Online Banking & Support

The easiest way to move money to and from your FNBO Direct Accounts, is to use our "Transfer Funds" feature. Log in to your FNBO Direct account, and use the “Transfer Funds” widget located at the lower left of the “Accounts” tab and the “Payments & Transfers” tab. Select "Internal Transfer" or "External Transfer", which allows you to transfer money from your FNBO Direct Accounts or any of your linked accounts at other banks. Keep in mind, there is a limit of six withdrawals per month from your Online Savings Account.

You can transfer funds to and from any FNBO Direct Accounts on which you are an authorized owner and any "External" linked accounts at other banks.

Some accounts, such as checking accounts, have no limit on the number of transfers you can make. However, the Online Savings Accounts are restricted on the number of withdrawals or transfers per month. Please review the disclosures for such limitations. If you have any questions, Contact Us.

If you initiate the transfer before 10:00 pm cutoff CST, Monday through Friday, the transfer will be made the same business day. If it is initiated after the 10:00 pm cutoff or on a Saturday, Sunday or a holiday, the transfer will be made on the next business day.

If you initiate a transfer from your other bank account to an FNBO Direct account, the movement of funds from your other bank account will likely be done that same business day. These funds will travel through the standard ACH process and credit your FNBO Direct account typically within three business days.

Yes, your personal information and account data are protected by multiple independent security protocols: firewalls, data encryption and a multi-layered verification for your account. These create a secure electronic tunnel between your computer and FNBO Direct's system. FNBO Direct supports the use of 256-bit encryption technology, the most secure form of encryption currently available for commercial use over the Internet.

You may Contact Us if you have any questions about your Online Checking Account or BillPay.

After logging in, select the "New Message" link and choose the message topic that best describes your question. After typing your message, click "Send" and your message will be sent to customer service.

If you do not see a message topic that closely aligns with your question, you can choose to send a message to customer service using the "Other" category.

The Reference Number is a unique identifier for your inquiry. If you need to ask a question about your case, use your reference number.

You can view your sent and received messages from the Inbox within Online Message Center. Sent and received messages will be date/time stamped in the "Last Update (CT)" column. Your message and all related messages are contained in one "message chain". When viewing a specific message, the most recent update to the message chain will appear first. All previous messages will appear when you click on the '+' beside 'Message Chain'.

Each time you receive a new message, an email will be sent to your personal email address notifying you of the new message. Log in to online banking and click on Contact Us to access the Online Message Center where you will be able to view your new message.

From the Inbox, click on the underlined message subject to view the details of the message.

It is our goal to respond to all messages within a reasonable amount of time. If you haven't received a reply within the designated amount of time, please resend the message or call our customer service representative at 1-877-370-3707.

While viewing your messages, select the "Reply to This Message" link. This will allow you to reply to your message.

When you delete a message, the message is no longer available in the Online Message Center but remains on our system for a period of 1 year.

You can update your email address within the "Account Services" once logged in to FNBO Direct.

You can update your email address within the "Account Services" once logged in to FNBO Direct.

No, the Account Alerts service is absolutely FREE to FNBO Direct online customers.

Alerts are sent to your email address via unsecured email. For that reason, we do not send confidential or personal information within the alert message.

FNBO Direct will display your first and last name with the last four digits of your account number in each email alert that comes from us. Additionally, FNBO Direct e-mails will only come from the addresses listed below:

No, all you need to receive the alerts is a valid email address.

We ask that you please do not reply to the alert emails. If you have questions about the email or the Account Alerts service, please go to the Contact Us section after logging in to your account and use the secure email function located there.

If you have not received an alert, go to the ”Manage Account Alerts” page on the “Accounts” tab to view all of the alerts you have set up on your accounts. If there is an alert on your list that you have not received, please check your spam or deleted files. If you have any questions or concerns about alerts, Contact Us via the secure email function after logging in to your FNBO Direct Account.

