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Browse the Best Checking Accounts Online

The best checking accounts make your life easier and less stressful. We understand that your checking account is an essential tool for everyday finances. That's why Mutual of Omaha Bank offers checking account options designed with features that meet your needs.


Find the Best Checking Account for Your Needs

No matter which checking account you choose, Mutual of Omaha Bank offers:

  • FREE online banking
  • FREE bill pay
  • FREE eStatements
  • FREE first order of preselected checks
  • FREE national network of ATMs
  • ATM/debit cards1
  • Overdraft protection available2

Open an account now ONLINE or visit a community bank near you.

  • Online Advantage Checking

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    Open an Online Checking Account and Earn Interest Today

    Bank on your terms with an online checking account from Mutual of Omaha Bank. Enjoy the freedom of banking anytime, anywhere—all while earning interest on your money.

    Deposit checks, make withdrawals and pay bills—all without having to set foot in a bank or branch office. The convenience of online banking is at your fingertips with an online checking account. Plus, you’ll earn interest on your checking account balance. Enjoy free online banking. Free bill pay. Free eStatements. And a free national network of ATMs. That's a lot of free features. When you factor in the interest you’ll earn on the money in your online checking account, can you think of a reason not to open an online checking account today?

    Additional benefits:

    • FREE money orders and cashiers checks
    • FREE account-to-account transfers
    • FREE national network of ATMs
    • ATM/debit cards1
    • Earn interest with $1,500 daily collected balance
    • Direct deposit available
    • Minimum Opening Deposit: $100
    • No monthly fee with an average collected balance of $100, otherwise $10

     

    Current Rates

    Amount Interest Rate Annual Percentage Yield
    $100 - 1,499.99 0.00% 0.00%
    $1,500 - 250,000 0.15% 0.15%
    $250,000.01 and above 0.05% 0.05%

    Rates effective as of 11/15/2019

    Fees may reduce earnings on the account.

    Open An Account

    Online checking accounts are available in all states. Online checking accounts are open to consumers only. No trust or brokered accounts may be accepted at this time.

  • Advantage Checking

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    Gain an Advantage with an Interest-Earning Checking Account

    If you’re not earning interest on your checking account now, you’re missing out. With an interest-earning checking account from Mutual of Omaha Bank, we’ll pay you interest to bank with us.

    One of the best advantages to our interest-earning checking account is that you can open it with just $100. And as long as you maintain an average collected balance of $100, you’ll pay no monthly maintenance fee on your checking account. In addition to earning interest on the money in your checking account, you’ll also enjoy valuable benefits like free online banking, free bill pay and free eStatements.

    Additional benefits:

    • FREE national network of ATMs
    • ATM/debit cards1
    • Unlimited check writing
    • Earn interest with $100 daily collected balance
    • Interest compounded daily and paid monthly
    • Check images available with paper statement for a fee
    • $4 off safe deposit box rentals with auto-pay from a Mutual of Omaha Bank account
    • Minimum Opening Deposit: $100
    • No monthly fee with an average collected balance of $100, otherwise $10

     

    Current Rates

    Amount Interest Rate Annual Percentage Yield  
    $100 - 2,499.99 0.05% 0.05%  
    $2,500 - 4,999.99 0.05% 0.05%  
    $5,000 - 9,999.99 0.05% 0.05%  
    $10,000 - 24,999.99 0.05% 0.05%  
    $25,000 - 99,999.99 0.05% 0.05%  
    $100,000 and above 0.05% 0.05%  

    Rates effective as of 11/15/2019

    Fees may reduce earnings on the account.

    Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.

  • Basic Checking

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    A Checking Account Designed for You

    Are you looking for a checking account with no monthly fees? Discover checking made simple and affordable—with no minimum balance. Bank on your terms with Mutual of Omaha Bank. Life can be complicated. Your checking account shouldn't be. We make banking simple with a variety of checking accounts that include free online banking, free bill pay, free eStatements and more.

