Fnbo Direct
Online Savings Account - 4.25% 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 |
4.25% |
| 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 |
| Minimum To Earn |
$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
|
|
October 28, 2024 |
4.25%
|
|
April 22, 2024 |
4.75%
|
|
August 20, 2023 |
5.15%
|
Customer Reviews for FNBO Direct (5)
NRB
March 14, 2018 | | Replies 1
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).
Is this review helpful? Yes:3 / No: 0
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.
Rich C
February 26, 2018 |
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.
Is this review helpful? Yes:2 / No: 0
Avoid like the Plague
January 14, 2018 |
Did a hard credit pull a rejected me. Choose a different bank from this list.
Is this review helpful? Yes:2 / No: 0
Smitty-J
May 2, 2016
All I can say is that these guys rejected me for a savings account. They rejected me for a savings account?1?
Is this review helpful? Yes:5 / No: 0
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