Fnbo Direct
Online Savings Account - 4.75% APY

• No monthly fees or minimum balance requirements.
• Fees may reduce earnings.
• Minimum deposit to open an account is $1.00.
• Maximum principal deposit balance: $1,000,000.


Fee and Feature Guide

Savings Account
Interest Rate
APY 4.75%
Minimum deposit amount $1.00
Maximum deposit amount N/A
Balance Requirements
Minimum Opening Deposit $1.00
Minimum Balance to Avoid Fees $0.00
Minimum Required Balance $0.00
Fees
Monthly Maintenance Fee N/A
Foreign ATM Fees $10.00
Insufficient Funds Fee N/A
Incoming Wires $10.00
Statements
Paper Statements ×
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device Yes
Free Bill Pay Yes
Online Bill Payments Required Yes
Account Opening
Open Online ×
Insured by F.D.I.C.

Recent Rate Changes



Date APY
April 22, 2024 4.75%
August 20, 2023 5.15%


Customer Reviews for FNBO Direct (5)


  • March 14, 2018 | | Replies 1

    Online Savings Rates

    Poor service. Condescending attitude.
    Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for application verification).

    Chandra | Mar 14, 2018

    I had a similar experience. My application did not get processed when I applied for my FNBO direct account. First site said someone will contact me by phone or email. Then, I received an email asking me to complete my application process, but when I logged in, there was nothing for me to complete. I called customer service, they said they have to review it by hand, it will take 48 hrs to see what is missing. 48 hrs passed - no email or phone call. I called customer service back talked to the manager, who said he would send the document again to the department that process this application. I was told I need to fax or mail address proof, I faxed address proof. They cannot even confirm if they received my fax yet, let alone the status of the application. Horrible service. Stay away from this bank. I am regretting for even applying here.

  • February 26, 2018 |

    Online Savings Rates

    This is a very poorly run online bank. I have followed the area and the bank for years and ordinarily this one is not rate competitive. They may have recently raised to 1.60%, but when rates are 2% in 3 months, they will still be at 1.60%. Consider that. Consider the hard credit pull. Then move along.

  • January 14, 2018 |

    Online Savings Rates

    Did a hard credit pull a rejected me. Choose a different bank from this list.

  • May 2, 2016

    Online Savings Rates

    All I can say is that these guys rejected me for a savings account. They rejected me for a savings account?1?


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