FNBO Direct Help Center

General Information

Questions

Who is FNBO and what is FNBO Direct?

Do I need to change banks?

Is my money insured?

What are considered business days?

What does ACH stand for?

What are FNBO Direct's hours of operation?

How do I contact FNBO Direct

Answers

  • Who is FNBO and what is FNBO Direct?

    FNBO Direct is a division of First National Bank of Omaha. In an industry characterized by mega-mergers and ever-changing marquees, First National Bank of Omaha is proud to have a history and a name that dates back over 150 years. First National's rise to prominence as a leading banking institution continues to be driven by its well-established culture of providing personalized customer service and innovative, quality products.

  • Do I need to change banks?

    No. You may keep your existing accounts at other financial institutions if you wish. You can link up to three external accounts to your FNBO Direct Online Savings Account. You may transfer money between those external "linked accounts" and your FNBO Direct Online Savings Account. The FNBO Direct Checking Account is a high-yield checkless checking account that allows you to earn interest on your everyday money while easily paying your bills. FNBO Direct also has Certificates of Deposits, investment options, and the ExtraEarnings® Visa® Credit Card for your banking convenience. With all these products and services at your finger tips, you may not need your other accounts.

  • Is my money insured?

    Deposits at FNBO Direct are FDIC insured to the maximum allowed by law. Funds in First National Bank of Omaha and FNBO Direct accounts will be summed for purposes of insurance coverage. To review our FDIC Information, please click here to access the FDIC search listing. Search for First National Bank of Omaha, Omaha NE. Our FDIC Certificate number is 5452.

  • What are considered business days?

    Monday through Friday, excluding holidays.

  • What does ACH stand for?

    ACH stands for Automated Clearing House. All direct deposits or withdrawals transferring from one account to another are routed through the Federal Reserve for verification of origin of funds.

  • What are FNBO Direct's hours of operation?

    Your FNBO Direct account is available 24 hours a day, 7 days a week by visiting www.fnbodirect.com.

  • How do I contact FNBO Direct

    Email Us

    Select Contact Us at the upper right of your screen and drop us a line. We'll email you back within 24 hours with a response to your question.

    Call Us

    If you would like to speak with a Customer Service representative, call 877-370-3707, 24 hours a day, 7 days a week.

    Hearing impaired customers with TDD equipment, call 402-602-8264, 24 hours a day, 7 days a week.

    Mail Us

    You can contact us by mailing correspondence to the following address:

    FNBO Direct
    P.O. Box 3707
    Omaha, NE 68103-0707

    Fax Us

    (402) 938-5325

Account Opening

Questions

How do I open an FNBO Direct Account?

How much do I need to open my Account(s)?

Once I complete my online application, how long will it take to receive a decision regarding my FNBO Direct Account(s)?

Can I open a Joint Account?

Can I open my FNBO Direct Account(s) with a check?

How will I know when my account is open?

How long will it take for me to complete the online application?

Can I apply by mail?

Will filling out an application affect my credit score?

What is Backup Withholding?

Answers

Bill Payment

Questions

What is the FNBO Direct Online Checking Account?

After my Checking Account is opened, will I receive paper checks to write?

What if I need to send money to someone?

Do you offer overdraft line of credit on this account?

How can FNBO Direct pay such high interest on my Online Checking Account?

Can I add a joint owner to my account?

How can I make deposits into my account?

How often will I receive a Paperless Statement?

What if I need to change my address on my Checking Account?

Is it safe to pay my bills over the Internet?

Who do I call if I have a problem using BillPay?

Is a bank card available with this account and how do I obtain it?

Answers

  • What is the FNBO Direct Online Checking Account?

    The FNBO Direct Online Checking Account is an electronic, paperless checking account changing the way you manage your monthly bills. Why not make money while managing your money? FNBO Direct Online Checking gives you the freedom and convenience of a checking account with the earning power of a savings.

    Pay your monthly bills securely and for free without a Checkbook.
    With an FNBO Direct Online Checking Account, you can pay all your monthly bills for free. Send payments to a company or an individual. Simply enter the company or person's information, the details of the payment under "Add a Payee" and we'll take care of the rest. Set up recurring payments and you'll never forget your monthly utility bill, your charitable gifts or even your neighborhood lawn service. Don't let paper checks slow you down again!

