FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Free Checking
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.
Account Summary
- No Overdraft fees1
- 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
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.
Additional Features
Mobile Wallet
Apple Pay, Google Pay and Samsung3. Set your FNBO cards up to pay digitally.
Mobile Banking
Free. Secure. Anywhere. Access your funds, make deposits, use Zelle®4, pay bills and more. All from your mobile device.
Debit Cards
YOUR STYLE. Whether you’re patriotic, a fanatic or just looking to pay with style, we have the card to match.
Paperless Statements
Save time, reduce clutter and keep your information more secure with Paperless Statements.
Zelle®4
A fast, safe and easy way to send money to friends, family and other people you trust, all while in the FNBO mobile app.
Account Alerts
Balance getting low? Upcoming payments? Stay in-the-know with custom alerts.
BankOn Certified
FNBO’s Free Checking is BankOn certified, demonstrating our commitment to our communities to ensure people have access to a safe affordable transactional account.
Feel good about your financial journey.
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)
1 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).
2 Overdraft Options benefit is not applicable to the Access Debit Checking Account.
3 App Store and the Apple Logo are registered trademarks of Apple Inc. Google Pay and Google Pay Logo are trademarks of Google LLC. All trademarks, service marks, and trade names are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
4U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.