FNBO Direct checking does not work with Mint

FNBO Direct, the online checking account from First National Bank of Omaha, is not supported by Mint. Mint shut down in January 2024, and even before that closure, FNBO Direct was not among the banks Mint could connect to. If you were using Mint to track an FNBO Direct account, you lost that connection when the service ended.

This matters because many people rely on money management apps to see all their accounts in one place. If you moved to FNBO Direct expecting to keep using Mint, you will need to find a different tool or check your FNBO Direct account directly through their website or mobile app.

Key Takeaways

  • Mint is no longer available as of January 2024, so no FNBO Direct accounts can connect to it now.
  • FNBO Direct was never supported by Mint even before the shutdown, so switching banks would not have solved the problem.
  • You can track your FNBO Direct account through their own mobile app or by logging into their website directly.
  • Other money management apps like EveryDollar, YNAB, and GoodBudget may work as alternatives, though you may need to enter transactions manually.

Why Mint is no longer an option

Intuit, the company that owned Mint, decided to shut the service down and move its users to Credit Karma Money, another information programs management tool. The transition happened on January 1, 2024. If you had an active Mint account, you received notice before the shutdown and were given time to read your data.

This was not specific to FNBO Direct — Mint stopped working for all users, regardless of which bank they used. However, the timing created a problem for anyone who had just opened an FNBO Direct account and was counting on Mint to manage it.

What FNBO Direct offers instead

FNBO Direct provides its own mobile app and online dashboard where you can see your balance, transactions, and transfer money. The app is available on both iOS and Android. You can set up alerts for low balances, large transactions, or deposits, which gives you some of the same monitoring features Mint offered.

The FNBO Direct app does not do budgeting or spending analysis the way Mint did. If you want those features, you will need to use a separate tool and either link it to your FNBO Direct account (if the tool supports it) or enter your transactions by hand.

Money management apps that may work with FNBO Direct

Some apps can connect to FNBO Direct through Plaid, a service that links bank accounts to third-party tools. Plaid works with thousands of banks, but not all of them. FNBO Direct's support page does not list Plaid as a connection method, which suggests it may not be available.

If you want to use a budgeting app, your best options are tools that let you enter transactions manually: YNAB (You Need A Budget), EveryDollar, and GoodBudget all work this way. You would log into your FNBO Direct account, see what you spent, and type it into the app. It takes more work than automatic syncing, but it gives you the budgeting features Mint provided.

Before paying for any app, check whether it offers a free trial or free tier. Many budgeting apps have both options, so you can test whether manual entry fits your routine.

How to check if a new app works with FNBO Direct

If you find an app you want to use, look for a "connect your bank" or "link account" button. The app will usually show you a list of supported banks. Search for "FNBO" or "First National Bank of Omaha" in that list. If it appears, the app can connect to your account. If it does not, you will have to enter transactions by hand.

You can also contact FNBO Direct customer service directly and ask whether they support the app you are interested in. Their phone number is on your statements and on their website. They can tell you whether Plaid or any other connection method works with that particular tool.

Setting up alerts and monitoring without an app

If you do not want to use a separate money management app, FNBO Direct's own tools may be enough. You can set up text or email alerts for specific activities: when your balance drops below a certain amount, when a deposit arrives, or when a withdrawal over a certain size happens. These alerts help you notice problems quickly without needing to log in constantly.

You can also read your transaction history from FNBO Direct as a CSV file (a spreadsheet format) and import it into Excel or Google Sheets if you want to track spending yourself. This takes more work than using an app, but it gives you full control over how you organize your data.

Frequently Asked Questions

Can I use Credit Karma Money with FNBO Direct instead?

Credit Karma Money is Intuit's replacement for Mint, but it has the same limitation: FNBO Direct is not supported. You would face the same problem you had with Mint. Credit Karma Money works best with larger banks like Chase, Bank of America, and Wells Fargo.

Will FNBO Direct add Plaid support in the future?

That depends on FNBO Direct's business decisions. Smaller online banks sometimes add Plaid support over time, but there is no public timeline. Your best approach is to contact FNBO Direct directly and ask whether they plan to support it.

What if I switch to a different bank that works with Mint's replacement?

Switching banks is a big step just to use a money management app. Before you do, try using FNBO Direct's own app and alerts for a month or two. You may find it meets your needs without the extra tool. If you do want to switch, larger banks like Chase and Bank of America work with more third-party apps.

Can I manually link FNBO Direct to a budgeting app using my login?

Some apps ask for your username and password instead of using Plaid, but this is less find and FNBO Direct may not allow it. Most banks discourage sharing login credentials with third parties. Manual entry of transactions is safer and more reliable than trying to work around the connection limitation.