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  FNBO Direct Online Checking

FNBO Direct Online Checking

in Checking Accounts from First National Bank of Omaha · Member fdic

Unaffiliated

FNBO Direct Online Checking

Unaffiliated

in Checking Accounts from First National Bank of Omaha · Member FDIC

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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1 user recommends
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0.25%

FNBO Direct Online Checking Review

FNBO Direct Online Checking is offered by First National Bank of Omaha, a bank founded in 1857 and based in Omaha, NE. FNBO Direct Online Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.25%.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Small minimum initial deposit. You only need $1 to open an account.
  • No ATM fees. FNBO Direct Online Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through First National Bank of Omaha.
  • Hard credit pull. First National Bank of Omaha may require a hard pull on your credit report to open a checking account.
FNBO Direct Online Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Online-only account with no access to physical branches.
  • Higher than average wire transfer fees.
FNBO Direct Online Checking FAQ

Are checking accounts from First National Bank of Omaha federally insured?

Yes, your First National Bank of Omaha checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does FNBO Direct Online Checking offer?

FNBO Direct Online Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.25%

FNBO Direct Online Checking offers an APY of 0.25% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $0.01.

What are the account minimums for FNBO Direct Online Checking?

FNBO Direct Online Checking requires a minimum initial deposit of $1 to open an account.

FNBO Direct Online Checking Account Minimums
Description Amount
Minimum Opening Deposit $1
APY Minimum Balance $0.01

What fees does FNBO Direct Online Checking charge?

The good news is that this account does not have a monthly service charge.

FNBO Direct Online Checking Fees
Description
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $33
Online Bill Pay Fee $0
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $33
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $33
Returned Deposit Fee (International) $33
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0

What features and perks does FNBO Direct Online Checking offer?

This account includes the following features:

  • Fraud monitoring - FNBO Direct Online Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - FNBO Direct Online Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

APY Minimum Balance $0.01
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Stop Payment Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
NSF Fee $33
Overdraft Item Fee $33
Overdraft Protection Fee (per transfer) $33
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $33
Returned Deposit Fee (International) $33
Wire Transfer Fee - Domestic (Outgoing) $15
Bank Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • FDIC Member
  • Online-Only Account
APY (Annual Percentage Yield) 0.25%

FNBO Direct Online Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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