Yes, the Account Alert service and/or your ability to receive Account Alerts can be terminated. As stated in the Account Alerts agreement, FNBO Direct reserves the right to terminate or change its Account Alert without prior notice to you. Please review the Alert Agreement on the Accounts tab page for additional information.

Signing up for Account Alerts is simple. All you need is a valid email address. Then just click on ”Enroll in Account Alerts” from the “Accounts” tab.

Yes, alerts are offered for FNBO Direct Online Savings and Online Checking accounts.

There are specific alerts available for each type of account. When you sign up for Account Alerts, you can choose which alerts you want to receive for each of your enrolled accounts. We will only send you those alerts that you want, so you're always in control.

You can quickly and easily update your alerts. Just click “Set More Alerts” on the “Manage Account Alerts” page and select the account you want to update. Then choose which alerts are right for you.

To change your email address(es) go to the “Profile” tab and select the “Email Address” tab under Update Profile.

You can choose any or all of the Account Alerts below for your Online Checking Account:

Balance Update
You can set this alert to notify you when the Current Balance on your Online Checking Account falls below a dollar amount that you specify when you set up the alert.

Deposit Received
You will be notified when a deposit has posted to your account and the amount of the deposit.

You can choose any or all of the Account Alerts below for your Online BillPay Account:

Balance Update
You can set this alert to notify you when the Current Balance on your Online BillPay Account falls below a dollar amount that you specify when you set up the alert.

Deposit Received
You will be notified when a deposit has posted to your account and the amount of the deposit.

Nearing Potential Overdraft
You can set this alert to notify you when the Available Balance on your Online Checking account, which may include any lines of credit or overdraft protection, falls below a dollar amount that you specify when you set up the alert.

  •  Yes. The card lock/unlock feature provides convenient, self-service control of your account if you have temporarily misplaced your card or if, for a limited period of time, you want to prevent your card from being used.
  • When I lock/unlock my card, when will the change take effect?
    • Immediately
  • What happens when I lock my card?
    • We will send you a confirmation email when the card is locked or unlocked.
    • We will send an email notification if a declined transaction occurs as a result of the card being locked.
    • Locking your card will prevent it from being used for new purchases, ATM withdrawals, and online purchases from merchants that have the card on file.
    • To avoid service interruptions, locking your card will not stop recurring transactions (such as subscriptions and gym memberships) that the merchant designates as recurring transactions.  Please note that we do not control how merchants choose to designate these transactions.
    • If you’ve added your debit card to a digital wallet, you can still make digital wallet purchase in stores, merchant apps, and online while your card is locked.
  • What if the lock/unlock feature is not available on my card?
    • The lock/unlock feature is only available to the card owner. If you don’t see the lock/unlock control, you don’t have access permissions to use this feature.
  • What happens when someone tries to use my card when it’s locked?
    • We will send you and email letting them know that a transaction has been declined.
  • What should I do if I see a fraudulent charge on my card?
    • Report the fraudulent activity

The term privacy is used in connection with how organizations gather, manage, share, and safeguard customer information.

Our Privacy Policy describes the steps we take to protect your privacy. By reviewing our Privacy Policy you will understand that we do collect information, why we collect the information, and how we use it to benefit you.

The information we collect depends on the type of accounts you have with us. We will require nonpublic information (such as name, address, Social Security number, assets, IP address and income), and may also ask for information about your credit history, assets, debts and employment information. We also maintain transaction information (such as your creditworthiness or payment history) generated by the use of your accounts.

This is not a required field and is simply being collected in the event we wish to use this information in the future to provide mobile texting as an option for communicating with our customers.

Information about you helps us provide quality products and services that will benefit you. It also allows us to know our customers better which could help in the prevention of fraudulent activity on your accounts.

We continually enhance our security tools and processes to protect customer information. In addition, we take steps to protect your identity and your accounts by asking you for information that only you should know. In addition, we maintain physical, electronic and procedural safeguards to protect your information.

