** If you have one of our partner-branded credit cards, please download the "Card by FNBO" app to access your account information. **
Free. Secure. Anywhere. Mobile Banking from FNBO Direct lets you easily view and manage your money right in the palm of your hand anytime, anywhere! Best of all, it’s free.
Mobile Banking is available to all customers; just download the app and log in with your Online Banking user name and password for a secure Mobile Banking experience.
FEATURES - View account balances and transaction history - Pay your bills and credit cards - View scheduled and recent payments - Transfer money between your FNBO Direct accounts - Transfer money to other customers at this bank - Deposit checks – Snap a photo of your checks and deposit them remotely - Contact a customer service representative
SECURITY At FNBO Direct your security is always our top priority. - Account information is never stored on your phone - Data transmissions are encrypted with the same secure technology as Online Banking
HOW TO GET STARTED - Mobile Banking is free from FNBO Direct (but your mobile carrier’s message and data rates may apply) - Download the app and log in with your Online Banking username and password
RESTRICTIONS - Deposits are subject to verification and are not available for immediate withdrawal - See the terms in the app for limits/availability and other restrictions
Updated on
Jun 10, 2026
Finance
Data safety
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Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App activity
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted
See details
Ratings and reviews
phone_androidPhone
tablet_androidTablet
4.7
386 reviews
5
4
3
2
1
brad coddington
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August 6, 2020
This used to be a fairly good app but it seems to be that they changed something and now I can no longer log in with my finger prints. So I tried to log in with my login and cant even do that now, so I went to log in on my computer and cant even log in on it. Im writing this as I wait on hold to get this log in straightened out. Seem like the less interest that they pay the worse that their systems work. Looks like it might be time to find a new online bank if they cant get their stuff together.
10 people found this review helpful
FNNI
August 10, 2020
Brad, we've recently updated our Online and Mobile login process. Please visit our website for more information: https://www.fnbo.com/pages/secure/. Customers will have to reset up a Passcode and/or Fingerprint on the mobile app. Select the ‘More’ tab which has three dots, select ‘Log In Options’, select ‘Passcode – On’, and ‘Fingerprint – On’.
Mr. C
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March 6, 2026
fnbo direct app isn't all that user-friendly. it's gotten much better than it was a couple years ago, but it's still isn't user friendly. you have to click on far too many things to see the simplest daily activity. I mostly avoid using it and will likely end up being done with this account because of the app
1 person found this review helpful
FNNI
March 12, 2026
I'm so sorry that you're not having a positive experience with the FNBO Direct app. We would love to be able to exceed your expectations in the future! Please give us a call at 800-642-0014 and one of our agents would be happy to see if they can help make it easier for you.
Augres Mich
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May 21, 2026
Rate no longer keeping up with my other accounts. No external transfers from app. Functionality is very limited and app very clunky. Moving funds slow and must be done from website. ***interesting.....recent reviews removed.....
13 people found this review helpful
FNNI
February 7, 2025
Augres, we appreciate you taking the time to provide feedback, and you may be assured it has been shared appropriately. If you have any other questions, concerns, or feedback, please do not hesitate to give us a call at 877-370-3707.
What’s new
• Enhanced our login process to create a faster and more reliable experience • Upgraded our mobile deposit process to better assist our customers to successfully capture the check image • Other general enhancement and bug fixes to improve your banking experience