FNBO Community Association Banking Logo

We know that your customers are your top priority, and that’s why you’re ours. With Community Association Banking at FNBO, you can expect holistic solutions, industry expertise and a dedicated team. 

Banking Solutions for Community Associations 

Put your deposits and reserves to work for your association

Money Market

Earn a higher interest rate when you carry a minimum balance. This account gives you easy access and flexibility to your funds.

$25K Money Market

Earn more from your money when you choose the $25k Money Market Account. Earn a higher interest rate when you carry a daily balance of at least $25,000.

Account Summary

  • $0 minimum deposit to open an account
  • Maintain a daily balance of $25,000 to avoid $25 account maintenance fee
  • Two free withdrawals per cycle, $25 for each additional
  • Free bank logo checks

Free Business Checking

With no minimum deposit to open, no minimum balance requirement and unlimited transactions, FNBO Free Business Checking is designed for the small business that values flexibility and cost-control.

Account Summary

  • Unlimited transactions
  • No minimum balance
  • No monthly maintenance fee
  • No return item fees
  • Free Online Banking and Account Alerts

Business CDs

Competitive interest rates for a variety of terms to save and grow your reserves.

Business Certificates of Deposit (CDs)

Account Summary

  • Minimum deposit of $500
  • Wide range of terms available- 91 days to 12 months
  • Interest compounded daily and paid according to the CD you choose
  • Automatic CD renewal1
  • Option to withdraw funds at maturity2

Insured Cash Sweep (ICS)

With IntraFi Cash Services (ICS)3, you can benefit from the safety that comes with access to multi-million-dollar FDIC insurance through a single bank relationship.

How does ICS work?

FNBO, like other institutions that offer ICS, is a member of the IntraFi network. When we place your deposit through ICS, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The amounts are then placed into deposit accounts at multiple FDIC-insured banks. As a result, you can access FDIC coverage from many institutions while working directly just with us. Receive one statement from our bank and access key details about your accounts online, 24/7.

Insured CDs

Insure cash deposits over $250K without having to manage multiple banking relationships. Utilize an interest-bearing CD with an FNBO account within the IntraFi network.

Certificate of Deposit Account Registry Service (CDARS®)

By leveraging CDARS®, you can access multi-million dollar FDIC insurance on Certificates of Deposits (CDs).

How does CDARS® work?

Institutions that offer CDARS® are members of the IntraFi network. When a member institution places your deposit through CDARS®, that deposit is divided into amounts under the standard FDIC insurance maximum of $250,000. The funds are then placed into deposit accounts at other network banks. As a result, you can access FDIC coverage from many institutions while working directly with just ours. Receive one statement from our bank detailing all your CDARS® placements. 

Lending solutions that fit your assocation's needs


Improve your community

  • Clubhouse
  • Pool
  • Playground
  • Courts



Improve your structures by repairing or replacing:

  • Roads, sidewalks, and parking structures
  • Building Envelopes: roofs, siding, windows, and parapet walls
  • Decks and balconies
  • Common grounds
  • Re-piping / risers
  • HVAC, boilers and cooling towers
  • Elevators
  • Electric vehicle charging stations

Contact our Community Association Banking Advisors

Why choose FNBO?

FNBO is the great big, small bank...
We demonstrate an Uncommon Understanding of our customers by delivering personalized and digitally intelligent experiences for their business. We celebrate longstanding relationships with our clients and through it all, we honor and recognize the value of the handshake in everything we do.


165+ Years

With over 165 years of banking with integrity, you can trust the stability and reputation of our strong capital position. 

Independently Owned

By remaining fiercely independent and family-owned, we make decisions based on what's best for our customer. Always. 

Customer First

We are committed to the success of customer and treat your business like our own.

A Guide to Your Checking Account (PDF)

A Guide to Your Money Market Account (PDF)

View Deposit Agreement (PDF)

1 CD accounts will automatically renew at maturity. You will have 10 calendar days after the maturity date to withdraw funds without penalty. This account will not renew if you withdraw the funds on the maturity date or if we receive written notice from you on or before the maturity date of your intention not to renew.

2 You will be notified at maturity; a penalty may be assessed for early withdrawal.

3 When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS, our bank can use the full amount of a deposit placed through ICS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending. Deposit placement through CDARS or ICS is subject to the terms, conditions, and disclosures in applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through CDARS or ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds.