No, this is a variable rate that is subject to change.

All FNBO Direct Online Savings Account customers are eligible for this rate.

All it takes to open an account is $1, and you are not required to maintain a minimum balance to earn this rate.

No, the rate is applied to the entire balance in your FNBO Direct Online Savings Account.

No, this rate only applies to your Online Savings Account(s). If you have multiple Online Savings Accounts, the same rate will apply to all savings accounts, regardless of when those deposits were made to your account.

No, this rate only applies to your Online Savings Account(s). If you have multiple Online Savings Accounts, the same rate will apply to all savings accounts, regardless of when those deposits were made to your account.

The interest rate is variable based on the Bank’s discretion. The rate will change based on the current market conditions.

In accordance with Federal Regulation DD, all banks are required to calculate Annual Percentage Yields for two purposes.

• In general, the annual percentage yield for advertising is an annualized rate that reflects the relationship between the amount of interest that would be earned by the consumer for the term of the account and the amount of principal used to calculate that interest. This allows consumers to make meaningful comparisons among depository institutions.
• The annual percentage yield for periodic statements is an annualized rate that reflects the relationship between the amount of interest actually earned on the consumer's account during the statement period. This figure is influenced by accrued but uncredited interest and rounding.

An Online Savings Account is a high yield savings account with 24-hour availability. The FNBO Direct Online Savings account is able to offer a high yield due to the lower costs associated with a pure online bank. Basically, we're efficient! No paper. No branches. No mailed applications. All applications must be submitted online. This allows us to offer you a great rate on products and services that help you meet your financial goals faster.

You may access your account after obtaining a user ID and password through the online enrollment process. Simply visit www.fnbodirect.com to log in.

An FNBO Direct account must be opened by a U.S. resident who is at least 18 years of age. However, an FNBO Direct Online Savings Account is a valuable opportunity for saving for your child's education. For more detailed information on the Online Savings Account, please see our Terms and Conditions.

Yes. You may close your account any time after we have received final settlement on all deposits made by you.

The easiest way to fund your FNBO Direct Online Savings Account is to use our "Transfers Widget." Log in to your account, and use the “Transfers Widget” located at the bottom left of either the “Accounts” tab or the “Payments & Transfers” tab. Select "External Transfers", which allows you to transfer money from your FNBO Direct Accounts or any of your linked accounts at other banks. The account that you used to initially fund your FNBO Direct Account(s) will automatically be available for you to transfer funds to and from. You may set up two additional transfer accounts to move money from your external accounts into an FNBO Direct Account(s) and back, if desired. Transferred funds do take up to 3 days to post to your FNBO Direct Online Savings Account(s).

Interest will begin to accrue no later than the business day we receive credit for your deposit (typically, this will be 2-3 business days after the first deposit is deducted from your funding account). For your convenience, we also have three additional methods of depositing funds into your account.

Wire Funds

You can wire funds directly into your FNBO Direct account for deposit. Wire transfers will not be used to open or initially fund the account; however, after you complete the application process with the initial funding and enrollment, you may wire funds. To wire funds, please provide the other financial institution with the following information:

FNBO Direct
PO Box 3707
Omaha, NE 68103-0707
External Routing and Transit Number/ABA: #104000016
Your account number located on your monthly Paperless Statement

Direct Deposit

Have your paycheck directly deposited into your savings account hassle-free and at no charge. With direct deposit, you never have to worry about losing your check or having it stolen. To initiate direct deposit, please complete the direct deposit form located under “Deposit Account Services” on the “Services” tab. Take your completed form to your company's human resource department.

Mail Us a Check

Mail checks for deposit into your account to:

FNBO Direct
PO Box 3707
Omaha, NE 68103-0707

To make withdrawals, log in to your FNBO Direct account, and use the “Transfers Widget” located at the bottom left of either the “Accounts” tab or the “Payments & Transfers” tab. Select "External Transfers", which allows you to transfer money from your FNBO Direct Accounts or any of your linked accounts at other banks.You may also withdraw funds by the use of your ATM card.

The first deposit you make to your FNBO Direct account will be subject to a hold. Funds from that deposit will not be available for transfer or withdrawal until after the tenth business day following the day the first deposit is deducted from your funding account. Interest, however, will begin to accrue no later than the business day we receive credit for your deposit (typically, this will be 2- 3 business days after the first deposit is deducted from your funding account).

To complete an outgoing wire transfer, login to your account and click the “Payments & Transfers” tab. Then, click on "Wire Transfer" link in the left-hand navigation. Next, select the appropriate source account number from the drop-down menu. Finally, complete a wire transfer request form and click "Submit".

Interest will begin to accrue no later than the business day we receive credit for your deposit (typically, this will be 2-3 business days after the first deposit is deducted from your funding account).

Interest is calculated daily and is compounded and credited monthly.

After your account is closed if any accrued interest of $5.00 or less remains, it will be forfeited.

You may make up to five cash withdrawals from ATMs each day.

You may withdraw up to $1,000 each day. That amount may be withdrawn in one single transaction or over the course of five separate transactions.

