{ 18 comments… read them below or add one }

Liz February 13, 2009 at 11:14 pm

Help. I applied to FNBO Direct and I got declined. I really don’t know what to do. Is my credit ruined? Anyone know anything that I can do? Really appreciate anyone’s help.

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Mikey August 1, 2009 at 1:17 pm

If you read MoneyNing’s post a few days ago, you can find the place to get free credit reports. I suggest going there to get a free credit report and see if there are anything you can see that can be fixed.

Good luck.

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PTC sites February 17, 2009 at 3:10 am

Great review of the first national bank of ahama.

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MoneyNing March 3, 2009 at 2:09 pm

Liz: I would call FNBO Direct up and see what you can do about it. My friend got rejected as well and after he called them, they told him it was just a typing mistake and they activated his account shortly after.

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Stephen March 12, 2009 at 4:17 pm

FNBO Direct’s bill pay is really really good and it’s so easy. I just came back to this post to say thank you.

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Emily March 12, 2009 at 10:11 pm

FNBO Direct is decent. It’s more of less like the others, it’s got good rates so far so I stay with them.

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Linda March 17, 2009 at 12:00 pm

FNBO Direct offers a good online savings account. I use it and I have no complaints but do people actually care that much who they bank with anymore? I mean, shouldn’t we just move money to the bank that has the highest yield when everything is so easy and done online?

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Chris March 30, 2009 at 9:38 pm

Linda, I use fnbo as well but yes, I do care because I want my bank to be responsible and safe. It’s one thing that they offer high yields but if they are always in the news of doing something stupid (like AIG), I wouldn’t bank with them.

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Tesla Santos April 1, 2009 at 2:55 pm

fnbo direct is great even though I’m not happy that everyone (including them) are lowering their rates. I guess I shouldn’t complain that the yield is still quite good compared to its peers and I haven’t had any problems with them.

In general though, I think online savings accounts are great and I don’t understand how traditional bank savings accounts compete because the online banks are easier to use and it offers a higher yield which in the end is the primary reason why we use savings accounts.

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Money Granola April 10, 2009 at 1:28 pm

Liz: Anther suggestion I’d have is to visit a free credit report company. Basically, your banking account history—kind of like your credit history. There, you can order the report for free once every two years. If you’ve been turned down in the last 6 months, you can get if for free. With the history, you can see if your history—all the accounts you’ve opened, if you’ve had too many bounced checks, etc.

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Joshua August 1, 2009 at 1:20 pm

FNBO Direct is pretty cool. It’s not everyday that you get a bank that offers a simple interface and bill pay for free. If you want CD, you have to open an online savings account first which is a little weird but no biggy since I wouldn’t mind being their customer in the first place.

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Lee August 20, 2009 at 11:21 am

Great Bank I Have Two Of There Credit Cards And This Online Savings Account Just One Of The Best Banks Around…..

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Lex September 16, 2009 at 11:41 am

I love the simplicity of fnbo direct. Other companies seem to heavily advertise “no fine print” and everything but this bank just shows it by having a simple website, simple ads and simple terms.

I just wish fnbo will raise rates.

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Victor December 28, 2009 at 7:30 pm

After checking out so many online banks, I still like FNBO Direct because their web interface is just so simple, unlike some of the other competitors. No one ever complains about them either so that makes me feel comfortable depositing my money with them.

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edgar March 5, 2010 at 5:26 pm

I have a credit card with this bank. In Nov 09 they send me a letter saying they will change my APR from 9% to 21% because I quote” they loosing revenues in this hard economy” never been late and I pay about 3 times the minimun payment each month

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Lee B August 29, 2010 at 11:42 pm

I’ve been with FNBO Direct for about 2 years now, and have been very pleased with them. Never a problem with transfers, and they are prompt, only 2-3 business days. Rates are low now but better than most locals banks. I have 2 savings accounts with them, one for a specialize purpose. I definitely recommend them.

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rod January 10, 2011 at 12:48 pm

this bank overall sux…. I had money being taken out of my savings account without approval. I am now stuck paying fees for not closing out the account. you want my advice do not bank with them you will regret it.FNBO/FCB this bank sux

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jack January 11, 2011 at 11:57 am

Rod, Was this your wife or friend or theif that was takeing money out of your account without approval? Was this through any fault of your own as in an ex-spouse whos still has shared account credit cards or anything like that?

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