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||0.15%||0.15%|
|$250,000.01 and greater||0.05%||0.05%|
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||$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 (check)||$14.95 each|
|Same day bill pay (electronic)||$12.00 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.
eBank Accounts are for consumers only. 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.
How long does and Online Account application take?
Applying for an Online Account will take about 15 minutes to complete. The process is easy, convenient, and secure.
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 money market account, simply apply as an “existing client.” Please select the “new client” option if you have another account type such as a CD, 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.
If you want to order checks for your new online account please call Customer Service at 866-264-1214 for your initial order. Your checks should arrive within 14 business days. Additional check orders can be placed using Online Banking.
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.
Why do I need to specify an email address?
We ask for your email address so we can send you important communication relating to your application and new Online Account.
Missing an email? Please check your “Bulk Mail” or Spam/Junk folder.
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 fund my new Online Account?
During the application process you may choose to fund your new Online Account by check or electronic transfer from an external or internal account.
For your intial check deposit, please include your new account number and send to
Mutual of Omaha Bank
PO Box 3671
Omaha, NE 68103-0671
How will I make ongoing Deposits to my new Online Account?
For ongoing deposits, you can set up account-to-account transfers using online bill pay.
For ongoing deposits, you can mail your check to Mutual of Omaha Bank, P.O. Box 3671, Omaha, NE 68103-0671.
To set up Direct Deposit, please contact your employer or Direct Deposit issuer directly to fill out the necessary Direct Deposit Forms. Your new account number and routing number needed will be provided when your Online Account is opened.
Why do I need a Username and Password?
We ask you to create a Username and Password during the application process so you may save the application and continue at a later time that may be more convenient for you. Simply click the SAVE button. Your Username and Password will also be used to log into your ‘My Accounts’ portal which has information about your application status, account number & routing number, copies of agreements and dislcosures, and your signature card.
For Joint Account applications, Co-Applicants will need to create their own Username and Password.
Can I save the application and go back to it later?
Yes, you may save your online account application and resume at a time that is more convenient for you. You will create a unique Username and Password that will be used to access your saved application. Be assured, your saved application information is secure. Your application will be saved for 30 calendar days. The Username and Password used to complete an online account application is unique to retreiving your saved application and used to access your ‘My Accounts’ portal. This Username and Password is not used for Online Banking.
Do I need to print documents?
If desired, you may print all disclosures and agreements and a copy of your Signature Card, which is your legal document. Copies of all disclosures and agreements, signature card, and account information can be found by logging into the ‘My Accounts’ portal using your Username and Password created during the application process. A link to your account portal is provided in the eMail communications received during the applicaiton process.
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.