Why pay for a checking account when you can get one for free? Open a free checking account today from FNBO. No overdraft fees, no minimums, no monthly fees.
Visa® Debit Cards are available on all checking accounts, providing the purchasing power you need.
Shop faster online with pre-entered card and address information with Visa Remote Commerce (Visa SCR).
Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.
With free online BillPay, set up payments on a one-time or recurring basis. It's quick and easy.
No matter where you begin, FNBO is with you where you are, by your side, to provide guidance and encouragement along the way. Gain a better understanding of your finances with this simple financial analysis. It takes less than five minutes and you'll receive a personalized report.
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).