    Additional benefits:

    • FREE national network of ATMs
    • ATM/debit cards1
    • Direct deposit required
    • No balance requirements
    • Minimum Opening Deposit: $100
    • Monthly Maintenance Fee: None
    • Interest Paid: No

     

    Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.

  • Classic Checking

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    Explore Classic Checking Accounts

    Our classic checking account offers flexibility from direct deposit requirements. A classic checking account comes loaded with benefits and features, but requires only a small minimum balance. Free online banking, free bill pay and a minimum opening deposit of just $300 are a few of the highlights of opening a classic checking account.

    Enjoy these great features:

    • FREE online banking
    • FREE bill pay
    • FREE eStatements
    • FREE first order of preselected checks
    • FREE national network of ATMs
    • ATM/debit cards1
    • Overdraft protection available2
    • No direct deposit requirement
    • Minimum Opening Deposit: $300
    • No monthly fee with an average collected balance of $300, otherwise $7

     

    Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.

  • Investment Checking

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    Earn More With an Investment Checking Account

    An interest checking account has a number of features and benefits that reward you for your business. Competitive interest rates are paid on our Investment Checking Accounts, plus additional benefits.

    When you have higher balances to keep in your checking account, you deserve an interest checking account that rewards you for your business. Mutual of Omaha Bank will waive your monthly maintenance fee when you keep a daily collected balance of $10,000, plus reward you with free online banking, free bill pay, free money orders and cashiers checks and more.

    Additional benefits:

    • FREE money orders and cashiers checks
    • FREE national network of ATMs
    • ATM/debit cards1
    • Earn interest with $1,000 daily collected balance
    • Unlimited check writing
    • Interest compounded daily and paid monthly
    • $30 off safe deposit box rentals with auto-pay with a Mutual of Omaha Bank account
    • Interest rate discount available on loans2
    • Minimum Opening Deposit: $1,000
    • No monthly fee with an average collected balance of $10,000, otherwise $15

     

    Current Rates

    Amount Interest Rate Annual Percentage Yield
    $1,000 - 9,999.99 0.05% 0.05%
    $10,000 - 24,999.99 0.05% 0.05%
    $25,000 - 49,999.99 0.05% 0.05%
    $50,000 - 999,999.99 0.10% 0.10%
    $1,000,000 and above  0.10% 0.10%

    Rates effective as of 11/15/2019

    Fees may reduce earnings on the account.

    Account available at your nearest branch in AZ, CA, CO, FL, HI, KS, NE, NV, TX.

  • Platinum Checking

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    Features and Benefits of Platinum Checking Accounts

    Our Platinum checking accounts are designed with you in mind. You'll earn interest on your money, get free checks and enjoy access to free online banking, bill pay, checks and an ATM/debit card1.

    Additional benefits:

    • Earn interest with $100 daily collected balance
    • Interest compounded daily and paid monthly
    • Minimum Opening Deposit: $100
    • No monthly fee with an average collected balance of $100, otherwise $10
    • Bank selected checks free
    • Unlimited check writing
    • Check images available
    • Free money orders and cashiers checks
    • $15 off safe deposit box rentals with auto-pay with a Mutual of Omaha Bank account

     

    Current Rates

    Amount Interest Rate Annual Percentage Yield
    $100 - 2,499.99 0.05% 0.05%
    $2,500 - 4,999.99 0.05% 0.05%
    $5,000 - 9,999.99 0.05% 0.05%
    $10,000 - 24,999.99 0.05% 0.05%
    $25,000 - 99,999.99 0.05% 0.05%
    $100,000 and above  0.05% 0.05%

    Rates effective as of 11/15/2019

    Fees may reduce earnings on the account.

    Account available at your nearest branch in AZ, CA, CO, FL, KS, NE, NV, TX.

Click Here to view our Account Service Fees.

1 Non-Network ATM transaction fees and third party surcharges apply. See fee schedule.
2Additional fees may apply. Subject to credit approval. Ask a banker for details.