Digital Payments

Simplifying the way you pay. When you link your FNBO debit or credit card to a digital payment option, you can shop in-store, in-app or online from the convenience of your mobile device. Learn about the payment platforms we support.

Mobile Wallet

Add your FNBO credit card to your device's mobile wallet (or download your favorite mobile wallet app from your device app store) for a more convenient and safer way to pay. A mobile wallet turns your physical card into a virtual card and retains your card information securely on your mobile device, so you can streamline the payment process at participating stores, in apps and on the web.

Why use a mobile wallet?

  • A mobile wallet increases your card security since a physical card is not present.
  • Simplify the purchasing process at participating stores, in apps and on the web with a tap of your mobile device. No more digging for your card.
  • Limit your checkout wait time with instant purchase transactions recognition. No need to wait for the reader or the chip card to process your payment.
  • Some mobile wallets will fill in your card information and billing information with a tap of a finger when shopping online, saving you time.

Add your FNBO credit card to your device's mobile wallet and other digital payment platforms that we support.

Apple Pay™

Make secure card payments at participating stores, in apps and on the web with supported Apple® devices. Apple Pay makes every day purchasing easy and safer than paying with a physical card.

Add your credit or debit card to Apple Pay:

  1. Open your Apple Wallet on your Apple device
  2. Select the add (+) link in the credit and debit cards section.
  3. Take a picture of your card or enter in your card details manually. For security purposes, your card may require additional verification.
  4. Your card is now ready to use everywhere Apple Pay is accepted.

Make payments with Apple Pay:

  • Look for the Apple Pay or digital payment symbol at checkout.
  • With a store merchant, hold your phone near the merchant's card reader at checkout and authorize your payment with your fingerprint Touch ID™.
  • With a mobile online or app merchant, select the Apple Pay option at checkout and authorize your payment with your fingerprint Touch ID™.

What makes Apple Pay so secure?

Your full card number is never shown to the merchant. The Secure Element in your iPhone stores your account information with enhanced security and never shares the actual account number with the merchant or transmits it with payments.  Learn more about Apple Pay security.

Samsung Pay

Pay almost anywhere you can swipe or tap.  Samsung Pay is designed to make paying with your device quick, secure, and convenient with three easy steps:

  1. Swipe Up: After adding your card to Samsung Pay, swipe up from the home button. Or, select the Samsung Pay app icon from your home screen and tap to launch the app.
  2. Authorize: Authorize payments by simply scanning your fingerprint or entering your PIN.
  3. Hover and Pay: Hover your Samsung device over the in-store card reader. A vibration will let you know payment is being transmitted, and the card reader or cashier will confirm the payment is complete.

Shop Safely

When you use Samsung Pay, your actual card number is never shared with the merchant and it is not stored on your device. Instead each transaction uses a device specific number, which means your transactions remain secure, and your information stays safe.

Visa Secure Remote Commerce (Visa SRC)

A safe, simple and speedy way to checkout online. Breeze through the checkout process when you're shopping online with a single sign-in anytime you see the Visa SRC button SRC Button. No more searching for your card, or entering in your information. 

Get started with three simple steps:

1. Sign Up: Create your free Visa Secure Remote Commerce (Visa SRC) account.

2. Add Your Card: Add your Visa card information to your account.

3. Check Out: Speed up your online checkout process everywhere you see the Visa SRC button SRC Button.

Anytime and anywhere, Visa SRC works across all of your desktop and mobile devices, no matter where you are. So shopping stays convenient, and paying online gets even easier.


Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.

  • Fast- Send money directly from your account to theirs-typically in minutes.
  • Safe- Use Zelle® within the app you already trust. No account numbers are shared.
  • Easy- Send money using just an email address or U.S. mobile number.

Download the FNBO App Today:

Already have our app? Start using Zelle® today to send money to friends and family:

  1. Login to the FNBO app.
  2. Select “Zelle”
  3. Enroll your email address or U.S. mobile number.
  4. You’re ready to start sending and receiving money with Zelle®.