The FNBO Direct Checking Account With BillPay

Advertiser Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services.
stephaniecolestock 208x208 Written by Stephanie Colestock
Last updated on July 17, 2018 Comments: 2

If you’ve been looking for a free online checking account with a high-yield interest rate, the FNBO Direct may be the answer. Here are the rates and fees.

Have you been looking for a new online checking account? Preferably one with a higher-than-average interest rate? Then the FNBO Direct checking account may be the answer.

I’m a bit particular when it comes to my checking accounts. I don’t like paying any monthly fees, regardless of how much money I keep in the account. I want to be able to easily withdraw my money; I want a debit card, and I want to be able to manage my funds (including paying my bills)… oh, and I want all of that for free.

Narrows the list down a bit, huh? Luckily, the FNBO Direct Checking with BillPay offers all of that and more. Here’s what you’ll get with this account:

  • A completely free online checking account with zero monthly service fees, no matter how much money is in your account
  • Interest earned on your balance – currently 0.65% APY (as of February 28, 2018)
  • Minimum opening balance of $1 – yes, one dollar
  • Free online banking, bill pay, and account alerts
  • Complimentary FNBO Direct Visa® Debit Card
  • One overdraft fee forgiveness every 12 months (typically a $33 fee)
  • Free incoming wires
  • Free stop payments (I’ve paid as much as $35 for this before, so it’s a great bonus in my book!)
  • 24/7 access to over 2 million ATMs worldwide (no fees charged by FNBO for using out-of-network ATMs, though the machine operator may charge their own fees)fnbo

BillPay

popmoney

Being able to automate my bills is one of the biggest perks. The FNBO Direct checking account allows you to not only pay your bills online, but also set up automatic, recurring payments. That way, you’ll never miss another electric bill or charitable donation.

Need to send money to a friend or pay your babysitter? You’ll also have access to the free person-to-person money transfer app, Popmoney®, which is conveniently linked directly to your checking account. It allows you to easily and quickly send (or receive) money via mobile and email.

Earn Interest

For me, one of the best perks of this account is the interest rate. While it is subject to change, of course, the APY currently sits at 0.65%. This is significantly higher than many online savings accounts… let alone checking accounts!

The high yield – and absence of any fees – make this account a must-have for anyone looking to earn as much as they possibly can off of their money.

If you’d like to learn more about FNBO Direct checking with BillPay, or are interested in opening an account, check them out online here.

Article comments

2 comments
Tom says:
July 26, 2018 at 12:52 am

Anybody out there?? I’m just putting some feelers out there to see if there’s anyone interested in making a pretty substantial amount of cash in a short amount of time. Only thing this requires is that you have an active bank account or credit card in the US. No cash is required up front to start. Which means your account can be on a zero balance and that’s completely fine. +1(314) 856 1730, lets talk about the next deal

Reply
Scott says:
April 10, 2017 at 8:00 am

Thanks for the article. Sounds like a pretty good deal. Are there any hidden activities that you must perform to keep this account current and active? For example, do you have to use the debit card each month and if so how many times? Do you need to sign up for direct deposit? Must you have some transactions on the account? Thank you.

Reply