CHECKING NOW WITH NO OVERDRAFT FEES.
Fee-less, fearless & free.
Curinos, www.curinos.com, has obtained the data from the various financial institutions that it tracks and its accuracy cannot be guaranteed. Updated: 03/13/2023 05:02 PM. 1Other 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 Overdraft fees
- 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)
- Free Bank Logo Checks
- 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.
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.
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).