Due to a system issue, customers may experience debit card declines due to incorrect debit card balances.  Correct balances are displayed on our mobile and web applications, and cash withdrawals can be made in branch. This issue will be resolved by Tuesday, 4/23, and 1 am CDT.

Savings

It’s more than a savings account, it’s a peace-of-mind and reach-your-goal account. It’s also hassle free with zero monthly service fees, no minimum balance and no minimum deposit.

Account Summary

  • Earn interest while you save – relationship savings rates are available with an FNBO checking relationship
  • No monthly service fee
  • $0 minimum deposit to open or minimum balance requirement
  • Free online or paper statements

Account Benefits

24-Hour Banking

Access your account 24/7 with free online, mobile and FNBO ATM banking. And, for fast and easy account management, download our FNBO banking app for quick glance balance checks, mobile check deposit, ATM locator and so much more.

Direct Deposit

With direct deposit, checks can be automatically deposited into your FNBO account, at whatever amount you desire. Direct deposit makes saving money simple and easy.

Premium Relationship Rates3

Take advantage of premium relationship savings rates with a paired FNBO Free Checking account. Simply put, it’s another benefit of being a FNBO customer.

Federal Deposit Insurance

FNBO is a member of the Federal Deposit Insurance Corporation (FDIC), which means you can have peace of mind that your deposited account are insured.

Rates

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.

A Guide to Your Savings Account (PDF)

View Deposit Agreement (PDF)

1 Deposit rates may change daily. Fees may reduce earnings.