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01 Welcome to FNBO.

Consider this a friendly, digital handshake from all of us at FNBO. We look forward to demonstrating what makes us different through service, dedication and expertise.

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02 We’re the great big small bank.

Big bank stability and strength. Small bank beliefs in doing what’s right for you and your community. We don’t fit the mold, but we wouldn’t have it any other way.

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03 Let your financial journey begin.

This is more than setting up an account. It’s about the next steps in your financial journey; setting goals, thinking big and looking at your future with a smile.

Welcome to your account set-up guide.

Get the most out of your new account by activating all key features. This is the start of managing your money with ease.

Track Your Progress

Download the full Checklist.

Download Checklist

Switching Banks?

Download our Switch Kit Checklist.

Download Switch Kit

Get to know FNBO.
The great big small bank.

Mobile Banking Services
Online Banking Services
BillPay Services
Funding Your FNBO Account
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Download our mobile
banking app.

This is your mobile branch for check deposits, account transfers, payments and more.


Introducing Cashology®
Financial wellness know-how.

From personal budgeting and teaching your kids to save, to all the aspects of family finances, Cashology can help make money management easier.

What our customers are saying
If you are looking for a bank that treats you like a friend, this is the bank for you
Jeff, DeKalb, Illinois
With 55,000 ATMs in our network, there’s one near you.

About FNBO.
The great big small bank.