  • After my Checking Account is opened, will I receive paper checks to write?

    No. FNBO Direct Online Checking works just like your paper checkbook, but instead of writing out the check, you're letting your computer do the work. With a paperless checking account - you'll be able to make payments online, and receive your statement electronically, no checkbook needed.

  • What if I need to send money to someone?

    Think of us as your online checkbook. With FNBO Direct you can pay any merchant or individual directly through your Online Checking Account electronically. Simply log in and select the "Payments & Transfers" tab. Enter the information for the recipient and the details of the payment under "Add a Payee" and we'll do the rest. Use your "Payment History" to keep track of payment amounts and dates for each payee. You can even view a snapshot of your yearly expenditures with "Payment Summary".

  • Do you offer overdraft line of credit on this account?

    No. There is not a line of credit associated with your FNBO Direct Online Checking Account.

  • How can FNBO Direct pay such high interest on my Online Checking Account?

    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.

  • Can I add a joint owner to my account?

    Yes, your Checking Account may have joint owners. Just select "Joint Application" at the time of account opening.

  • How can I make deposits into my account?

    The easiest way to fund your FNBO Direct Online Checking Account is to use our "Transfer Funds" feature. Log in to your FNBO Direct account, and use the transfers widget located at the bottom left of the “Accounts” tab and/or 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.

  • How often will I receive a Paperless Statement?

    Your statement will be available monthly and will conveniently show all accounts you have with FNBO Direct. You'll receive an email notification when your paperless statement is available for viewing online. We don't send paperless statements via email.

  • What if I need to change my address on my Checking Account?

    To update your address on any of your FNBO Direct Accounts, select the “Profile” tab. Under the Update Profile section you'll find you can update any information that may had changed recently including your address and phone number.

  • Is it safe to pay my bills over the Internet?

    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 128-bit encryption technology, the most secure form of encryption currently available for commercial use over the Internet.

  • Who do I call if I have a problem using BillPay?

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

  • Is a bank card available with this account and how do I obtain it?

    Enjoy the convenience of an FNBO Direct Visa® Debit Card with your Online Checking Account. Present anywhere Visa® is accepted to purchase your everyday items using your FNBO Direct Online Checking Account.

    Additionally, the FNBO Direct Visa® Debit Card doubles as your ATM Card. Use it at over 840,000 Plus locations nationwide. Qualifying balances will not be charged for the first 4 foreign ATM fees each statement period.*

    To request an FNBO Direct Visa® Debit Card with your Checking Account, simply indicate you would like a debit card at account opening. Or log into your FNBO Direct Accounts and follow these steps:

    • Select the "Contact Us" link in the upper right.
    • Choose the "Email" link, then select the "General Inquiry" option and click continue. Confirm your request by typing the following in the Questions or Comments box: "I would like a Visa Debit Card", and click "Submit".

    Once requested, you can expect your new FNBO Direct Visa® Debit Card to arrive in the mail within 7 days.

Download

Questions

Download your account information into your Personal Financial Management Software.

What is Quicken® Web Connect*?

How do I perform a Quicken® Web Connect* download from my online banking account?

How do I find First National Bank on my Quicken® 2009 software?

How do I perform a Quicken® Web Connect download from my Quicken® 2009 software?

How do I get started with QuickBooks® Web Connect* from my online banking account?

How do I get started with QuickBooks® Web Connect* using QuickBooks®*?

How do I find First National Bank on my QuickBooks 2009 software?

How do I download from QuickBooks 2009 or later (after the first download)?

How do I download from Quicken software?

How do I download from Microsoft Excel software?

Answers

  • What is Quicken® Web Connect*?

    Quicken® Web Connect offers superior download capability. You will enjoy an easier, and more accurate download, without having to import and find your file, worry about duplicates, or even manually launch Quicken! To use Web Connect, you must have Quicken® 2009 software. Quicken®, Web Connect downloads can be done from either your online banking account or from your Quicken® 2009 software.

