Bank Code Verified

104913048, Routing Number for FIRST NATIONAL BANK OF OMAHA, DAVID CITY, NE

Routing Number: 104913048

Date of Revision: 030410


Address: 397 4TH ST


State: NE

Zip: 68632-0260

Phone: (402) 602-7557

Understanding Routing Numbers and their Significance in Banking TransactionsWhen it comes to banking transactions, there is one crucial piece of information that plays a significant role: the routing number. This numerical code may seem like a random assortment of digits, but it holds the key to smooth and secure financial transactions.

In this article, we will delve deep into the world of routing numbers, exploring their purpose, significance, and how they function in the banking ecosystem. Additionally, we will take a closer look at the history of the First National Bank of Omaha, the financial institution with the routing number 104913048.

Topic 1: Understanding Routing Numbers

At first glance, routing numbers might appear confusing and mysterious. However, they are relatively simple once you understand their purpose.

A routing number is a unique nine-digit code assigned to financial institutions by the American Bankers Association (ABA). Think of it as a bank’s identification number it helps to identify which bank should receive or send funds during a transaction.

1.1 The structure of a routing number

Routing numbers consist of three components: the first four digits indicate the Federal Reserve routing symbol, followed by four digits representing the American Bankers Association institution identifier, and finally, a single check digit. For example, the routing number 104913048 breaks down as follows:

– Federal Reserve routing symbol: 1049

– ABA institution identifier: 1304

– Check digit: 8

1.2 Functions of Routing Numbers

Routing numbers play a pivotal role in various banking transactions, ensuring that money is transferred accurately and efficiently.

Here are three main functions of routing numbers:

1.2.1 Direct deposit

When setting up direct deposit for your salary or government benefits, the routing number allows the funds to be deposited directly into your bank account. Without a correct routing number, the money may end up in the wrong account, causing unnecessary delays and inconvenience.

1.2.2 Electronic Fund Transfers (EFTs)

Whether you’re making a one-time payment or setting up recurring bill payments, electronic fund transfers rely on routing numbers for seamless transactions. By including the correct routing number, you ensure that your payment reaches the intended recipient without any hiccups.

1.2.3 Wire transfers

Routing numbers are especially crucial for wire transfers, which involve the immediate transfer of funds between banks. With the correct routing number, wire transfers are executed quickly and accurately, enabling you to send money to anyone, anywhere in the world.

Topic 2: A Brief History of First National Bank of Omaha

The First National Bank of Omaha has a rich history dating back over 160 years. It began its journey in 1857, when the state of Nebraska was still in its formative years.

Originally known as the Kountze Brothers Bank, it was the first bank established in the territory that would later become Nebraska. 2.1 Growth and Expansion

Throughout the years, the First National Bank of Omaha experienced remarkable growth and expansion.

Its commitment to providing exceptional customer service and innovative financial solutions led to its reputation as a reliable and trustworthy institution. This reputation attracted customers, allowing the bank to expand its operations and open branches in various locations.

2.2 Community Involvement

The First National Bank of Omaha has always been deeply rooted in the communities it serves. It understands the importance of giving back and has been actively involved in philanthropic efforts.

From supporting local charities and organizations to sponsoring community events, the bank has made a positive impact on the lives of countless individuals. 2.3 Technological Advancements

As technology advanced, so did the First National Bank of Omaha.

It embraced digital banking platforms, allowing customers to access their accounts and conduct transactions conveniently from their devices. The bank’s commitment to staying on the cutting edge of technology ensures that customers have easy access to their funds and a seamless banking experience.

2.4 A Trusted Financial Institution

Today, the First National Bank of Omaha stands as one of the largest privately-owned banks in the United States. Its commitment to customer satisfaction, community involvement, and technological advancements has earned it a reputation as a trusted financial institution.


In conclusion, routing numbers are critical in ensuring the smooth flow of financial transactions, providing security and accuracy. Understanding the structure and functions of routing numbers allows individuals and businesses to navigate the banking system successfully.

Furthermore, the First National Bank of Omaha’s long history and commitment to excellence have shaped it into the reputable institution it is today. By understanding both routing numbers and the history of the bank they are associated with, individuals can make informed decisions and confidently engage in financial transactions.

Topic 3: Key Functions of Routing Numbers

Routing numbers serve crucial functions within the banking system, facilitating various types of transactions. Let’s delve deeper into their key functions and how they contribute to the smooth operation of the financial ecosystem.

