FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Premier Checking
With an average daily balance of $15,000 or more, start earning interest on your money. If the combined balance between your checking, savings, money market, CD and/or IRA accounts is $15,000 or more, consider upgrading to this account to get the benefit of a higher interest rate.
Account Summary
- Earn interest on your account
- Premium rates on Savings, Money Market, CD and IRA accounts
- No Monthly Service Fee with an average daily balance of $15,000 in your Checking and/or related deposit accounts
- $15 Monthly Service Fee for average daily balances less than $15,000 in your Checking and/or related deposit accounts
- Free Bank Logo Checks
Additional Features
Mobile Wallet
Apple Pay, Google Pay and Samsung2. Set your FNBO cards up to pay digitally.
Mobile Banking
Free. Secure. Anywhere. Access your funds, make deposits, use Zelle®3, 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®3
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.
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.
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.
Important Information
Guide To Your Checking Account (PDF)
*Deposit rates may change daily. Fees may reduce earnings.
1 Overdraft Options benefit is not applicable to the Access Debit Checking Account.
2 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.
3U.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.