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  FNBO Direct Online Checking
FNBO Direct Online Checking
in Checking Accounts from First National Bank of Omaha
Unaffiliated

FNBO Direct Online Checking

Unaffiliated
in Checking Accounts from First National Bank of Omaha
Net Recommendation Score -33  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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.

Rating not yet determined  

1 user recommends
0 users are unsure
2 users don't recommend
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Highlights
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, founded in 1857 and based in Omaha, NE. FNBO Direct Online Checking is available in 51 states across the USA.

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.
  • Small minimum initial deposit. You only need $1 to open an account.
FNBO Direct Online checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
FNBO Direct Online checking account FAQ

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

No, your First National Bank of Omaha checking accounts are not insured by a federal insurance agency. This means that if First National Bank of Omaha were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does FNBO Direct Online checking account offer?

FNBO Direct Online Checking Rates & Terms
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.

FNBO Direct Online Checking Minimums
Description
Minimum Balance to Earn APY $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?

This account charges a monthly service fee of $0.

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 Starting at $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:

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 not 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 First National Bank of Omaha

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

Minimum Balance to Earn APY $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 Starting at $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
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
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
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.15%
(Verified 08/08/2022)

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 -33, equating to 2.3 on a 5 point rating scale.

-33

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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