Security National Bank of Omaha on Your Credit Report
In short: Headquartered in Omaha, NE, Security National Bank of Omaha has operated under FDIC certificate 19213 since its charter was established in 1964. Its 06/30/2026 call report shows $1.86 billion in total assets and 14 FDIC-reported offices. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System. An account reported by Security National Bank of Omaha is furnished by the bank itself, so your FCRA §623 rights attach to Security National Bank of Omaha directly, in addition to the §611 route through Equifax, Experian and TransUnion. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Security National Bank of Omaha actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Security National Bank of Omaha appears in the FDIC's active-institution file as certificate 19213, established September 1, 1964. As of the 06/30/2026 call report it carried $1.86 billion in total assets and 14 FDIC-reported offices, an average of about $133 million per office.
How Security National Bank of Omaha appears on your credit report
Security National Bank of Omaha is a regional lender headquartered in Omaha, NE, with 14 FDIC-reported offices and $1.86 billion in assets, on a charter 62 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
Grounds to dispute a Security National Bank of Omaha entry
Each of these is a reason a Security National Bank of Omaha tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Account reported under a predecessor institution name after a merger into Security National Bank of Omaha
- ◆Payment posted at Security National Bank of Omaha in Omaha, NE but reported late because of a processing-date mismatch
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Security National Bank of Omaha is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Security National Bank of Omaha has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Security National Bank of Omaha a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Security National Bank of Omaha questions, answered
Is Security National Bank of Omaha FDIC-insured, and what is its certificate number?
Yes. Security National Bank of Omaha holds FDIC certificate 19213. The FDIC record shows a charter established September 1, 1964, headquarters in Omaha, NE, and 14 FDIC-reported offices with $1.86 billion in total assets as of the 06/30/2026 call report. It is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System.
Who regulates Security National Bank of Omaha, and where do I escalate if a dispute fails?
Security National Bank of Omaha is a national bank chartered by the Office of the Comptroller of the Currency and a member of the Federal Reserve System, so its primary federal oversight comes from the Office of the Comptroller of the Currency (OCC). If a dispute with the bank and the bureaus both fail, you can complain to the OCC, to the NE state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Security National Bank of Omaha charter, and why does that matter for my credit report?
Security National Bank of Omaha was chartered in 1964, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 62-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask Security National Bank of Omaha to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Security National Bank of Omaha, and what does that mean for disputing an account?
Security National Bank of Omaha reports $1.86 billion across 14 FDIC-reported offices — roughly $133 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Security National Bank of Omaha account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Security National Bank of Omaha as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Security National Bank of Omaha can verify, and results vary from case to case.
Does NE law change anything about a Security National Bank of Omaha account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Security National Bank of Omaha being headquartered in Omaha, NE does not make NE law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Security National Bank of Omaha account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a Security National Bank of Omaha tradeline. The date that matters is when the account first went delinquent and stayed that way — not when Security National Bank of Omaha charged it off or when it was last reported. If the account has been re-aged so that it will report longer than it should, the wrong date is an FCRA inaccuracy in its own right and can be disputed separately from the debt.
Does Security National Bank of Omaha appear in the CFPB complaint database?
We do not publish a complaint figure for Security National Bank of Omaha. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 19213, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Security National Bank of Omaha and disputing with a collection agency?
The distinction decides which statute you are using. Security National Bank of Omaha is the original creditor and the furnisher of the tradeline, so your route is FCRA §623 — a duty to report accurately, with no 30-day validation window attached. A debt collector that later acquires the account is covered by the FDCPA instead, and FDCPA §809 gives you a validation demand within 30 days of its first contact. Read the furnisher name on your report first; a validation letter sent to Security National Bank of Omaha is aimed at the wrong statute.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Security National Bank of Omaha; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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