FNBODIRECT

By: Sabrina Pantaleon

HISTORY Over 150 years old First National Bank, founded in 1857 by two pioneers, 1. Herman 2. Augustus Kountze

It was one of the first banks to issue credit cards before many other larger banks did so and it was the

first U.S. company to use fuel cell technology as primary power source.

The pioneers who founded wanted improvement and commitment to customer service.

FNBODIRECT has become the largest privately owned banking company in the United States.

Largest family-owned holding companies in the country.

SERVICESOnline savings: No monthly fees or minimum balance

requirements and you can open an account with as little as a $1

For example: If you need to split the check for lunch, or send

a cash birthday gift there's a simple, convenient and secure way to send and receive money using your FNBO Direct accounts.

1. Send mobile and email payments directly from your FNBO Direct accounts.

2. Received money? Deposit it into your FNBO Direct accounts.

3. Free yourself from the bother of check writing and bank visits.

SERVICESOnline BillPay Save the stamp and the bother of writing paper

checks. Start paying all your monthly bills online. Send

payments to a company or an individual.

CERTIFICATES OF DEPOSIT

You can choose from different rates and terms to fit your savings goals.

Every FNBO Direct CD offers: Guaranteed earnings Automatic renewal¹ Optional withdrawal of all funds in your CD at maturity

CERTIFICATE OF DEPOSIT ANNUAL PERCENTAGE YIELDS: 

EXTRA EARNINGS ® VISA® CARD

Rewards for your everyday purchases while you save for the future.

Earn 2 points for every $1 in qualifying purchases for the first 12 billing cycles after your account is opened.¹

Continue to earn 1 point for every $1 in qualifying purchases after the first 12 billing cycles.¹

Cash your points by requesting a $25 deposit into your FNBO Direct Online Savings Account each time you make 2,500 points on your account.¹

NEST 529 SAVINGS PLAN

Higher education within reach. The NEST 529 Savings Plan offers a easy way to save for

a child's higher education. You can manage your account online Rewards and scholarships

Getting started is easy with an automatic investment plan and payroll direct deposit.

Automatic Investment Plan (AIP) With AIP, you can transfer money to your NEST account

directly from your checking or savings account.