Questions, related to the new look of our Online Banking? View our FAQ section.

Personal Banking Online FAQs

If we fail to complete a payment or transfer in time or in the correct amount according to the   Online Agreement (Section 7), we are liable for your losses or damages. However, there are some exceptions. We are not liable if: (1) through no fault of ours, you don't have sufficient funds in your account to make the transfer; (2) the funds are subject to legal process or other encumbrance restricting a transfer; (3) the transfer exceeds the credit limit on your line of credit; (4) there is a technical malfunction which is known to you at the time you attempt to initiate the transfer or, in the case of a recurring transfer, at the time the transfer should have occurred; (5) circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we take. In no event are we liable for more than actual damages proved if any failure of ours was unintentional and resulted from a bona fide error, notwithstanding the maintenance of procedures reasonably adopted to avoid such an error.


This does not mean that we accept liability for other circumstances resulting in transfers not being made or completed on time. For example, we are not responsible for delayed or failed transfers if: (1) you fail to use the Services properly in accordance with this agreement and any online or other instructions supplied in connection with the Services; (2) you don't request the transfer and schedule the payment date sufficiently in advance of the due date for the obligation you are paying; (3) you exceed applicable restrictions on the number, amount or frequency of transfers; (4) you fail to supply accurate information with regard to the persons you wish to pay (e.g., name, address and account number); (5) the person you wish to pay or their bank mishandles or delays posting the payment; (6) your computer or software fails to operate correctly, or your instructions are lost or delayed in transmission to us; (7) a bona fide security consideration causes us not to make the transfer (e.g., your PIN or password has been reported lost or stolen; we have reason to believe a transfer is unauthorized; or the transfer would violate other security restrictions in our system); or (8) your relevant deposit account is closed, or services hereunder have been terminated or suspended.

You will not be able to set up a recurring payment for those bills. You will have to initiate a new payment to that merchant each month

If you do not have the funds to cover the amount of the scheduled payment, the payment may not be made and an insufficient funds fee will be charged to your account.

You can transfer funds to and from any savings and checking accounts on which you are an authorized owner. Plus, you can make payments to your line of credit, mortgage and installment loans, and FNBO credit card accounts. You may also transfer funds to other customers of FNBO provided you know the customer's account number.

Some accounts, such as checking accounts, have no limit on the number of transfers you can make. However, savings and money market accounts are restricted on the number of withdrawals or transfers per month. Please review your account disclosures for such limitations. If you have any questions, contact us.

Yes. If you would like to transfer funds from a FNBO account to an external account, our online BillPay system offers this capability.

To change your email address(es), login to your account and go to the Profile section of the site.

At the end of each business day, when the account alerts are generated, the last payment that posts to your loan account will be the payment amount that is reflected on your alert. If there were multiple payments made, or if the loan payment(s) were split between principal and interest, the alert amount may not match the amount of the payment you made. It is recommended that if your alert does not match the amount of your last payment, that you log in to our secure web site to view your loan account history.

Each time you receive a new message, an email will be sent to your personal email address notifying you of the new message. Log in to online banking and click on Contact Us to access the Online Message Center where you will be able to view your new message.

It is our goal to respond to all messages within a reasonable amount of time. If you haven't received a reply within the designated amount of time, please resend the message or call our customer service representative.

When you delete a message, the message is no longer available in the Online Message Center but remains on our system for a period of 1 year.

For your security, every customer should have a unique User ID.

Your Personal Identification Number (PIN) is a security code that allows FNBO to verify that a request to access your account is authorized by you. Your confidential PIN prevents unauthorized use and ensures complete security when making transactions on your accounts.

Once you log in to the website, you can request a PIN change for your credit card and Visa® Debit Card/ATM card. First, click the "Services" tab on the top navigation tabs. Second, on the left side navigation, click "+Credit Cards Account Services" to update a Credit Card PIN or "+Deposit Account Services" to update a Debit Card PIN. Finally, Click "PIN Request"

No, when you sign up for Paperless Statements you will not receive a paper statement in the mail. If you would like to continue to receive your paper statement, and you would also like to receive an email notifying you when your new account information is available to view online, you can sign up for the Statement Information Available email alert in the Manage Alerts section of the site.

Yes, you can choose to send your paperless statement notifications to up to two email addresses per account.

At any time you can return to paperless statements in the Accounts section of the site and choose Manage Statements to turn paperless statements on or off.

You will begin to receive paperless statements and stop receiving paper statements with your next statement cycle. If your statement has recently cycled, you may receive one last paper statement before electronic statements begin.