurately and swiftly.
No Trust or brokered accounts may be accepted at this point in time. If you are not a U.S. Citizen or U.S. Resident Alien or do not have identification, we will be unable to open your account.
What if I already have another account at Mutual of Omaha Bank?
First, thank you for continuing to bank with us. You are welcome to take advantage of the ease and convenience of eBanking in addition to your current products. If you have an existing checking, savings, or CD account, simply apply as an “existing client.” Please select the “new client” option if you have another account type such as a mortgage or credit card.
What if I have already enrolled for online banking, online bill pay and/or eStatements with Mutual of Omaha Bank?
Online Banking – Your new account will be automatically added. It may take up to one business day until your account is available through Online Banking.
Online Bill Pay – No additional enrollment is needed. Your existing account will remain as the default for payment but you can change your selection at any time. Keep in mind, transaction limits may apply.
eStatements – Log into Online Banking and enroll in paperless statements to avoid a monthly service fee. Simply click on the “Self Service” tab and select “Manage Paperless Statements.”
Is my online application and information secure and protected?
Absolutely. Security is our top priority and protecting your information is important and non-negotiable. View our security policy.
Why is personal information required to open an account online?
The application process is designed to verify and protect your identity – and guard against unlawful access to your account.
When will I receive my ATM/Debit card and/or checks?
Your ATM/Debit card should arrive within 7 to 10 business days of when your account is funded.
Your checks should arrive within 14 business days of when your account is funded.
Standard shipping is no additional cost to you. If you need expedited delivery, you may choose 7-day USPS priority mail; 4-day Express, 2-day delivery, or overnight delivery.
How much do checks cost?
Online Money Market – The initial box of checks costs approximately $6.95 plus shipping. Pricing may vary if you prefer custom messaging, enhanced features or expedited shipment.
Checking – The initial box of bank selected checks is available to you at no charge. Pricing may vary if you prefer custom messaging, enhanced features or expedited shipment.
How do I access my account?
Once your application is approved, you can enroll for online banking and access your account exclusively online.
How do I deposit money into my account?
For initial and/or ongoing deposits, you can set up account-to-account transfers using online bill pay.
For your initial and ongoing deposits, you can mail your check to Mutual of Omaha Bank, P.O. Box 3671, Omaha, NE 68103-0671.
For ongoing deposits, provide this form to your employer to set up direct deposit.
How do I set up Overdraft Protection on my Checking Account?
This will be optional during your checking account application. You will need to have a Mutual of Omaha Bank Online Money Market Account. Select “Overdraft Protection” during enrollment or, if you prefer to set at a later date, call our customer service team at 866.264.1214.
Do I need to print documents?
Yes. Please print (or record information from) the following documents: (1) your Signature Card, which is your legal document and (2) the Confirmation Screen, which contains your account number and information on next steps. You may also want to print the various disclosure documents associated with your account.
Where can I find In-Network ATMs?
We have a wide national network of ATMs that provide you access to your account. Use our ATM Locator to find one near you.
Are my deposits FDIC insured?
Yes. Your deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum allowed by law, $250,000 per depositor.
What if I need help with my account?
Our Customer Service Team is happy to assist you. Just call us at 866-264-1214, Monday through Friday, 7 a.m. to 7 p.m. CT; Saturday 7 a.m. to Noon CT. Or, email us at email@example.com.