    Return to Download FAQ

  • How do I perform a Quicken® Web Connect* download from my online banking account?
    1. Log on to your bank's web site.
    2. Select the download link from the Account Detail page or the Download link from the left navigation menu on the Account Summary page.
    3. Select the account to download.
    4. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
    5. Select the Quicken 2009 or later (Web Connect) format.
    6. Click on the Download Now button.
    7. A dialog box may appear stating "Would you like to open the file or save it to your computer?" Select Open. (If your downloads are saved to your hard drive, find the file after it is saved, and open the file.)
    8. If this is your first time downloading with Quicken® Web Connect for the account selected:
      1. A dialog box will appear stating, "You are downloading transactions for the following account." The box will display account information, such as Financial Institution, Account Type and Account Number.
      2. You will be asked if you would like to use "An existing Quicken account" or if you would like to "Create a new Quicken account".
        • Click the Use an Existing Quicken account button and select an account that you manually enter transactions or perform QIF imports and click Continue.
        • Or, click the Create a new Quicken account button and type a name for the account and click Continue.

          (You only need to select the account for this first download. After the account is activated for Web Connect account access, future downloads will download to this account automatically).

      3. When a dialog box appears stating that "Quicken confirms that Web Connect data has been successfully downloaded to Quicken", click Done.

      Follow the above steps for any other accounts you may wish to download into Quicken 2009.

  • How do I find First National Bank on my Quicken® 2009 software?

    When attempting to connect to your online banking account from Quicken®, go to the list of participating financial institutions, and select First National Bank and click on Go, and then log into our bank site as you normally would.

  • How do I perform Quicken® Web Connect download from my Quicken®, 2009 software?
    1. Have Quicken 2009 open.
    2. Click Download Transactions located at the bottom of your account register.
    3. The next page displayed will be the First National Bank page.
    4. Log into your bank/credit card as you normally would.
    5. Select the download link from the Account Detail screen or the Download link from the left navigation menu on the Account Summary page.
    6. Select the account to download.
    7. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
    8. Select the Quicken 2009 or later (Web Connect) format.
    9. Click on the Download Now button.
    10. A dialog box may appear stating "Would you like to open the file or save it to your computer?" Select Open. (If your downloads are saved to your hard drive, find the file after it is saved, and open the file.)
    11. When a dialog box appears stating that "Quicken confirms that Web Connect data has been successfully downloaded to Quicken", click Done.
    12. Your transactions have been downloaded into your Quicken software.

    If you have problems downloading your account information, please contact us.

    Return to Download FAQ

  • QuickBooks®

  • How do I get started with QuickBooks® Web Connect* from my online banking account?
    1. QuickBooks 2009® is required for you to use QuickBooks with your online banking account.
    2. Log in to your account.
    3. Select the download link from the Accounts Tab or an Account Detail page.
    4. Select the account to download.
    5. Select your download dates. To avoid possibly downloading duplicate entries, the THROUGH date should be no later than the previous business day.
    6. Select QuickBooks 2009 or later (Web Connect) format.
    7. Select the Download Now button.
    8. A dialog box will appear that asks whether you want to process transactions now or save them for later processing.
    9. Select the HaveQuickBooks process these transactions now radio button to continue.
    10. On the 'Select Bank Account' dialog box, select the Use an existing QuickBooks account radio button and select an account from the drop-down list, or select the Create a new QuickBooks account radio button and type a name for the account, and then select Continue.
    11. When QuickBooks confirms that your Web Connect data has been successfully read into QuickBooks, select OK.

    Return to Download FAQ

  • How do I get started with QuickBooks® Web Connect* using QuickBooks®*?
    1. From the Banking menu, choose Set Up Online Financial Services, then choose Setup Account for Online Access. You may see a message about closing all windows. Select Yes.
    2. Select the Enable Accounts tab on the top of the Interview Box.
    3. Select Next.
    4. From the drop-down list, select First National Bank, then select Next.
    5. Select "Yes, I've received my confirmation letter", then select Next.
    6. If prompted to complete your account setup online, select 'Go Online'. Log into your account on First National Bank Online. Go to the Download page, select your account, your statement/date range, select the QuickBooks 2009 or later format, and select Download Now to download your statement/date range into QuickBooks.
    7. Select a QuickBooks account to set up for online services.
      • To enable an existing QuickBooks account for online banking, select 'Use my existing QuickBooks account.' Choose the account you want to enable, then select Next.
      • To create a new QuickBooks account for online banking, select 'Create a new QuickBooks account,' then select Next. Follow the on-screen instructions to enter new account information.
    8. If prompted, enter your account type and account number, and select the online account access and/or online payment services. Continue following any remaining instructions to complete the interview and setup process.

