FNBO Direct
Open Account
Welcome to FNBO Direct's online account opening process.

To open an account, please follow these simple steps:

Tell Us About Yourself

Confirm Your Identity

Complete Signature Card

Customize Your Account

Fund Your Account


What would you like to do?
I would like to start a new application.
Save time! If you're already an FNBO Direct customer, select "Yes" to log in and fill out a shortened application for your new account.
I would like to sign in to an existing application that either I or my co-applicant has already started.

The application will take approximately 10-15 minutes to complete. Prolonged inactivity will result in the application timing out.

Below is a list of information needed to complete an individual or joint application. If you are applying for a joint account, the following information is required for both you and your co-applicant.

  1. Your Social Security or Tax ID number.
  2. Your Driver's License or ID card issued by a State DMV.
  3. Employment Information including employer name, address and phone.
  4. Information about any loans or mortgages you may have to help us confirm your identity.
  5. To fund your account electronically, you will need your current bank account and routing numbers. Please utilize an account that allows electronic deposits and withdrawals.
Please note, you will be provided your account number the first time you log in after your opening deposit is received.

Note: All applicants must be U.S. residents and be at least 18 years of age.