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  FNBO Direct Online Savings Account

FNBO Direct Online Savings Account

in Savings Accounts from First National Bank of Omaha · fdic

Unaffiliated

FNBO Direct Online Savings Account

Unaffiliated

in Savings Accounts from First National Bank of Omaha · Member FDIC

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Highlights
Monthly Fee $0
APY (Annual Percentage Yield) 0.4%
APY Minimum Balance $0.01

FNBO Direct Online Savings Account Review

FNBO Direct Online Savings Account is offered by First National Bank of Omaha, a bank founded in 1857 and based in Omaha, NE. FNBO Direct Online Savings Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. FNBO Direct Online Savings Account has an annual percentage yield of up to 0.4%, 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 Savings Account 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 savings 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 come with a debit card
  • Higher than average wire transfer fees.
FNBO savings account FAQ

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

Yes, your First National Bank of Omaha savings 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.

Does First National Bank of Omaha offer a signup bonus?

FNBO savings account has a signup bonus of $0.

What is the minimum initial deposit for FNBO savings account?

The minimum deposit to open a FNBO savings account is $1.
FNBO Direct Online Savings Account Minimums
Description
APY Minimum Balance $0.01
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $1

What APY does First National Bank of Omaha offer?

FNBO savings account offers an APY of 0.4% (APY stands for annual percentage yield, rates may change).

The interest rate on a savings account or checking account can change based, in part, on what the Federal Reserve does. Note that the APY of a savings account is the amount of interest you will earn if you keep your money in the account for a full year expressed as a percentage. The difference between an APY and an interest rate is that the APY takes into account how often your money earns interest (or compounds). The more often your money compounds, the more it will earn. Savings accounts with an interest rate that compounds daily, for example, will earn a higher return (and therefore a higher APY) than savings accounts that compound annually.

What fees does FNBO savings account charge?

FNBO savings account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

  • Outgoing domestic bank transfers come with a $15 fee.

What features and perks does FNBO savings account offer?

This savings account includes the following features:

  • Fraud monitoring - FNBO savings account 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 Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - FNBO savings account allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

Can you set up a direct deposit to FNBO savings account?

In most cases, the answer is yes. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

What is the customer support email for FNBO savings account?

The customer support email for FNBO savings account is firstnational@fnbo.com.

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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 Balance to Avoid Monthly Fee Starting at $0
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $1
Early Account Closure $0
International ATM Surcharge $0
Monthly Fee $0
Paper Statement Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Returned Deposit Fee (Domestic) $33
Wire Transfer Fee - Domestic (Outgoing) $15
Bauer Financial A+/A Rating
Account Features
  • No ATM Fees
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Bauer Financial A+/A Rating
  • Member FDIC
APY (Annual Percentage Yield) 0.4%

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