Curinos, www.curinos.com, has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed. Updated: 04/20/2022 10:01 AM. 1Other bank and ATM operators' surcharges may apply.
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FNBO is proud to announce today that we are removing Returned Item fees and reducing Overdraft fees from $33 to $20. This change in fees continues the longtime commitment to walk along customers as they achieve financial wellbeing. Customers do not need to take any action as this update will be automatically applied.
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.
* 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 or Return Item Fee 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).