FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Get a free Visa® Debit Card with every checking account.
Our debit cards are available with any of our Checking Accounts and have no monthly service fees, no transaction fees and no annual fee.
Visa® Debit Card
- Make up to $10,000 in purchases per day (provided adequate funds are available)
- Make up to $1,000 in cash withdrawals per day from any ATM (provided adequate funds are available)1
- Visa's Zero Liability2 when you use your Visa Debit Card to make purchases
- With the Evergreen™ Visa Debit Card, you can access your money for every purchase, every day, everywhere.
ATM Card
- 24/7 access to the cash in your checking or savings account at any ATM worldwide
- Up to $600 in cash withdrawals per day from any ATM (provided adequate funds are available)1
- ATM withdrawal amounts are automatically deducted from your checking or savings account
Introducing our NEW collection of debit cards.
Whether you're patriotic, a fanatic or just looking to pay with style, we have the new debit card designs to match. Raised detail. Premium finish. Free with any FNBO checking account.
YOUR TEAM.
Level up and show your team pride every time you pay with our dynamic Visa® debit fan cards—free with any FNBO checking account. New designs. Raised detail. Premium finish. Plus, free checks with a university logo.
Free Checking
With our Free Checking, there are no hidden fees and no hoops to jump through. Just simple, flexible checking for the modern pace of life. Access your accounts anywhere for free with our mobile app.
Account Benefits:
- 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
* 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).
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Visa Platinum Debit Card - Guide to Benefits (PDF)
1 A surcharge may be assessed by the financial institution that owns the ATM.
2 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.