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Up to $500 Cash Bonus!

New FNBO checking and savings customers who open an account in branch or online with promo code JOIN, earn up to $500.*

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New Customers Only

Up to $300 BONUS

After you open an FNBO Checking account with qualifying direct deposit.

+

Up to $200 BONUS

After you open an FNBO Savings account following the checking account on the same business day, deposit a total of $3,000 or more and maintain a balance of $3,000 for 90 days from account opening.

Follow these easy steps.

Open Your Checking Account

Open an FNBO Checking account by October 17, 2022 using the promo code JOIN. You'll see your $50 opening bonus within 30 days of opening your new account.

Open Your Savings Account

Open an FNBO Savings account the same day as your checking. You'll see a $10 opening bonus within 30 days of opening your new account.

Checking Direct Deposit

Set up and receive qualifying direct deposits in your new checking account. Remember direct deposits totaling $500 must post to your account three 31-day periods in a row.

Checking Direct Deposit Bonus Time

Your $250 bonus will be deposited into your new checking account. You'll see the bonus within 30 days of your third qualifying direct deposit.

Savings Bonus Time

Your $190 bonus will be deposited into your new savings account when you maintain a $3,000 balance for 90 days and you meet the checking account qualifications. You'll see the bonus within 30 days of when qualifications are met.

See Important Bonus Details Below.
An image of our checking comparison chart - click here to view your location

Informa Research Services, www.informars.com, has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed. Updated: 07/18/2022 04:49 PM.  4 Other bank and ATM operators' surcharges may apply.

Free Checking

With our Free Checking, there are no hidden fees and no hoops to jump through. Just simple, flexible checking for the modern pace of life. Access your accounts anywhere for free with our mobile app.

Account Summary

  • No monthly service fee
  • No minimum deposit to open or minimum balance requirement
  • No ATM fees from us (other banks and ATM operators' surcharges may apply)4
  • Free Bank Logo Checks
  • Overdraft Forgiveness┬« - One Overdraft forgiveness every 12 months5
  • Free statements - online or paper
  • Free cashier's checks, incoming wires and stop payments

Additional Features

Overdraft Options

It's important to be prepared, even when unexpected expenses arise.

Debit Cards

Visa® Debit Cards are available on all checking accounts, providing the purchasing power you need.

Apple PayTM

Make payments with your Apple device at hundreds of stores.

Visa SRC

Shop faster online with pre-entered card and address information with Visa Remote Commerce (Visa SRC).

Samsung Pay

Pay almost anywhere you can swipe or tap.

Online Banking

Manage and organize your finances 24/7.

Paperless Statements

Save time and reduce clutter by receiving statements via email.

Account Alerts

Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.

Automatic Payments

With free online BillPay, set up payments on a one-time or recurring basis. It's quick and easy.

Bonus Details

*Checking:

The $50 new checking account opening bonus will be credited to your account within 30 days of account opening.

The $250 direct deposit bonus will be credited to your account within 30 days of the date we receive your qualifying direct deposits.* Qualifying direct deposits must be received within 124 days of the account being opened and the account must be open to receive the bonus.

Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement.

The customer is responsible for entering the promo code “JOIN” (not case sensitive) during online account opening or mention the promotion to a banker.

The account must be open to receive a bonus. Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, and TX. Offer valid online in CO, IA, IL, KS, NE, SD, TX, MO, and limited areas of WI and WY. Offer valid for new checking customers on one new account and limited to only one opening bonus and direct deposit bonus. A new checking customer is defined as an applicant who does not have an open Access Debit, Free Checking, or Premier Checking account at the time of campaign launch. FNBO has discretion to determine what constitutes a new checking customer. Accounts must be open by 10/17/22 to be eligible.

*A qualifying direct deposit is defined as a deposit, such as a customer’s salary, pension, Social Security, or other regularly monthly income, electronically deposited through the Automated Clearing House (ACH) network to this checking account by your employer or an outside agency. To receive the bonus, a minimum qualifying direct deposit or deposits totaling $500 must post to your checking account for three (3) consecutive 31-day periods for a total of $1,500, or through a minimum of nine (9) credits posting to your checking via a debit card transaction for a minimum of $500 for three consecutive 31 day periods for a total of $1,500. The deposits must post to your account within 124 days of account opening. Transfers and/or deposits made via ATM, online or teller, and transfers from a bank or brokerage account do not constitute a credit or direct deposit.

*Savings:

Savings account must be opened the same day as the checking account. $10 opening bonus will be applied within 30 days of account opening. Savings account must be a Basic Savings, Savings, or Premier Savings product type. Ownership roles must match between the checking and savings accounts.

Offer valid for new savings customers on one new account and limited to only one opening bonus and one secondary bonus. The savings product opened directly after the new checking will be considered for eligibility. Subsequent savings products opened will not be considered for eligibility. A new savings customer is defined as an applicant who does not have an open Basic Savings, Savings, or Premier Savings account at the time of campaign launch. FNBO has discretion to determine what constitutes a new savings customer.

The $190 bonus paid to the savings account will only be available once the checking account qualifications have been met and all bonuses paid out. Additionally, an average daily collected balance of at least $3,000 must be maintained in the savings account for 90 days from account opening. The $190 bonus will be paid to the savings account within 30 days of meeting all requirements.

Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement.

The customer is responsible for entering the promo code “JOIN” (not case sensitive) during online account opening or mention the promotion to a banker.

The savings account must remain open to receive the bonus. Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, and TX. Offer valid online in CO, IA, IL, KS, NE, SD, TX, MO, and limited areas of WI and WY. Offer valid for new savings customers on one new account and limited to only one opening bonus and secondary bonus. Accounts must be open by 10/17/22 to be eligible.

Texas1

Product

APY

Basic Savings

.02%

Savings2

.05%

Premier Savings3

.10%


All other Markets1

Product

APY

Basic Savings

.02%

Savings2

.04%

Premier Savings3

.08%

 

1APY stands for Annual Percentage Yield and is accurate as of 8/15/22. Rates are subject to change. Fees may reduce earnings.

2 Requires a Free Checking, Access Debit Account, or Customer First Complete Checking relationship

3 Requires a Premier Checking, First At Work Free Checking, or Customer First Classic Checking relationship


4 Other bank and ATM operators' surcharges may apply.

5 If you are eligible for Overdraft Item Fee Forgiveness at the time of your occurrence, the fee will be automatically waived. Overdraft Forgiveness will waive one Overdraft Item fee every 12 months from the date of your last automatic refund. For example, if an Overdraft Item fee is automatically waived on January 1st of this year, your next eligibility date would be January 1st of the following year.

Once your allotted Overdraft Forgiveness is used, normal overdraft fees will be charged. Our Overdraft Item Fee is $20 per item (max 4 per day). We will not charge this fee if your balance is overdrawn by $20 or less or the transaction overdrawing your account is $20 or less.

The payment of transactions into overdraft is discretionary and we reserve the right to not pay. Generally, we do not pay overdrafts if you are not making regular deposits, or you have excessive overdrafts, or based on your account history and how you maintain your account. We may change your overdraft privileges due to poor account management.

We may pay overdrafts for checks and other transactions using your account number and for automatic bill payments (ACH and recurring debit transactions), and if you give us permission, we may authorize and pay overdrafts for ATM transactions and everyday non-recurring debit transactions (individual debit card purchases such as grocery store or one-time online purchases). Our expectation is you bring your account to a positive balance immediately (including payment of all bank fees and charges).