Bounty
Worth it?

First National Bank of Omaha Free Business Checking bonus: is $250 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$246: more than leaving it at 4.15%
With the bonus294.35%
Leave it where it is4.15%

Yearly rate on $1,000 while it's there, bonus included.

The math

Compared with leaving $1k at 4.15%

Bonus
+$250
Interest while it's there
No interest assumed
$0
What it'd earn at home
$1,000 at 4.15% for 31 days
−$4
Extra
+$246
Works out to 294.4% a year on that cash, vs 4.15% at home.

Deposit $1,000 in new money within 31 days · Make 10 debit card purchases within 31 days. Verified on the bank's page Oct 9, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $1,000 in new money within 31 days
  2. 2Make 10 debit card purchases within 31 days
Ends
Dec 31, 2026
Where
8 states: CO, IA, IL, KS, NE, SD, TX, WY
Monthly fee
None
Cash stays
About 31 days
Bonus paid
Usually within 31 days of finishing
Verified on the bank's page Oct 9, 2026The bank's offer pageFound via Doctor of Credit

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Questions

Is the First National Bank of Omaha Free Business Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $1,000 tier adds +$246: the $250 bonus, minus the $4 that cash would have earned in 31 days. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $1,000 in new money within 31 days; make 10 debit card purchases within 31 days. Open to residents of CO, IA, IL, KS, NE, SD, TX, WY.

When does it end?

The offer ends Dec 31, 2026. The terms were last checked Oct 9, 2026.