FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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 fees1. A good solution for controlled money management.
- No Overdraft Fees1
- No minimum deposit to open or minimum balance requirement
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
Mobile Wallet
Apple Pay, Google Pay and Samsung3. Set your FNBO cards up to pay digitally.
Mobile Banking
Free. Secure. Anywhere. Access your funds, make deposits, use Zelle®4, pay bills and more. All from your mobile device.
Debit Cards
YOUR STYLE. Whether you’re patriotic, a fanatic or just looking to pay with style, we have the card to match.
Paperless Statements
Save time, reduce clutter and keep your information more secure with Paperless Statements.
Zelle®4
A fast, safe and easy way to send money to friends, family and other people you trust, all while in the FNBO mobile app.
Account Alerts
Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.
-
Follow us
-
1 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).
2 Overdraft Options benefit is not applicable to the Access Debit Checking Account.
3 App Store and the Apple Logo are registered trademarks of Apple Inc. Google Pay and Google Pay Logo are trademarks of Google LLC. All trademarks, service marks, and trade names are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
4 U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
GoBankingRate. (2025, January 2) Best checking accounts of 2025.