FNBO Direct Review 2022
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Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances. Any estimates based on past performance do not a guarantee future performance, and prior to making any investment you should discuss your specific investment needs or seek advice from a qualified professional.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Customers can manage the account online or through the bank's mobile app, but not at a branch. The account can be used with Popmoney, a service for transferring funds directly to others.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
There are no monthly service fees on the account, and it requires only $1 to open. FNBO Direct doesn’t reimburse ATM fees incurred at out-of-network ATMs, but it’s part of the Allpoint network, which has more than 55,000 fee-free ATMs. You also won’t pay a fee for stop payments.
FNBO Direct Online Checking Account customers have access to virtual wallets such as Apple Pay and Samsung Pay.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. .
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.Our articles, interactive tools, and hypothetical examples contain information to help you conduct research but are not intended to serve as investment advice, and we cannot guarantee that this information is applicable or accurate to your personal circumstances. Any estimates based on past performance do not a guarantee future performance, and prior to making any investment you should discuss your specific investment needs or seek advice from a qualified professional.
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The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you.Editorial disclosure
All reviews are prepared by our staff. Opinions expressed are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including any rates, terms and fees associated with financial products, presented in the review is accurate as of the date of publication. FNBO DirectFNBO Direct Bank Review 2022
René Bennett is a writer for Bankrate, reporting on banking products and personal finance. Updated November 10, 2022 Bankrate logoThe Bankrate promise
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At a glance
4.3 Bankrate Score Checking Savings About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.Overview
FNBO Direct is best for those who don’t need to write checks out of a checking account and who want an online savings account with a competitive yield.Highlights
Free Checking High APY Compare offers Advertiser DisclosureAdvertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Member FDIC Savings Account 3.00 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min. balance for APY Offer detailsCapital One
Member FDIC Savings Account Details 3.00 % APY Min balance for APY It only takes about 5 minutes to open a fee-free account. Member FDIC Savings Account 3.00 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min. balance for APY Offer detailsCapital One
Member FDIC Savings Account Details 3.00 % APY Min balance for APY It only takes about 5 minutes to open a fee-free account. Member FDIC Savings Account 3.60 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min. balance for APY Offer detailsBask Bank
Member FDIC Savings Account Details 3.60 % APY Min balance for APY 0 Monthly Acct Fees. No Balance Cap to Earn APY.Overall
FNBO Direct is FNBO's online bank. It offers a checking account and a savings account nationwide.Pros
FNBO Direct doesn’t charge monthly maintenance fees on its checking and savings accounts. Both checking and savings accounts earn interest. You need only $1 to open an Online Savings Account or an Online Checking Account. Checking account customers have access to a big ATM network.Cons
FNBO Direct customers can't withdraw funds at an FNBO branch. You can find other online banks that offer higher yields. The checking account doesn’t include checks, which may not be suitable for some consumers. Certificates of deposit and a money market account aren’t available.FNBO Direct bank products
Savings Checking 4.4 Bankrate ScoreFNBO Direct savings overview
FNBO Direct offers a competitive yield on its savings account. Only $1 is needed to open the account, and there’s no monthly service fee. You’ll earn interest on all balances. Interest is credited monthly.Customers can manage the account online or through the bank's mobile app, but not at a branch. The account can be used with Popmoney, a service for transferring funds directly to others.
Pros
The Online Savings Account offers a competitive yield. There is no minimum balance requirement. The Online Savings Account doesn’t have a monthly maintenance fee. You start earning interest on your first penny in the account.Cons
There are limits to how much you can withdraw. For example, you can’t withdraw more than $100,000 on a business day or in a single transaction. The bank’s Next Day Transfer Service is limited to a transfer of $3,000 in a business day, $3,000 in a single transaction or $10,000 in any one month. The fee for an outgoing domestic wire transfer is $15. Compare Offer Advertiser DisclosureAdvertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Member FDIC Savings Account 3.00 % APY Info Bankrate Savings rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Min balance for APY Offer details Offer detailsCapital One
Member FDIC Savings Account Details 3.00 % APY Min balance for APY It only takes about 5 minutes to open a fee-free account. 5.0 Bankrate ScoreFNBO Direct checking overview
FNBO Direct’s Online Checking Account offers a competitive yield. The account doesn’t have a checkbook, but it does allow funds transfers using Popmoney. You can also use bill pay to pay bills online. The account also comes with a Visa debit card for purchases.There are no monthly service fees on the account, and it requires only $1 to open. FNBO Direct doesn’t reimburse ATM fees incurred at out-of-network ATMs, but it’s part of the Allpoint network, which has more than 55,000 fee-free ATMs. You also won’t pay a fee for stop payments.
FNBO Direct Online Checking Account customers have access to virtual wallets such as Apple Pay and Samsung Pay.
Pros
There is no charge for incoming wires. FNBO Direct is part of the Allpoint ATM network and doesn’t charge ATM fees for using an out-of-network ATM. There is no charge for a stop payment. There are no monthly service fees. The account comes with a Visa debit card for purchases.Cons
You can’t use checks with the Online Checking Account. FNBO Direct doesn’t reimburse out-of-network ATM fees that other banks might charge for using their ATMs. Popmoney standard transfers take three business days. Compare Offer Advertiser DisclosureAdvertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Member FDIC Checking Account 2.50 % APY Info Bankrate Checking rating = 5/5 Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. To open To avoid fees Offer details Offer detailsSoFi
Member FDIC Checking Account Details 2.50 % APY To open To avoid feesBank experience
FNBO Direct is an online bank and it doesn’t have any branches. Customers can use Popmoney to transfer money to others. Digital payments from the Online Checking Account can be made with Apple Pay or Samsung Pay. Online accounts are accessible 24/7, and FNBO Direct customers have access to customer service by telephone, though hours of availability aren’t noted on its website. FNBO Direct’s mobile app has received mediocre ratings in the Google Play and Apple App stores.About FNBO Direct
FNBO Direct is the online division of FNBO, formerly the First National Bank of Omaha. Even though FNBO Direct accounts are offered through FNBO, FNBO Direct customers can't withdraw money with an FNBO branch teller. FNBO Direct has two personal accounts, and both earn interest: a checking account and a savings account. They are available to residents in all 50 states. Online Checking Account customers can use the Allpoint ATM network, which includes 55,000 surcharge-free ATMs. FNBO Direct also offers mobile banking and the ability to send person-to-person payments using Popmoney.Review methodology
With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. .