    Return to Download FAQ

  • How do I find First National Bank on my QuickBooks 2009 software?

    When attempting to connect to your online banking account from QuickBooks®, you will need to select the list of participating financial institutions, and then select First National Bank, and then log into your bank site as you normally would.

    Return to Download FAQ

  • How do I download from QuickBooks 2009 or later (after the first download)?
    1. From the QuickBooks banking menu, choose Online Banking Center.
    2. In the Online Banking Center, select First National Bank from the Financial Institution list box. (This box is in the upper left hand corner of the screen.)
    3. In the Items to Send area, select the desired statement and then select Go Online.
    4. When your banks site's page is displayed, enter your User ID and password, and select Download in the logon to/go to drop down box. Select Submit/Log On button.
    5. Select the account to download.
    6. Select your download dates. To avoid possibly downloading duplicate pending entries, the THROUGH date should be no later than the previous business day.
    7. Select the QuickBooks 2009 or later (Web Connect) format.
    8. Select the Download Now button.
    9. A dialog box may appear asking if you would like to Open the file or Save it. Select open.
    10. You will next see a dialog box from QuickBooks that QuickBooks has received new transaction data.
    11. Select to import new transactions now. Select OK.
    12. You will see a dialog box that your Web Connect data has been successfully read into QuickBooks. Select OK.
    13. In the Items Received From Financial Institution area, select the desired statement and then select View. The Match Transactions window appears.
    14. From the list at the bottom of the Match Transactions window, select a transaction to add to the register and then select Add One to Register. Use the Add Multiple button to add all transactions that have a recognized payee and associated account.
    15. Follow the on-screen prompts to perform your desired activities. You will have opportunity to create an alias for an unrecognized payee. Aliased payees are automatically renamed at each download.
    16. When the transaction appears in the register, select an account for the transaction from the Account drop-down list and then select Record.

    If you have problems downloading your account information, please contact us.

    Return to Download FAQ

  • Quicken® and Quicken® for Mac

  • How do I download from Quicken software?

    The download must be saved into a file on your hard drive (usually the C:\ drive for PC users or the desktop for Macintosh users). Information will be downloaded from your online banking account from a specified date range into a file designated by you. Follow these procedures for downloading:

    1. From your online banking account, select the Download Transactions link from the Account Detail page or the Download link from the left navigation menu in the Banking section.
    2. Choose the account you would like to download.
    3. Choose your download dates.
    4. To avoid duplicating pending transactions, the THROUGH date should be no later than the previous business day.
    5. Choose your download format. There are two format options available for Quicken: Quicken versions 1999 release 4 and above or Quicken 99 below release 4. Choose the format that is appropriate for your version.
    6. Click on Download Now.
      1. The next screen will ask WHAT WOULD YOU LIKE TO DO WITH THIS FILE? Select SAVE THIS FILE TO DISK, then select OK.
      2. A SAVE AS window will be displayed on your screen.
      3. In this window, select the file location in the SAVE IN drop-down box. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
      4. Enter a FILE NAME. The file will automatically be named DownloadTran.qif. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.) If you choose to enter your own file name, this file must be followed by the .qif extension. For example: checking.qif, download.qif, update.qif.
      5. Then select the SAVE button.

        The account information is now located in the file and a DOWNLOAD COMPLETE message will appear.

    Microsoft Excel®

  • How do I download from Microsoft Excel software?

    The download must be saved into a file on your hard drive (usually the C:\ drive for PC users or the desktop for Macintosh users). Information will be downloaded from your online banking account for a specified date range into a file designated by you. Follow these procedures for downloading:

