- Visit fnbo.com/debit-order
- Fill out form and select your new card under the "Design Category"
- Submit! New cards will arrive in 5-7 business days.
INTRODUCING OUR NEW COLLECTION OF VISA® SPECIALTY DEBIT CARDS.
Free with any FNBO Checking account.
YOUR STYLE. FIND YOUR FIT.
Get your specialty debit card in a few easy steps.
Current Checking Account Holders:
New Checking Account Holders:
- Apply for your FNBO checking account online or in a branch.
- Once you receive your email confirmation your account is opened, visit fnbo.com/debit-order
- Fill out form and select your new card under the "Design Category"
- Submit! New cards will arrive in 5-7 business days.
Benefits of FNBO Free Checking
Why pay for a checking account when you can get one for free?
- No fees or minimums
- No Overdraft fees*
- No monthly service fee
- No minimum deposit to open or minimum balance requirement
New design. Raised detail. Premium finish.
Show your pride, passion or style with every purchase.
Why FNBO?
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)
Current Checking Account Holders:
Log into your mobile app. Select “More” on the bottom right of the screen. Select “Debit Card Designs” and scroll through our designs to select which style you would like. Confirm your order!
New Checking Account Holders:
Apply for your FNBO checking account online or in a branch. Once you receive your email confirmation your account is opened, log into your mobile app. Select “More” on the bottom right of the screen. Select “Debit Card Designs” and scroll through our designs to select which style you would like. Confirm your order!
Apple Wallet
- Open the Wallet app on your iPhone.
- Tap the plus (+) symbol in the top right corner.
- Select "Debit or Credit Card" and tap "Continue."
- Scan your card using your iPhone's camera, bring your card close to your phone or enter the card details manually depending on your type of phone.
- Follow the on-screen instructions to verify your card with your bank. This might involve receiving a verification code via text or email.
- Once verified, your card will be added to your Apple Wallet, and you can start using it with Apple Pay.
Google Wallet
- Open the Google Wallet app on your phone.
- Tap "Add to Wallet" at the bottom right.
- Select "Payment card" and then "New credit or debit card."
- Enter your card details manually, use your phone's camera to scan the card bring your card close to your phone depending on your type of phone..
- Tap "Save and continue" and read the issuer terms.
- Accept the terms and follow any additional verification steps required by your bank.
- Once verified, your card will be added to Google Wallet, and you can use it for contactless payments.
Yes. The card lock/unlock feature provides convenient, self-service control of your account if you have temporarily misplaced your card or if, for a limited period of time, you want to prevent your card from being used.
- When I lock/unlock my card, when will the change take effect?
Immediately - What happens when I lock my card?
- We will send you a confirmation email when the card is locked or unlocked.
- We will send an email notification if a declined transaction occurs as a result of the card being locked.
- Locking your card will prevent it from being used for new purchases, ATM withdrawals, and online purchases from merchants that have the card on file.
- To avoid service interruptions, locking your card will not stop recurring transactions (such as subscriptions and gym memberships) that the merchant designates as recurring transactions. Please note that we do not control how merchants choose to designate these transactions.
- If you’ve added your debit card to a digital wallet, you can still make digital wallet purchase in stores, merchant apps, and online while your card is locked.
- What if the lock/unlock feature is not available on my card?
The lock/unlock feature is only available to the card owner. If you don’t see the lock/unlock control, you don’t have access permissions to use this feature. - What happens when someone tries to use my card when it’s locked?
We will send you an email letting you know that a transaction has been declined. - What should I do if I see a fraudulent charge on my card?
Report the fraudulent activity – call 800-642-0014.
Yes! FNBO’s debit cards have the contactless feature available with our debit cards. Just tap to pay at participating merchants to securely process your transactions in seconds.
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).