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FNBO Direct Online Checking
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Checking Accounts from First National Bank of Omaha
· Member FDIC
Unaffiliated
FNBO Direct Online Checking
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First Tech Rewards Checking®
2 reviews
| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.15% (Verified 08/08/2022) |
| Monthly Fee | $0 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
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 are 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 0.15%, 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 any monthly account fees.
- 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
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FNBO Direct Online checking account FAQ
Are checking accounts from First National Bank of Omaha federally insured?
Yes, your deposits 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?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.15% |
FNBO Direct Online checking account offers an APY of 0.15% (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.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $0.01 |
What fees does FNBO Direct Online checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $0 |
| Foreign Transaction Fee (Debit Card) | 0% |
| NSF Fee | $33 |
| Overdraft Item Fee | $33 |
| Overdraft Protection Fee (per transfer) | $33 |
| 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 |
| Paper Statement Fee | $5 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $0 |
| Early Account Closure | $0 |
Does FNBO Direct Online checking account charge overdraft fees?
Yes, FNBO Direct Online checking account charges a $33 fee for every overdraft. You can get 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.
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Message From FNBO Direct Online checking account
Contact
- Headquarters
-
16th & Dodge St
Omaha, NE 68197 USA - (415) 908-2200
- Visit Site
- Email Support
Other Services by First National Bank of Omaha
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Minimum Opening Deposit | Starting at $1 |
| Minimum Balance to Avoid Monthly Fee | Starting at $0 |
| Minimum Balance to Earn APY | $0.01 |
FNBO Direct Online Checking Community Reviews
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