FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Why FNBO Free Checking?
- 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
- Safe deposit box discount
- Relationship rates on savings, money market, CD and IRA accounts
YOUR STYLE.
Whether you're patriotic, a fanatic or just looking to pay with style, we have the card to match.
ONE THAT'S FREE.
Every year, Americans pay an average of $311 in banking fees.1
You don't have to be one.
FNBO Free Checking lets you keep your money, giving you more to do what you want.
ONE THAT'S FREE.
The average checking account charges over $162/year in maintenance fees.2
Not here.
At FNBO, your money stays yours — so you can spend it where you want.
ONE THAT'S SIMPLE.
More than 50% of in-person transactions in the U.S. are tap-to-pay.3
We make it easy.
FNBO helps you save time with contactless payments from your card or digital wallet.
ONE THAT'S CAPABLE.
80% of consumers prefer a fully digital banking experience.4
We got you.
FNBO Free Checking lets you deposit checks and manage your money right in the app.
ONE THAT'S CAPABLE.
55% of bank customers prefer the ease of mobile banking.5
We got you.
At FNBO, you can bank your way — in the app, online or at 100+ branch locations.
ONE THAT'S SECURE.
Americans lost $47 billion to scams and identity fraud in 2024.6
We're in your corner.
FNBO security, encryption and firewall safeguards ensure your money stays safe.
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Easy access to your money
Get access to your money anytime and save with the confidence of first-class online security.
No monthly service fees or minimum balance requirements
No fees means no fuss.
Free account benefits
Utilize online banking, BillPay, account alerts, and our mobile app to make saving a breeze.
FDIC Insured
Being a member of the FDIC means you can have peae of mind that your deposit accounts are insured.
FAQs
No monthly maintenance fees apply to the free checking account. There are no balance requirements or direct deposit requirements to maintain the free status.
There is no minimum balance requirement to maintain the account. No minimum deposit is required to open the account.
You can open an account online at fnbo.com, through the mobile app, by phone at 1-800-642-0014, or by visiting any FNBO branch. You'll need a government-issued photo ID, Social Security Number, and contact information.
Your debit card typically arrives within 7-10 business days after account opening. If you order checks, they generally arrive within 10-14 business days.
Yes, you can open a joint free checking account. Both applicants need to provide identification and sign the account agreement. This can be done during initial account opening or added later.
No fees for using FNBO ATMs. Access to over 55,000 surcharge-free ATMs nationwide through the Allpoint® network. Out-of-network ATMs may charge fees not reimbursed by FNBO.
Your employer and merchants typically only need the routing number and account number you would like to set up your direct deposit or automatic payments.
Yes, optional overdraft protection or services are available by linking your checking account or line of credit. We offer several options and recommend calling or stopping by one of our branch locations to discuss what option work best for you.
Minors under 18 cannot open a free checking account independently. Parents/guardians can open a joint account with a minor who is at least 13 years old.
Mobile Banking
On-the-go banking for your on-the-go life.
- Stay on top of your account with account alerts
- Access paperless statements anytime, anywhere
- Deposit checks quickly and securely from your phone
- Add your cards to a mobile wallet for fast, contactless payments
- Move money in minutes with Zelle®9
- Instantly lock or unlock your debit and credit cards for added security
- Keep an eye on your credit health with free access to your FICO® Score
Financial Tips
BankOn Certified
FNBO’s Free Checking is BankOn certified, demonstrating our commitment to our communities to ensure people have access to a safe affordable transactional account.
ONE THAT'S FREE.
Why pay for a checking account when you can get one for free? No overdraft fees, no minimums, no monthly fees.
Guide To Your Checking Account (PDF)
* 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).
1 Payments and bank fees: an $82b balancing act, EY Parthenon, ey.com, 2024
2 Checking Account Fees 2025 Survey Shows Higher Fees Can Be Avoided, MoneyRates, moneyrates.com, 2025
3 Visa: 80% of Face-to-Face Transactions Internationally Are Tap to Pay, PYMNTS, pymnts.com, 2024
4 8 Out of 10 Consumers Prefer Full Digital Banking Experience, Yet Some Are Left Short-Changed, Onfido, entrust.com, 2024
5 National Survey: Record Number of Bank Customers Use Mobile Apps More Than Any Other Channel to Manage Their Accounts, American Bankers Association, aba.com, 2024
6 Identity Fraud and Scams Cost Americans $47 Billion in 2024, AARP
7 Overdraft Options benefit is not applicable to the Access Debit Checking Account.
8 App Store and the Apple Logo are registered trademarks of Apple Inc. Google Pay and Google Pay Logo are trademarks of Google LLC. All trademarks, service marks, and trade names are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
9 U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
2025 GoBankingRate. (2025, January 2) Best checking accounts of 2025. https://www.gobankingrates.com/
From Forbes © 2025 Forbes Media LLC. All rights reserved. Used under license.
ONE THAT'S FREE.
Every year, Americans pay an average of $311 in banking fees.1
You don't have to be one.
FNBO Free Checking lets you keep your money, giving you more to do what you want.
Our Difference
ONE THAT'S FREE.
The average checking account charges over $162/year in maintenance fees.2
Not here.
At FNBO, your money stays yours — so you can spend it where you want.
ONE THAT'S SIMPLE.
More than 50% of in-person transactions in the U.S. are tap-to-pay.3
We make it easy.
FNBO helps you save time with contactless payments from your card or digital wallet.
ONE THAT'S CAPABLE.
80% of consumers prefer a fully digital banking experience.4
We got you.
FNBO Free Checking lets you deposit checks and manage your money right in the app.
ONE THAT'S CAPABLE.
55% of bank customers prefer the ease of mobile banking.5
We got you.
At FNBO, you can bank your way — in the app, online or at 100+ branch locations.
ONE THAT'S SECURE.
Americans lost $47 billion to scams and identity fraud in 2024.6
We're in your corner.
FNBO security, encryption and firewall safeguards ensure your money stays safe.
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- 4
- 5
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