The easiest way to move money to and from your FNBO Direct Accounts, is to use our "Transfer Funds" feature. Log in to your FNBO Direct account, and use the “Transfer Funds” widget located at the lower left of the “Accounts” tab and the “Payments & Transfers” tab. Select "Internal Transfer" or "External Transfer", which allows you to transfer money from your FNBO Direct Accounts or any of your linked accounts at other banks.
Online Banking & Support
- Payments & Transfers
- Messaging & Alerts
- Fraud
You can transfer funds to and from any FNBO Direct Account or any "External" linked accounts at other banks on which you are an authorized owner.
If you initiate the transfer before 10:00 pm cutoff CST, Monday through Friday, the transfer will be made the same business day. If it is initiated after the 10:00 pm cutoff or on a Saturday, Sunday or a holiday, the transfer will be made on the next business day.
If you initiate a transfer from your other bank account to an FNBO Direct account, the movement of funds from your other bank account will likely be done that same business day. These funds will travel through the standard ACH process and credit your FNBO Direct account typically within three business days.
Yes, your personal information and account data are protected by multiple independent security protocols: firewalls, data encryption and a multi-layered verification for your account. These create a secure electronic tunnel between your computer and FNBO Direct's system. FNBO Direct supports the use of 256-bit encryption technology, the most secure form of encryption currently available for commercial use over the Internet.
After logging in, select the "New Message" link and choose the message topic that best describes your question. After typing your message, click "Send" and your message will be sent to customer service.
If you do not see a message topic that closely aligns with your question, you can choose to send a message to customer service using the "Other" category.
The Reference Number is a unique identifier for your inquiry. If you need to ask a question about your case, use your reference number.
You can view your sent and received messages from the Inbox within Online Message Center. Sent and received messages will be date/time stamped in the "Last Update (CT)" column. Your message and all related messages are contained in one "message chain". When viewing a specific message, the most recent update to the message chain will appear first. All previous messages will appear when you click on the '+' beside 'Message Chain'.
Each time you receive a new message, an email will be sent to your personal email address notifying you of the new message. Log in to online banking and click on Contact Us to access the Online Message Center where you will be able to view your new message.
From the Inbox, click on the underlined message subject to view the details of the message.
It is our goal to respond to all messages within a reasonable amount of time. If you haven't received a reply within the designated amount of time, please resend the message or call our customer service representative at 1-877-370-3707.
While viewing your messages, select the "Reply to This Message" link. This will allow you to reply to your message.
When you delete a message, the message is no longer available in the Online Message Center but remains on our system for a period of 1 year.
You can update your email address within the "Profile" tab once logged in to FNBO Direct.
The account alerts available include but are not limited to low balance, deposit received and monthly withdrawal limit reached.
No, the Account Alerts service is absolutely FREE to FNBO Direct online customers.
Alerts are sent to your email address via unsecured email. For that reason, we do not send confidential or personal information within the alert message.
FNBO Direct will display your first and last name with the last four digits of your account number in each email alert that comes from us. Additionally, FNBO Direct e-mails will only come from the addresses listed below:
No, all you need to receive the alerts is a valid email address.
We ask that you please do not reply to the alert emails. If you have questions about the email or the Account Alerts service, please go to the Contact Us section after logging in to your account and use the secure email function located there.
If you have not received an alert, go to the ”Manage Account Alerts” page on the “Accounts” tab to view all of the alerts you have set up on your accounts. If there is an alert on your list that you have not received, please check your spam or deleted files. If you have any questions or concerns about alerts, Contact Us via the secure email function after logging in to your FNBO Direct Account.
Yes, the Account Alert service and/or your ability to receive Account Alerts can be terminated. As stated in the Account Alerts agreement, FNBO Direct reserves the right to terminate or change its Account Alert without prior notice to you. Please review the Alert Agreement on the Accounts tab page for additional information.
Signing up for Account Alerts is simple. All you need is a valid email address. Then just click on ”Enroll in Account Alerts” from the “Accounts” tab.
Yes, alerts are offered for all FNBO Direct Online accounts.
There are specific alerts available for each type of account. When you sign up for Account Alerts, you can choose which alerts you want to receive for each of your enrolled accounts. We will only send you those alerts that you want, so you're always in control.
You can quickly and easily update your alerts. Just click on the “Manage Account Alerts” page and select the account you want to update. Then choose which alerts are right for you.
To change your email address(es) go to the “Profile” tab and select the “Email Address” tab under Update Profile.
Email is an inexpensive and popular method for distributing fraudulent messages. Phishing is a form of email fraud. These fraudulent emails appear to come from legitimate companies with whom consumers do business. The goal of a fraudulent email is to obtain personal and/or financial information. FNBO Direct will never ask for you to verify or provide any personal or financial information within an email.
Fraudulent email will typically have a familiar company logo and resemble their Internet site. For added security FNBO Direct will display your first and last name with the last four digits of your account number in each email that comes from us. FNBO Direct emails will only come from the addresses listed below:
If you are ever in doubt, please Contact Us.
If personal information was provided and you suspect that the Web site, email, or pop up box may be fraudulent please Contact Us. If personal information was not provided and you suspect fraudulent Internet activity, please fill out a Report Internet Fraud form. To assist in our investigation further please keep record of as much information as possible. We may request that you forward the email to FNBO Direct or print it so that it may be forwarded to other agencies as well. You can also report suspicious calls, emails, and text messages to the U.S. Federal Trade Commission.
Email addresses can be obtained from publicly available sources or through randomly generated lists. Therefore, if you receive a fake email that appears to be from FNBO Direct this does not mean that your email address, name, or any other information has been taken from FNBO Direct systems.
If you don't recognize the URL when you click a link in an email, you should open a new browser and type in an address you know. The majority of fraudulent email messages will link to fake copies of a legitimate site in which the URL is transposed by a couple of letters. If you are ever in doubt, please Contact Us.
FNBO Direct has many security measures and safeguards in place to ensure your accounts and credit are protected. We'd like to provide you with these tips so that we can work together to prevent fraud.
- Use the latest version of internet browsers and email programs.
- Review your email service provider's Security Policy. Or, have your email service provider explain their Security Policy. Be cautious about sharing personal information through email.
- Do not open email attachments which you are not expecting; they may contain a virus that can infect your computer. Delete any unwanted email. And do not download programs from unknown sources.
- If you are using a public computer, close your email program and browser before you leave.
- If you are requested to provide personal information in response to an unsolicited email, contact the company represented in the email to determine its legitimacy.