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finder.com’s rating: 4.2 / 5.0
★★★★★
This interest-bearing checking account comes with free wire transfers and no maintenance fees, but lacks check-writing privileges and the in-person support found in brick-and-mortar branches.
$0 per month
Fee
0.65%
APY
$1
Minimum deposit to open
APY | 0.65% on balances of $0.10+ |
---|---|
Fee | $0 per month |
Minimum deposit to open | $1 |
ATMs | Allpoint’s 55,000 ATMs nationwide |
ATM transaction fee | $0 |
Overdraft fee | $33 |
Review by
Shannon Terrell is a writer for Finder who studied communications and English literature at the University of Toronto. On any given day, you can find her researching everything from equine financing and business loans to student debt refinancing and how to start a trust. She loves hot coffee, the smell of fresh books and discovering new ways to save her pennies.
The FNBO Direct Online Checking account is best for those looking for an interest-bearing checking account. It earns interest and offers free person-to-person PopMoney payments.
But it’s an online bank, so it lacks in-person support.
Review and confirm your submitted information. Then, read FNBO Direct’s online account disclosures and terms and conditions.
Make a deposit of at least $1 to fund your FNBO Direct Online Savings account. You can make a deposit by electronic funds transfer or by mailing a personal check to:
FNBO Direct
PO Box 3707
Omaha, NE 68103-0707
Your FNBO Direct Visa Debit card should arrive by mail within seven to 10 business days.
Before you apply, make sure you meet the following eligibility criteria:
Be ready to supply the following information for your online application:
Enjoy mobile banking and direct deposit along with the following:
This online checking account isn’t without its drawbacks:
If you want to open an account with a bank that has branches, you’ll want to keep looking. As always, compare your options when choosing a checking account.
The FNBO Direct Online Checking account comes with a free FNBO Direct Visa Debit card. With it, you can access any of Allpoint’s 55,000 ATMs for free. ATMs outside this network may charge a service fee.
FNBO Direct offers five ways to access funds with this account:
As of this writing, the FNBO Direct Online Checking account is the only checking account FNBO Direct offers.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.