FNBO Direct

The transfer money option no longer works in the FNBO Direct app after the introduction of Zelle for all transfers on the FNBO side (and yes my apps are up to date). You need a second Zelle account (with a new email and phone number) to send money between FNBO & FNBO-D accounts, despite the fact that they share a routing number, because they aren’t on the same app. Without a transfer option and because FNBO-D is completely online (no debit card) my money is quite literally stuck in my account. I can handle glitches, not shady business practices or incredibly poor planning & oversight. Even if this gets resolved, it’s unacceptable to suddenly lose access to an account. Save your time & money and bank elsewhere.

Very easy to use banking app. I am able to set up bill pay transfers to move money between my other external accounts, so it seems that other reviewers haven’t caught on. FNBO Direct offers a competitive rate on its HYSA, so huge plus there. FNBO is a solid regional bank and it’s great to see them offer online-only deposit accounts for those that don’t need brick and mortar access.

But they are not upfront about this. Presumably, as a “fix” for their crappy limited technology, there is a link to the full website which also lacks needed options if accessed on a phone. No warning as well. I have to get a laptop or desktop to access certain fundamental things such as transferring monies between my own accounts at different institutions. For a company that is primarily online they should invest in better technology, have more information embedded in their app/ website and have more knowledgeable, kinder people on phone support. This bank behaves with little to no respect for my time or needs when it comes to managing my accounts. I regret choosing them.