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  FNBO Direct Online Checking

FNBO Direct Online Checking

in Checking Accounts from First National Bank of Omaha · 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
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Monthly Fee $0
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee Starting at $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
  • Higher than average APY. FNBO Direct Online Checking has an annual percentage yield of up to 0.25%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $0.01.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • 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.
  • Bill pay. Pay your bills to practically anyone in the United States through First National Bank of Omaha.
FNBO Direct Online checking account 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 account 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 account offer?

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

FNBO Direct Online checking account offers an APY of 0.25% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $0.01.

What are the account minimums for FNBO Direct Online checking account?

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

FNBO Direct Online Checking Minimums
Description
APY Minimum Balance $0.01
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does FNBO Direct Online checking account 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

Does FNBO Direct Online checking account charge overdraft fees?

Yes, FNBO Direct Online checking account charges a $33 fee for every overdraft.

FNBO Direct Online checking account offers overdraft protection at a cost of $33 per transaction.

What features and perks does FNBO Direct Online checking account offer?

This account includes the following features:

  • Fraud monitoring - FNBO Direct Online checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - FNBO Direct Online checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for FNBO Direct Online checking account?

The customer support email for FNBO Direct Online checking account is firstnational@fnbo.com.

How do people rate the customer service and user experience of FNBO Direct Online checking account?

Overall, FNBO Direct Online checking account is mostly recommended based on community reviews that rate customer service and user experience.

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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.

Message From FNBO Direct Online Checking

Online Checking with No Hidden Fees. Use it every day, or don't. Checking made simple with endless growth potential. No monthly service fees. Free online banking, BillPay, and account alerts. 24/7 worldwide access to over 2 million ATM locations. Effortlessly manage your bills and watch your money grow. 

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 Starting at $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
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
  • Member FDIC
  • 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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