Simple Straight-Forward Checking

FBO is a local entity focused first on building relationships for a lifetime of financial support. We want to be you and your family's personal banker for generations to come.

We offer simple, straight-forward checking products that provide customers with a full-range of benefits, many free of charge. No gimmicks or unnecessary products that only confuse and cost too much.

Basic Checking

Life can be complicated but your checking doesn't have to be. Basic Checking is a full-featured service for easy money management. No hassles. No drama.
$50.00 Minimum to open
No Minimum Balance required this copy is just filling space
Free FBO VISA® Debit Card
Free FBO Online Banking
Free FBO Mobile App (Apple and Android devices)
Free access to over 55,000 ATMs using the AllPoint Network
Free e-Statements ($3.00 monthly paper statement fee)
Free first box of standard checks
Non-Interest Bearing
Apply Now

Interest Checking

Manage your money with full-featured, convenient services plus a competitive interest rate. FBO Interest Checking bears interest and offers no hassles! 
$50.00 minimum to open
$10.00 monthly service charge if average daily balance drops below $5,000
Free FBO VISA® Debit Card
Free FBO Online Banking
Free FBO Mobile App (Apple and Android devices)
Free access to over 55,000 ATMs using the AllPoint Networks
Free e-Statements ($3.00 monthly paper statement fee)
Free first box of standard checks
Earns interest on all balances
Apply Now

Student Checking

FBO Student Checking is designed for young individuals to age of 25. With the features included, students will have the tools to responsibly manage money.1
$50.00 Minimum to open
No Minimum Balance required this copy is just filling space
Free FBO VISA® Debit Card
Free FBO Online Banking
Free FBO Mobile App (Apple and Android devices)
Free access to over 55,000 ATMs using the AllPoint Networks
Free e-Statements ($3.00 monthly paper statement fee)
Box of standard checks available for purchase
Non-Interest Bearing
Make appointment

¹ Student Checking must be opened at a FBO banking office. Upon student reaching the age of 25, the account will be reclassified as a Basic Checking or similar regular checking account.