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FNBO Bank


Specifications

Features
Best Reviewed Account Type(s)
Savings
APY as of 04/07/09
1.90 percent APY plus 1.50 APY for online bill pay acct.
Parent Bank
First National of Nebraska
BankRate.com Stability Rating
4 stars
Liability Protection
Limited protection depending on how soon loss or unauthorized use is reported
Min. Balance to Open
$1
Special Requirements
Personal checking account for electronic transfers; Initial deposit not available for 10 days
Monthly Fees
None
Min. Balance to Avoid Fees
None
Direct deposit required?
No
Physical Branches in U.S.?
A few, in six Midwestern states
How to Deposit
Electronic transfer between banks, or mail in check
How to Withdraw
NOTE: Online bill-pay account comes with Visa Check card. Withdrawals and transfers from savings limited to six per month -- by electronic transfer between FNBO savings and bill payment, or between FNBO and external bank, or by ATM. Daily ATM limit $1,000
Withdrawal Fees?
ATM fee (*Est. $2.50 FNBO plus whatever ATM owner charges)
Transfer Between Accounts?
Yes, free
Transfer Between Banks?
Yes, free; link to up to 3 accounts
Limit to Daily Transfer Between Banks
$100,000
Estimated Transfer Days Between Banks
2 to 3 days
Write Checks?
No
Debit Cards?
Yes
Online Bill Paying?
Yes, separate account
Reimburse ATM Fees?
No -- charges for using ATM without Circle logo ($2.50 for withdrawal, $1 for balance inquiry) -- These ATMs are limited to 6 states. (Free ATMs are listed at First Nat. Bank of Omaha site)
Number of ATMs in U.S.
400,000 (Plus network)
International ATMs
Yes -- Visa Plus network
Live Phone Support
24/7
Optional Overdraft Protection?
N/A
Mobile Banking?
No
Social Networking?
No
Integration with Financial Management Tools?
No
Notable Features
Higher than average interest rate; Kiplinger's Dec. 2008 top pick for online savings
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