We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

FNBO Direct Online Checking account review

Last updated:  

Capitalize on 0.65% APY and free PopMoney transfers, but prepare for limited customer support.

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.


Monthly fee




Minimum deposit to open


APY0.65% on balances of $0.10+
Monthly fee$0
Minimum deposit to open$1
ATMsAllpoint’s 55,000 ATMs nationwide
ATM transaction fee$0
Overdraft fee$33

What are the benefits of a checking account with FNBO Direct?

Enjoy mobile banking and direct deposit along with the following:

  • 0.65% APY. This an interest-bearing account ⁠— a rare find among checking accounts ⁠— so your funds will earn a 0.65% APY.
  • No maintenance fees. Your hard-earned money is free to grow with no monthly service fees sapping your funds.
  • Free PopMoney transfers. The typical $0.95 PopMoney transaction fee is waived for transfers made from this account.
  • Debit card fraud monitoring. FNBO Direct’s online security helps keep your money safe with debit card fraud monitoring, SSL encryption and automatic timeouts.
  • Free incoming wire transfers. While outgoing transfers are subject to a $15 fee, incoming wire transfers are free.

What should I look out for?

This online checking account isn’t without its drawbacks:

  • No in-person support. Since FNBO Direct is an online bank, its customer service is limited to phone and email inquiries.
  • No international wire transfers. While domestic transfers are permitted, international wire transfers aren’t available with this account.
  • No check-writing privileges. This checking account doesn’t offer check-writing privileges.

FNBO Direct’s ATM network and fees

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.

Compare with other checking accounts

Name Product APY ATMs Fee
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
More than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
(can be waived)
A full-service interest checking account that offers automatic rebates of ATM fees. Earn a $200 cash bonus when you add direct deposit.
Free to use anywhere worldwide
(can be waived)
Get a $1000 welcome bonus when you join Sapphire Banking by January 17, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
38,000 fee-free ATMs nationwide
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
5.09% on balances of $0 to $10,000
0.20% on balances of $10,000.01 to $25,000
0.10% on balances of $25,000.01 to
Over 30,000 ATMs and access to over 5,000 shared branches
Earn a super high 3.09% APY on balances up to $10,000 if you receive eDocuments, make 12+ debit card purchases totaling $100+ and direct deposit $500+ each month. Earn 4.09% APY if you also spend $500+ on CCU's credit card, or 5.09% if you also spend $1,000+ on the credit card monthly.

Compare up to 4 providers

How do I open a FNBO Direct Online Checking account?

  1. Go to FNBO Direct’s website and click Apply Now.
  2. Enter your full name, Social Security number, date of birth and email address. Click Next Step.
  3. Enter your residential address, driver’s license number or state ID and employment status. Click Next Step.

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:

  • US citizen
  • At least 18 years old
  • Social Security or tax ID number
  • Valid driver’s license or state ID
  • Valid bank account
  • Initial deposit of at least $1

Required information

Be ready to supply the following information for your online application:

  • Name, date of birth and residential address
  • Contact information
  • Employment information
  • Social Security or tax ID number
  • Driver’s license or state ID
  • External bank account number and routing number of funding account

How do I deposit or withdraw my money?

FNBO Direct offers five ways to access funds with this account:

  • Online deposit. Transfer funds to an externally linked account.
  • Mobile check deposit. Using the FNBO Direct mobile banking app, make a deposit by uploading a photo of your check.
  • ATM. The FNBO Direct Visa Debit card offers surcharge-free access to more than 55,000 Allpoint ATMs.
  • Wire transfer. Incoming domestic wire transfers are free, while outgoing transfers are subject to a $15 fee.
  • Mail. Mail a check to FNBO Direct.

What other checking options does FNBO Direct offer?

As of this writing, the FNBO Direct Online Checking account is the only checking account FNBO Direct offers.

Bottom line

The FNBO Direct Online Checking account earns interest and offers free person-to-person PopMoney payments, but lacks in-person support.

Unsure about this account? Review your checking account options with other providers to find the best rates and features that fit your financial needs.

Frequently asked questions

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site