As one of the country’s largest independently owned banks, FNBO is uniquely positioned to help businesses, big and small, navigate rapid change, manage risk and plan for the future. With six generations of family leadership, over 100 national locations, over $30B in assets, and the stability of a 165+ year institution, we bring national resources with local approachability and decision-making.

FNBO is committed to achieving your vision for your organization. Put our thought leadership and investments in technology and security to work for you behind the scenes so you can focus on what really matters - growing your business. With a full suite of commercial banking products and services and a team of experts to take the guesswork out of managing your assets, we're with you for the long term.

We are a full-service bank with access to all the financial tools you need to run your business. Some of our products include: Liquidity management tools like business checking and money market accounts, insured cash sweeps, information reporting, and cash flow management; Lending solutions such as loans and lines of credit; Payments products to help to accept and send funds such as merchant services, international transactions, Accounts Payable (AP) and Accounts Receivable (AR) tools to scale with your business, fraud protection tools, and various commercial credit cards; and Investment services.