No. You are allowed unlimited ACH (online) deposits and unlimited ATM transfers. You are, however, limited to six ACH withdrawals per month in accordance with Federal regulation. Please review the disclosures for such limitations. If you have any questions, Contact Us.

No. FNBO Direct will accept ACH transfers from any U.S. based bank account; however, FNBO Direct does not accept transfers from foreign bank accounts. For foreign currency withdrawals from an ATM, please refer to the ATM terms and conditions mailed with your card.

Call us immediately at 1-877-370-3707 if you believe your card has been lost or stolen. If you contact us within two business days after you learn of the loss or theft of your card, you will be liable for no more than $50 if someone uses your card without your permission. If you have a good reason for not contacting us as soon as possible – such as a long trip or hospital stay – we may extend this period.

Yes. Once you have opened your FNBO Direct Online Savings Account you can schedule automatic transfers to your account. At your convenience, you can transfer a specified dollar amount to FNBO Direct from other accounts.

To change or cancel automatic transfers, log in to your account and select the “Scheduled” tab in the “Payments & Transfers” Widget located in the bottom right of either the “Accounts” or “Payments & Transfers” tabs. Select the “Change” button for the corresponding transfer you wish to edit or click the “Cancel” button if you wish to cancel the automatic transfer.

Yes. You can have your paycheck directly deposited into your savings account hassle-free and at no charge. With direct deposit, you never have to worry about losing your check or having it stolen. To initiate direct deposit, please complete the direct deposit form located under “Deposit Account Services” on the “Services” tab. Take your completed form to your company's human resource department.

No. Interest will be accrued on whatever amount of money you have in your savings account.

Yes. In addition to the funding account that you link to when you open your FNBO Direct account, you may link up to two more external accounts to your FNBO Direct Online Savings Account. You are limited to five "linked accounts" (the funding account and up to four more accounts). You may transfer money between those external "linked accounts" and your FNBO Direct Online Savings Account.

Currently, only Single-Party and Joint Accounts are available. Accounts for Non-Profit and Businesses are not yet available. Please see our Terms and Conditions for additional information.

Yes, to add a POD Beneficiary to your Online Savings Account, login to our secure website with your User ID and Password and go to the "Contact Us" section of the site. Then, select the "Online Message Center" link. Next, choose the "Send a Message" option. Choose the "Online BillPay/Online Savings" option and select "Add POD Beneficiary to my OSA" from the drop-down menu. To complete your request, please select the account number that you are updating and provide the following information in the "Questions and Comments" section before choosing "Submit:"

Name of POD Beneficiary
SSN of POD Beneficiary
Date of Birth of POD Beneficiary
Address of POD Beneficiary

*Payable on Death (POD)
If you establish a POD Beneficiary, upon your death the sums on deposit will pass to the beneficiary named and as a result the funds may not pass on to your heirs or be controlled by your Will.

Yes. Statements for FNBO Direct are available online.

Each month you will receive an email notifying you that your statement is available for viewing online.

No. There is never a fee for your FNBO Direct Account paperless statement.

You can have your paperless statement sent to two e-mail addresses per account.

We do not send your actual statement via email, rather we send you an email notification that your statement is available to view online. You must log in to our secure website to access your paperless statement.

Click on the “View Statement” link on the Account Detail page or the “Statement” link from the “Accounts” tab. Select the paperless statement for the appropriate account and your statement will open in Adobe Acrobat Reader. Choose the "Save" button in Adobe Acrobat Reader to save your paperless statement.

Click on the “View Statement” link on the Account Detail page or the “Statement” link from the “Accounts” tab. Select the paperless statement for the appropriate account and your statement will open in Adobe Acrobat Reader. Choose the "Print" button in Adobe Acrobat Reader to print your paperless statement.

Statements are viewable for up to 7 years.

Yes, your eStatement will be in a PDF format so you will need an Adobe Reader to view it. Click here to download the latest version of Adobe Acrobat Reader for free.

Yes, an ATM card is available. During the application process, you will be offered an ATM card.

The ATM card can be used at any PLUS networks.

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

A Foreign Currency Conversion Fee will be assessed on all transactions made in currencies other than U.S. Dollars. The Foreign Currency Conversion Fee will be equal to 2% of the amount of each foreign transaction. If we assess a fee, it will appear on your statement as a Foreign Currency Conversion Fee.

Transactions Made in Foreign Currencies: Transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars under the then current regulations of VISA. Those regulations currently provide that the conversion rate may be either the wholesale market rate or government-mandated rate in effect the day VISA processes the transaction. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

Personal Identification Number. It is a security code that allows FNBO Direct to verify that a request to access your account is authorized by you.

To select a PIN for your ATM card, simply go to the “PIN Request” page on the “Services” tab under “Deposit Account Services.” You will be asked to select your PIN. When selecting a PIN, use something that is not easily guessed – avoid birthdays and addresses. Use different PINs for each account. Memorize your PIN. Do not write it on the back of your card or keep it with you. Since the PIN is for security purposes, you should not disclose it to anyone.

Yes. You can request a PIN change by going to the PIN Request section of the Account Detail page.

You should receive your PIN immediately online.