We take protecting your personal information very seriously. We use encryption technology such as Secure Socket Layer (SSL) to transmit your information online. Our commitment and understanding is demonstrated in our Privacy Policy and Security Statement.

We require you to provide answers to security questions to help identify you in certain situations. There are a few reasons why you are asked to answer security questions when logging into your account.

  1. You are a new user and need to enroll your account online for the first time.
  2. You are manually deleting your cookies.
  3. You have your computer security software on a very high setting that deletes 'first party' cookies. Most security software deletes only 'third party' cookies, but the setting can be changed to include 'first party'.
  4. You are using a different browser or computer each time you go to the website.

Depending on the situation, you can:

  1. When manually deleting cookies, be careful not to delete our cookie.
  2. Change the setting on your computer security software to delete only third party cookies, or add our cookie to the safe cookie list.
  3. Log in to our website from browsers that you have already set up with our cookie.

Yes, you may change your security questions online via the "Manage Security Profile" link or the "Profile" tab.

Upon enrolling your account you will choose a fraud-preventive Personal Image and Message. There are hundreds of images and messages to choose from. If you would like to change the personal message from what is provided with the image, that option is also available. The Personal Image and Message can be changed at any time using the "Manage Security Profile" link in the Login section.

Look for this image and message each time you log in! A fraudulent site will not have access to this information, so it will be missing in the log in process. Beware of broken links where your personal message should be. If you get a broken link, type our web address directly into your browser address line and try again.

  • With our website, customer information and account data is protected by several state-of-the-art safety features: firewalls, data encryption and password verification.
  • Our system is designed to limit online account access to those possessing the user ID and password associated with your account(s).
  • We will not send any account information to your computer unless your unique User ID and Password are entered correctly.
  • Your secure session will automatically terminate if you do not conduct transactions for 10 minutes. If this happens, you will have to log on again to access your accounts.

  • Memorize your User ID and Password. It is essential that you do not reveal your User ID and Password to anyone! We also recommend that you do not use easily verifiable information such as birth dates, social security numbers and addresses when selecting your Password and User ID.
  • Frequently change your password. You can easily change your password online in the Profile tab.
  • Completely sign off after each online session. For security purposes, the website will automatically sign you off after 10 minutes of inactivity.

It is important to create a password that is secure yet easy to remember. For more secure passwords, avoid using common words, family names or birth dates. The use of varied characters such as numbers, capital letters and lower case letters will increase the strength of your password.

Passwords must be an 8-20 letter and number combination containing upper and lower case letters with no special characters or spaces.

Our Password Strength Meter assists you in creating a more secure password for your online account. As you type, the Password Strength Meter will display the strength level of your password: Weak, Moderate or Strong. Your password cannot be your first or last name or User ID.

You can change your User ID or Password online in the Login section. We suggest that you change your password frequently for added security.

Encryption is the encoding of a file in order to protect its contents. This entails a word or a group of words essentially written in a secret code language - a language that is useless to anyone but you and the website, to protect that message from unwanted viewing or tampering. The term encryption is a computer-age extension of the term cryptic, which means something being hidden or mysterious.

You can determine when encryption is being used on the site by looking at the following icons on your browser. You can also verify that you are in a secured site when you see https:// in the address line. Microsoft Internet Explorer displays the lock icon in the lower right corner of your browser. Mozilla Firefox displays the lock icon in the lower left corner. Apple Safari displays the lock icon in the upper right corner of the title bar.

With Mozilla Firefox, you can double click on the lock icon to obtain more security information about the site you are viewing.

Information can be collected in several ways, but typically personally identifiable information (information that can be traced to a single user) isn't gathered on a widespread basis. Most information collected online is usage data, or data limited to where an individual visits within a site and/or how much time is spent at a particular site. Online services, for example, may track sign-on and sign-off times for billing purposes. Individual websites (whether companies or individuals) may gather certain kinds of information about you when you visit their site. Many sites limit information gathering to broad usage statistics. Some website operators may collect information about you through your email address, the means by which you connect to their site, by the use of "cookies" or voluntary questions directed at users.