    1. Select the Download link from the Accounts Tab or a the Account Detail page.
    2. Choose the account you would like to download.
    3. Choose your download dates.
    4. To avoid duplicating pending transactions, the THROUGH date should be no later than the previous business day.
    5. Choose the Text (Excel, Lotus) comma delimited format.
    6. li class="last">Click on Download now.
      1. The next screen will ask WHAT WOULD YOU LIKE TO DO WITH THIS FILE? Select SAVE THIS FILE TO DISK, then select OK.
      2. A SAVE AS window will be displayed on your screen.
      3. In this window, select the file location in the SAVE IN drop-down box. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
      4. Enter a FILE NAME. The file will automatically be named DownloadTran.qif. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.) If you choose to enter your own file name, this file must be followed by the .qif extension. For example: checking.qif, download.qif, update.qif.
      5. Then select the SAVE button.
      6. The next screen will ask WHAT WOULD YOU LIKE TO DO WITH THIS FILE? Select SAVE THIS FILE TO DISK, then select OK.
      7. A SAVE AS window will be displayed on your screen.
      8. In this window, select the file location in the SAVE IN drop-down box. While there are no specific rules as to where the information should be saved, it is imperative to place the file where it can be remembered. Make sure you note any sub-directories the file might be in.
      9. Enter a FILE NAME. The file will automatically be named DownloadTran.txt. You may keep this file name or enter one of your own. (This file may be used for all downloads from here forward.) If you choose to enter your own file name, this file must be followed by the .txt extension. For example: checking.txt, download.txt, update.txt.
      10. Then select the SAVE button.
      11. The download information is now located in the file and a DOWNLOAD COMPLETE message will appear.

    To open the file using Microsoft Excel®, complete the following steps:

    1. Select FILE then select OPEN.
    2. In the FILES OF TYPE box, click TEXT FILES.
    3. In the LOOK IN box, locate the file saved during the download phase and double-click on the file you want to import.
    4. The Text Import Wizard will appear.
    5. In step 1 of the wizard, Choose DELIMITED for your file type, then click on the NEXT button.
    6. In step 2 of the wizard, place a check in the COMMA option for Delimiters, then click on the NEXT button.
    7. In step 3 of the wizard, you may choose the format you wish for each column by clicking the columns in the DATA PREVIEW box, then click on the FINISHED button when your data is formatted as you like.
    8. View your transactions. All transactions will appear with dates, descriptions and amounts.

    If you have problems or questions about downloading your account information, Contact Us.

    Return to Download FAQ

Certificates of Deposit

Questions

How safe are my CDs?

How is interest calculated on my CD?

What if I need to withdraw my funds early?

How can I renew my CD for the same term at the new interest rate?

Can I make a partial withdrawal from my CD at maturity?

Can I make an additional deposit to my CD at maturity?

How do I close my FNBO Direct CD Account?

How can I renew my FNBO Direct CD for a different term?

What is a 10 calendar day grace period?

Can I sign up to receive paperless statements for my Certificate of Deposit Account(s)?

Can I designate a Payable on Death* (POD) Beneficiary for my Certificate of Deposit Account?

Answers

  • How safe are my CDs?

    Your FNBO Direct CD deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to the maximum permitted by law. FNBO Direct's FDIC certificate number is FDIC Cert: 5452. FNBO Direct is a division of FNBO and is a National Bank. It has been FDIC insured since January 1, 1934 and was established on January 1, 1857. To learn more about FDIC, visit them online at: www.fdic.gov.

  • How is interest calculated on my CD?

    For your FNBO Direct CD, interest compounds daily and is credited to your account quarterly. If you have any questions, please feel free to Contact Us.

  • What if I need to withdraw my funds early?

    You can withdraw your funds at any time prior to the maturity of the CD, but your withdrawal is then subject to an early withdrawal penalty. This may result in a loss of accumulated interest and possibly principal. You do have a 10 calendar day grace period at the maturity of the CD, in which you have the option to withdraw funds without a penalty.

    • Terms of 0-3 months are penalized all interest earned if withdrawn early (minimum of 7 days)
    • Terms over 3 months up to 1 year are penalized 3 months of interest
    • Terms over 1 year are penalized 6 months of interest.
  • How can I renew my CD for the same term at the new interest rate?

    If you want to renew your CD for the same term with the same balance there is no need to call or e-mail FNBO Direct. Your CD is set to renew automatically at the new interest rate.

  • Can I make a partial withdrawal from my CD at maturity?

    To remove part of the funds from your CD at maturity, log in to your account and select the "Contact Us" link located in the top right corner of each page. Click the “Online Message Center” link and select "Send a Message," and choose Certificate of Deposit. Select your message topic in the dropdown menu and click next. After filling in the requested information, type a message asking:

    • To remove the dollar amount of your choice.
    • To renew the remaining balance for the same term as the initial investment.

