Checking and payment solutions designed to elevate your growing business.

FNBO Business Mobile App

Premium Business Checking

As your business grows, so should your checking account solution.

Get more out of your business checking account with 300 free transactions every month ($0.25 per item thereafter). Plus, receive a variety of money-saving discounts and services. With supplementary free transactions each month, get the purchasing power you need to get down to business, without fees.

Account Summary

  • 300 free transactions per month ($0.25 per item thereafter)
  • $10 monthly maintenance fee; waived with an average daily balance of $5,000 in checking or $15,000 in all related business deposit accounts*
  • Earn interest, where applicable*
  • Free First National Visa® Business Debit Card
  • Bonus business savings and money market rates*
  • Premium CD rates*
  • Free Online Banking, BillPay and Accounts Alerts


Say Hello to Clover®

We understand when it comes to accepting payments every business is unique. That’s why we proudly offer the full line of Clover® merchant solutions to complement the needs of your business and customers.

Clover® offers reliable hardware and support so you can do more. With free hardware shipping, easy setup, and 24-hour service and technical support, you’ll be ready to accept a wide variety of payment types that meet the needs of your business.

  • Clover® eCommerce: Help grow your business online.
  • Clover® Go: Accept payments anywhere
  • Clover® Flex: Take payments beyond the counter
  • Clover® Mini: Small and mighty POS system
  • Clover® Station: Clover® Station takes smart POS terminal to a new level.

PayMaker Advanced

It’s time to advance your account payables and receivables.

Pay bills and get paid with speed, efficiency and security from a single, secure payment dashboard. PayMaker Advanced is fit for businesses that have more than one person dedicated to bill payments and invoicing. Whether you or an employee simply needs to make quick payment, or if your payment process is more complex and involves multiple employees, PayMaker Advanced can support your unique needs.

  • Robust online payment dashboard for multiple users with customized permissions
  • Pay vendors by check or ACH directly, on terms, or setup auto pay
  • Electronically invoice customer with customized templates
  • Create payment email reminders for customers
  • Get paid by ACH, credit card, auto charge and allow customers to setup auto payment.
  • Integrate directly with QuickBooks Online, QuickBooks Pro/Premier, and Xero.

Important Information:

A Guide to Your Checking Account (PDF)

View Deposit Agreement (PDF)

*Refer to account disclosure and/or rate sheet for details on fees and interest, or contact a Banker for details including eligibility.

©2021 Clover Network Inc. The Clover name, logo and related trademarks are owned by Clover Network, Inc., and are registered or used in the U.S. and many foreign countries. Merchant services are provided by First Data Merchant Services LLC dba Clover Business Solutions. EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. Apple Pay is a registered trademark of Apple, Inc. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.