Online Checking with no hidden fees.

  • No Monthly Service Fees
  • 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. Free circle one atm and non - circle one atm Withdrawals (Other bank and ATM Operators' surcharges may apply)
  • One Overdraft Forgiveness every 12 months**
  • Free Person-to-Person payments with Popmoney®
  • Free Debit Card Fraud Monitoring
  • Free Incoming Wires
  • Free Stop Payments

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Save the stamp and the hassle of writing paper checks. Start paying all your monthly bills online. Send payments to a company or an individual.

Set up recurring payments and you'll never forget your monthly utility bill, your charitable gifts or even your neighborhood lawn service.

Direct Deposit

Paying yourself first is easy when you set up a direct deposit into your FNBO Direct accounts.

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* FNBO Direct Online Checking Account Annual Percentage Yield is accurate as of DATE CURRENTLY UNAVAILABLE 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.

**We will make reasonable efforts to pay overdraft items if your account is in “good standing.” If not in good standing, your overdraft privileges may be changed or removed. “Good Standing” means that you 1) make sufficient deposits to bring your account to a positive end of day balance at least once every 30 calendar days (including payments of all bank fees and charges); 2) avoid excessive overdrafts; and 3) there are no legal orders, levies, or liens against your account. We may authorize and pay overdrafts for transactions made using your checking account number and for automatic bill payments (ACH and recurring debit transactions). A $33.00 Overdraft Item Fee will be charged for each item we pay (maximum 4 per day). If your transaction is returned unpaid, you will be assessed a $33.00 Returned Item Fee (also maximum 4 per day). You will automatically receive one free Overdraft or Returned Item forgiveness every 12 months from the date of the last automatic refund.

Additional charges apply for Express Delivery.