Find a checking solution that fits your needs.

Free Checking Account

It's your money, why be charged for using it? That's why we offer a free checking account with no hidden fees.

  • No monthly service fee
  • No minimum deposit to open account
  • No minimum balance requirement

Premier Checking Account

If you have higher account balances, earn interest on your money and get more from your checking account.

  • Earn interest
  • No monthly service fee with an average daily balance of $15,000 in your Checking and/or related deposit accounts
  • Enhanced First National relationship benefits

Access Debit Account

A checking account with no Overdraft fees. A good solution for controlled money management.  

  • No Overdraft Fees
  • No minimum deposit to open or minimum balance requirement
Start Your Review

Feel good about your financial journey.

No matter where you begin, FNBO is with you where you are, by your side, to provide guidance and encouragement along the way. Gain a better understanding of your finances with this simple financial analysis. It takes less than five minutes and you'll receive a personalized report.

Over 55,000 Surcharge-Free ATMs Worldwide

Additional Features

Overdraft Options1

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 SCR).

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.

Twig app on mobile phone

Easy, secure access to your banker with Twig.

Life is busy, we get that. And we don’t always have time to stop into a branch and talk to someone about our accounts – even when we need to. That’s why we developed Twig by FNBO. With Twig, you’ll choose a personal banker who can answer your financial questions: How can I improve my credit score? Am I saving enough? Am I ready to buy a house? These questions will be answered by real people, not bots. And since this happens in our app – you know it’s safe and secure.

  • Pick a banker that gets you
  • Chat with your Twig banker about all your financial questions, we’re here to help!
  • Easy mobile app download in your phone’s app store.

Download Twig by FNBO today and find a personal banker that can support you throughout your financial journey.


    1 Overdraft Options benefit is not applicable to the Access Debit Checking Account.