3.1 Identifying the Originating and Receiving Banks

One of the primary functions of a routing number is to identify the originating and receiving banks in a transaction. When you initiate a transaction, whether it’s a direct deposit, wire transfer, or electronic fund transfer, the routing number helps identify the bank that should receive the funds.

Without a correct routing number, the transaction may be delayed, or worse, sent to the wrong bank altogether. 3.2 Clearing and Settlement of Checks

Routing numbers also play a pivotal role in the clearing and settlement of checks.

When you write a check and deposit it into your account, the routing number on the check helps the receiving bank identify the originating bank. This information is crucial for the timely and accurate transfer of funds from the payer’s account to the payee’s account.

When a check is presented for payment, the routing number allows the bank to verify the payer’s account and ensure there are sufficient funds for the transaction. The routing number also aids in identifying any fraudulent checks, preventing unauthorized withdrawals from bank accounts.

3.3 Aiding in Automated Clearing House (ACH) Transactions

Automated Clearing House (ACH) transactions have become increasingly popular for their convenience and efficiency. These transactions include direct deposits, electronic bill payments, and other automated transfers.

Routing numbers are essential for ACH transactions, helping to accurately route the funds from the payer’s account to the payee’s account. By including the correct routing number, you can ensure that your direct deposits are credited to the intended account, your bills are paid on time, and your automated transfers reach the right destination seamlessly.

3.4 Facilitating International Transfers

Routing numbers play a role not only in domestic transactions but also in international transfers. When initiating a wire transfer from one country to another, the routing number helps in identifying the destination bank.

Furthermore, the routing number assists in routing the funds through intermediary banks, ensuring they reach the intended final destination. Topic 4: The Role of Routing Numbers in Bank Transactions

Routing numbers form the backbone of bank transactions, enabling the seamless transfer of funds between financial institutions.

Let’s explore their role in various types of transactions and their significance in ensuring smooth and secure transfers. 4.1 Direct Deposits

Direct deposits have become a preferred method of receiving payments, whether it’s your salary, government benefits, or other recurring payments.

When setting up a direct deposit, you will be required to provide your bank’s routing number to the payer. This ensures that the funds are deposited directly into your account, without the need for physical checks or manual intervention.

The routing number guarantees that your direct deposits are credited to the correct bank and account, eliminating the risk of misdirected or delayed payments. 4.2 Wire Transfers

Wire transfers allow for the swift transfer of funds between financial institutions, whether domestic or international.

When initiating a wire transfer, you need to provide the routing number of both the originating and receiving banks. This information ensures that the funds are routed through the appropriate intermediary banks and reach the intended recipient without any delays or errors.

The accuracy of routing numbers is of utmost importance in wire transfers, as any mistake can result in funds being sent to the wrong account or even lost altogether. It is crucial to double-check the routing numbers provided to ensure a secure transfer of funds.

4.3 Electronic Fund Transfers

Electronic fund transfers (EFTs) have become increasingly prevalent in today’s digital banking landscape. Whether you’re paying bills online, transferring funds between your accounts, or making peer-to-peer payments, routing numbers are necessary for seamless electronic fund transfers.

By including the correct routing number for the recipient’s bank, you can ensure that your payment reaches the right account accurately and efficiently. Without accurate routing numbers, electronic fund transfers may be delayed, failed, or even result in funds being sent to the wrong recipient.

4.4 Verifying Account Ownership and Ensuring Security

Routing numbers serve as a crucial element in verifying account ownership and ensuring security in bank transactions. Financial institutions use routing numbers to confirm that the account details provided by the payer or payee match their records.

This verification process helps in preventing fraudulent activities, unauthorized access to accounts, and unauthorized transfers. By cross-referencing the routing number with the associated account details, financial institutions can maintain the security and integrity of the banking system, protecting both the customers and the institutions themselves.


In conclusion, routing numbers play an integral role in the functioning of the banking system, ensuring the accuracy, efficiency, and security of various transactions. Whether it’s identifying the originating and receiving banks, facilitating the clearing and settlement of checks, aiding in automated transfers, or enabling international transfers, routing numbers are indispensable.

Understanding their functions and providing accurate routing numbers is essential for individuals and businesses engaging in financial transactions, promoting a seamless and reliable banking experience.

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