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Online Checking Account


Online Checking Account

Apply NowEffortlessly manage your bills and watch your money grow.

Account Summary

  • No Monthly Service Fees
  • We Went Green - No Paper Checks
  • Free Online Banking, BillPay, and Account Alerts
  • Free FNBO Direct Visa┬« Debit Card for all your everyday purchases
  • 24/7 worldwide access to over 2 million ATM locations. No ATM fees from us (other banks and ATM operators' surcharges may apply)
  • Free Person-to-Person payments with PopMoney┬«2
  • Free Debit Card Fraud Monitoring
  • Free Incoming Wires
  • Free Stop Payments

Account Features:

Online Banking

Manage your finances - and your peace of mind - simply and securely.

Mobile Banking

Safely and securely access your FNBO Direct accounts anywhere, anytime with our mobile app.

Digital Payments

Apple PayTM – Visa SRC – Samsung Pay; whatever your preference, pay with convenience.

Person to Person

Need to split the check for lunch? Cover your portion of rent? Send and receive money through your FNBO Direct accounts with Popmoney®.

Direct Deposit

Don't forget to pay yourself first with recurring deposits into your Online Savings Account!

Account Alerts

Balance getting low? Upcoming payments?  Stay in-the-know with custom alerts.

1FNBO Direct Online Checking Account Annual Percentage Yield is accurate as of   and is subject to change after that date. Rates may also change after the account is opened. Fees may reduce earnings. Minimum deposit to open an account is $1.00. Maximum principal deposit balance: $1,000,000. See the Disclosures for additional information and limitations.

2Additional charges apply for Express Delivery.