    You may contact FNBO Direct regarding your CD after receiving your maturity notice in the mail and can make changes up to 10 calendar days after your date of maturity.

  • Can I make an additional deposit to my CD at maturity?

    To make an additional deposit into your CD at maturity, log in to your account and select the "Contact Us" link located in the top right corner of each page. Click the “Online Message Center” link and select "Send a Message," and choose Certificate of Deposit. Select your message topic in the dropdown menu and click next. After filling in the requested information, type a message asking:

    • To add additional funds from your FNBO Direct OSA, please give a specific amount.
    • To renew the new balance for the same term as the initial investment. You may contact FNBO Direct regarding your CD after receiving your maturity notice in the mail and can make changes up to 10 calendar days after your date of maturity.
  • How do I close my FNBO Direct CD Account?

    If you would like to close your CD, log in to your account and select the "Services" tab. Click “Close An Account” in the left sidebar navigation under “Deposit Account Services.” Complete the form and click “Submit”.

  • How can I renew my FNBO Direct CD for a different term?

    If you would like to keep the same balance and change only your term, log in to your account and select the "Contact Us" link located in the top right corner of each page. Click the “Online Message Center” link and select "Send a Message," and choose Certificate of Deposit. Select your message topic in the dropdown menu and click next. After filling in the requested information, type: "Renew CD under new terms." Then provide the new length of time you would like for your new CD.

    Please contact FNBO Direct regarding your CD only after receiving your maturity notice in the mail. You can make changes up to 10 days after your date of maturity.

  • What is a 10 calendar day grace period?

    Your FNBO Direct CD grace period is the 10 calendar days after the maturity date of your CD. At this time you can add additional funds to your account, withdraw your funds without penalty, or let them automatically renew for the same term and current rate.

  • Can I sign up to receive paperless statements for my Certificate of Deposit Account(s)?

    Yes, since your FNBO Direct CD is completely electronic, with NO paper, you are automatically enrolled in Paperless Statements on your Certificate of Deposit account(s). Each month you will receive an email notifying you that your statement is available for viewing online. If you need a hard copy of your statement, for example, just print out a statement. With Paperless Statements you will get your statement faster, and all your statements will be archived, organized and stored securely on FNBO Direct.

  • Can I designate a Payable on Death* (POD) Beneficiary for my Certificate of Deposit Account?

    Yes, to add a POD Beneficiary to your Certificate of Deposit Account, login to your account and go to the "Contact Us" page. Click on "Online Message Center" and select “Send a Message.” Next, select ”Online Certificate of Deposit” and choose. "Add a POD Beneficiary to my CD" from the drop-down menu. To complete your request, please provide the following information in the "Questions or 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.

Transfer Funds

Questions

How do I transfer funds to or from my FNBO Direct Account?

What types of accounts can I transfer funds to and from?

Are there limits on the number of transfers I can make?

When will my transfers between my FNBO Direct Accounts take place?

When will my transfers from my other bank accounts take place?

Answers

  • How do I transfer funds to or from my FNBO Direct Account?

    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.

  • What types of accounts can I transfer funds to and from?

    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. Plus, you can make payments to your FNBO Direct credit card accounts.

  • Are there limits on the number of transfers I can make?

    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.

  • When will my transfers between my FNBO Direct Accounts take place?

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

  • When will my transfers from my other bank accounts take place?

    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. See illustration below:

Privacy and Security

Questions

What is privacy?

What do I need to know about the privacy standards?

What kind of information does the bank collect?

Why is a mobile number requested?

Why does the bank share my personal or nonpublic information?

How does the bank protect the security of customer information?

What does the bank do to help make my Internet access secure?

Why am I being asked to answer security questions when I log in?

How do I avoid answering the security questions every time I log in?

Am I able to change my security questions online?

What is a personal image and message?

How secure is the website?

What can I do to protect my accounts and personal information while I am banking online?

What are your password security requirements?

What if I think someone may know my User ID or Password?

What is encryption?

How do I know if my banking session is encrypted?

How do websites collect information?

What is a browser cookie?

Does the website use cookies to gather information about me or my computer?

Can I remove cookies from my computer?

What can I do if my credit/debit card number or other personal information is being used fraudulently?

What is phishing?

What can I do to protect myself against phishing?