A browser cookie is a fingerprint of your device that is used to identify you when you return to a website.

In order to log in to our website you will need to have cookies turned on in your browser, or accept the cookie if your browser prompts you. The security cookie will work with any browser that can accept standard cookies, including Internet Explorer, Mozilla, Firefox, Safari and Chrome.

No. The cookie is used to help identify you at login, but does not gather information about your computer or look at any information on your computer.

Only our website can read our cookie. It is used only at login, and is not used to track your activities on the Internet.

Our cookie contains only an encrypted numeric identifier with some anti-tamper content, and does not track any of the information on the web pages or any transactions you do. The cookie is unaware of the transaction, its type, amount and does not store any personal information about you.

Yes. Most security software will allow you to remove cookies. Note that after you delete our cookie, if you log in from the same browser again, you will be prompted to answer a security question.

If your credit/debit card or personal information is being used fraudulently, immediately contact (by phone and in writing) your card issuers and all creditors with whom your credit/debit card number or name has been used or may be used. Also contact the fraud units of the three major credit reporting companies: Experian (, Equifax (, and TransUnion ( Request that your credit report be flagged for potential or actual fraud, and inquire about attaching a victim's statement to your report.

Phishing is a fraudulent email scam that uses spam to attempt to get consumers to disclose or verify their account numbers, personal identification numbers (PIN), Social Security numbers, passwords, or other sensitive information. This email typically resembles an email from a familiar company and may have a similar Internet address to that company in the text; however, it will usually have a couple of letters transposed.

Protect yourself against phishing by using caution when applying for items via email. Be sure to verify the Internet address and check to see if the site is secure before you enter any personal data. If you receive an email you think looks suspicious from us, Contact Us.

Email is an inexpensive and popular method for distributing fraudulent messages. Phishing is a form of email fraud. These fraudulent emails appear to come from legitimate companies with whom consumers do business. The goal of a fraudulent email is to obtain personal and/or financial information. FNBO Direct will never ask for you to verify or provide any personal or financial information within an email.

Fraudulent email will typically have a familiar company logo and resemble their Internet site. For added security FNBO Direct will display your first and last name with the last four digits of your account number in each email that comes from us. FNBO Direct emails will only come from the addresses listed below:

If you are ever in doubt, please Contact Us.

If personal information was provided and you suspect that the Web site, email, or pop up box may be fraudulent please Contact Us. If personal information was not provided and you suspect fraudulent Internet activity, please fill out a Report Internet Fraud form. To assist in our investigation further please keep record of as much information as possible. We may request that you forward the email to FNBO Direct or print it so that it may be forwarded to other agencies as well. You can also report suspicious calls, emails, and text messages to the U.S. Federal Trade Commission.

Email addresses can be obtained from publicly available sources or through randomly generated lists. Therefore, if you receive a fake email that appears to be from FNBO Direct this does not mean that your email address, name, or any other information has been taken from FNBO Direct systems.

If you don't recognize the URL when you click a link in an email, you should open a new browser and type in an address you know. The majority of fraudulent email messages will link to fake copies of a legitimate site in which the URL is transposed by a couple of letters. If you are ever in doubt, please Contact Us.

FNBO Direct has many security measures and safeguards in place to ensure your accounts and credit are protected. We'd like to provide you with these tips so that we can work together to prevent fraud.

  • Use the latest version of internet browsers and email programs.
  • Review your email service provider's Security Policy. Or, have your email service provider explain their Security Policy. Be cautious about sharing personal information through email.
  • Do not open email attachments which you are not expecting; they may contain a virus that can infect your computer. Delete any unwanted email. And do not download programs from unknown sources.
  • If you are using a public computer, close your email program and browser before you leave.
  • If you are requested to provide personal information in response to an unsolicited email, contact the company represented in the email to determine its legitimacy.