FNBO Direct Online Checking
in Checking Accounts from First National Bank of Omaha · Member FDIC
UnaffiliatedFNBO Direct Online Checking
in Checking Accounts from First National Bank of Omaha · Member FDIC
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| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 |
| ATM Fee: Out-of-Network | $0 |
| Minimum Balance to Avoid Monthly Fee | $0 |
| APY (Annual Percentage Yield) | 0.40% |
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 0.40%.
- $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
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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?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.40% |
FNBO Direct Online Checking offers an APY of 0.40% (APY stands for annual percentage yield, rates may change).
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.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $1 |
What fees does FNBO Direct Online Checking charge?
The good news is that this account does not have a monthly service charge.
| Description | |
|---|---|
| Monthly Fee | $0 |
| Paper Statement Fee | $5 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $0 |
| NSF Fee | $33 |
| Overdraft Protection Fee (per transfer) | $33 |
| Overdraft Item Fee | $33 |
| Early Account Closure | $0 |
| Returned Deposit Fee (Domestic) | $33 |
| Debit Card Replacement Fee | $0 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $0 |
| Check Image Service | N/A |
| Check Copy | N/A |
| Foreign Transaction Fee (Debit Card) | 0% |
| Wire Transfer Fee - Domestic (Outgoing) | $15 |
| Wire Transfer Fee - International (Outgoing) | N/A |
| Wire Transfer Fee - International (Incoming) | $0 |
| Returned Deposit Fee (International) | $33 |
| Wire Transfer Fee - Domestic (Incoming) | $0 |
| ATM Reimbursement Monthly Limit | N/A |
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.
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Contact
- Headquarters
-
16th & Dodge St
Omaha, NE 68197 - Visit Site
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
- Washington, DC
- 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
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| APY Minimum Balance | $0 |
| Minimum Combined Balance to Avoid Monthly Fee | $0 |
| Minimum Direct Deposit to Avoid Monthly Fee | $0 |
| Minimum Initial Deposit | $1 |
| Minimum Balance to Avoid Monthly Fee | $0 |
FNBO Direct Online Checking Community Reviews
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