SuperMoney
  FNBO Direct Online Checking

Best Of Product

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.

Rating not yet determined  

Explore a similar product
Try this top product in Checking Accounts.
First Tech Rewards Checking®
First Tech Rewards Checking®

Rating not yet determined  

2 reviews
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, 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

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 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?

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 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.

FNBO Direct Online Checking Fees
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.

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.

Message From FNBO Direct Online checking account

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.
  • 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
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
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

 

Would you recommend FNBO Direct Online Checking to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

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.

sorted by

Other Checking Accounts