Stop by one of our local FNBO branches and open a new Free Business Checking account. Remember to tell the banker promo code 250BIZ to get your bonus.
Easy as 1, 2, 3! Make sure to use promo code 250BIZ when opening.
Open
Deposit or Use
Deposit $1,000 in deposits OR complete 10 debit card transactions in 31 days from account opening.
Complete!
Your bonus will be deposited within 31 days.
Make managing your money simple - because running your business is complicated enough.
Benefits of an FNBO Free Business Checking
- Unlimited transactions
- No monthly maintenance fees
- No minimums
- 24/7 account access
- Nearby branch locations
- Professional advice and guidance
Additional Features
Account Alerts
Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.
Why FNBO?
FNBO, an independent bank committed to your confidence and best interest. It's been our recipe for success for more than 165 years.
Offering savings solutions to meet your financial goals
More than 165 years of putting customers first
FDIC Insured
Independent and family led
Frequently Asked Questions (FAQs)
No, this promotion allows you to either do $1,000 deposit in 31 days OR use your debit card 10 times. This allows you to use your account how you want.
Yes! Use promo code 250BIZ when talking to the banker. Don't forget to make your $1,000 in deposits or use your debit card.
The Free Business Checking account has unlimited transactions, with no fee associated with it. That means you can use this account how you want to best fit your business.
*Business Checking:
Get a $250 cash bonus offer when you open a new FNBO Free Business Checking Account and:
- Have qualifying deposit(s)of $1,000. A qualifying deposit(s) is defined as new money2. To receive the bonus offer, a minimum qualifying deposit(s) totaling $1,000 must post to your Free Business Checking account within 31-day of the account open date. Transfers from a bank or brokerage account do not constitute as a deposit(s). The $250 bonus offer will be credited to your account with $1.00 at time of account opening and $249.00 within a 31-day period once the bonus offer requirements are fully met and the account is open and in good standing1 only. Accounts must be open by 08/15/2025 to be eligible.
OR - Complete 10 or more qualifying debit card purchases that post and clear the account within 31 days of account opening date. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments within a 31-day period of the account being opened. The $250 bonus offer will be credited to your account with $1.00 at time of account opening and $249.00 within a 31-day periods once the bonus offer requirements are fully met and the account is open and in good standing1 only. Accounts must be open by 08/15/2025 to be eligible.
The Free Business Checking Bonus Offer will be credited to your account within a 31-day period from the date we receive your total qualifying deposit(s) or qualifying debit card purchases1,2. The account must be open and in good standing1 to receive the bonus offer.
Account bonuses are subject to IRS reporting and will be reflected on a 1099-INT statement.
The customer is responsible for providing the received promo code “250BIZ” (not case sensitive) to a banker at time of account opening. Failure to do so may result in not receiving the bonus offer.
The account must be open and in good standing1 to receive the bonus offer. Offer valid only in FNBO branded branches in CO, IA, IL, KS, NE, SD, TX, and WY. Offer valid for new Free Business Checking customers, one new account and limited to only one opening bonus offer. A new Free Business Checking customer is defined as an applicant who does not have an open Free Business Checking, Premium Checking or Analyzed Checking account at the time of the campaign launch of 02/28/2025. FNBO has discretion to determine what constitutes a new Free Business Checking customer. Accounts must be open by 08/15/2025 to be eligible.
1Good standing means that your account is not closed, negative or otherwise in default under the terms of any agreements you have with us, including these terms and conditions at time of receiving the bonus offer.
2New money not currently or previously held in any account at FNBO or FNBO Direct.