Answers

  • What is privacy?

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

  • What do I need to know about the privacy standards?

    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.

  • What kind of information does the bank collect?

    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.

  • Why is a mobile number requested?

    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.

  • Why does the bank share my personal or nonpublic information?

    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.

  • How does the bank protect the security of customer information?

    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.

  • What does the bank do to help make my Internet access secure?

    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.

  • Why am I being asked to answer security questions when I log in?

    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.
  • How do I avoid answering the security questions every time I log in?

    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.
  • Am I able to change my security questions online?

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

  • What is a personal image and message?

    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.

  • How secure is the website?
    • 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.
  • What can I do to protect my accounts and personal information while I am banking online?
    • 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.
  • What are your password security requirements?

    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.

  • What if I think someone may know my User ID or Password?

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

  • What is encryption?

    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.

  • How do I know if my banking session is encrypted?

    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.

  • How do websites collect information?

    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.

  • What is a browser cookie?

    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.

  • Does the website use cookies to gather information about me or my computer?

    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.

  • Can I remove cookies from my computer?

    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.

  • What can I do if my credit/debit card number or other personal information is being used fraudulently?

    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 (www.experian.com), Equifax (www.equifax.com), and TransUnion (www.transunion.com). Request that your credit report be flagged for potential or actual fraud, and inquire about attaching a victim's statement to your report.

  • What is phishing?

    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.

  • What can I do to protect myself against phishing?

    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.

Internet Fraud

Questions

What is email fraud?

How can I tell if an email or other Internet activity is fraudulent?

How do I report a fraudulent email?

How is my email address obtained?

How do I know the web site I am viewing is legitimate?

How can I protect myself against email or Internet fraud?

Answers

  • What is email fraud?

    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.

  • How can I tell if an email or other Internet activity is fraudulent?

    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:

    Service@FNBODirect.com
    FNBO Direct [Service@FNBODirect.com]
    FNBO Direct [email@email.fnbodirect.com]

    If you are ever in doubt, please Contact Us.

  • How do I report a fraudulent email?

    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.

  • How is my email address obtained?

    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.

  • How do I know the web site I am viewing is legitimate?

    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.

  • How can I protect myself against email or Internet fraud?

    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.

Online Message Center

Questions

How do I send a message?

What if I don't see the topic I would like to ask about?

What does "Reference Number" mean?

How do I view my sent messages?

I received a notice that I have a new message in my Inbox. How do I retrieve my new message?

How do I view my new messages?

What if I have not received a reply in the amount of time I was told?

How do I reply to my messages?

What happens when I delete a message?

Can I update my email address?

Answers

  • How do I send a message?

    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.

  • What if I don't see the topic I would like to ask about?

    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.

  • What does "Reference Number" mean?

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

  • How do I view my sent messages?

    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'.

  • I received a notice that I have a new message in my Inbox. How do I retrieve my new message?

    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.

  • How do I view my new messages?

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

  • What if I have not received a reply in the amount of time I was told?

    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.

  • How do I reply to my messages?

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

  • What happens when I delete a 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.

  • Can I update my email address?

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

Apple Pay

Questions

What FNBO Direct cards are eligible?

How do I make a purchase using a card other than my default card?

What devices can be used with Apple Pay?

How do I make sure Apple Pay is turned off when I don’t want to use it?

What should I do if I lose my card?

What should I do if I lose my Apple device?

Why does my card image on my phone look different than my physical card when I load it in Passbook?

How do I set my FNBO Direct card as my default card to pay?

I use my FNBO Direct card for iTunes, can I connect this to Apple Pay?

Why am I being asked to verify my card?

Will I still have access to the same benefits my card offers if I use Apple Pay?

Will I still earn rewards on eligible purchases if I use Apple Pay?

How do I update my card’s expiration date or card number in Apple Pay?

I have multiple FNBO Direct cards, can I add multiple to Apple Pay?

Can I add the same card on multiple devices?

What are the transactions appearing under my card in Apple Pay?

If I load my FNBO Direct card onto my Apple device, will I be charged any new fees or rates?

How do I return a purchase I made through Apple Pay?

What happens when I replace or update my device?

How do I remove my card from Apple Pay?

Can I use Apple Pay outside of the United States?

I have a chip enabled card, will it still work in Apple Pay?

Answers