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Free Checking Account

No monthly fees. No minimums. We really mean free.

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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.

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)
  • Free Bank Logo Checks
  • Overdraft Forgiveness┬« - One Overdraft or Return Item Fee forgiveness every 12 months*
  • 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.

News About Overdraft and Return Item Fees

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.

If you have questions or concerns about this update you can stop in and see a banker at your favorite FNBO branch, or call us at: 1-800-642-0014.

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.

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).