“No frills bank that delivers”
Its true that initial funding takes longer than I would expect (5 days) but overall I am pleased with the experience. You get a bunch of transfers per month and a debit card so this could be more like a checking account rather than a savings, that flexibility is a very good thing when other banks make you carry a minimum balance and jump through other hoops so that you don't have to pay a monthly fee. To top it all off the interest rates are always near the top of the heap, if not the top. I recommend this bank to friends and family.
“NOT A HAPPY CAMPER!”
I started out with the FNBO application- that went as stated. That was Feb 27th- Its now March 4, and I just today finally was able to access this account! Thats not the good news however- My money was taken from my checking account 3 days ago and there is no balance showing at FNBO?
I had to contact FNBO at every step of the way- there was no way to logically complete the steps to their account set up. The last time i contacted customer service because I couldnt log in- the customer service representative was rude- very rude - when she told me that if i had read the fine print I would know that even after i created my name and password , i would not be able to access the account for a minimum of 24 hours. That was AFTER they had taken my $7000- and my statement of if you wont let me see my account- you shouldnt have taken the money- got me well thats the way we do it. You will be e mailed when your access is ready.
Guess what- No e mail- but I did get to log in. ONLY to find out that the account shows no balance whatsover even though my checking account clearly shows a direct transfer of money to FNBO of $7000 two days ago?
I am now busy searching the fine print to find out how long i have to leave my money in this farce of a bank before I can withdraw it and deposit it elsewhere.
My ING account was easy to set up, fast, the transfers were made and the account able to be accessed without a bit of trouble and nobody rude either.
The interest rate may be higher but in this economic time- the comfort of at least being able to see YOUR money in YOUR account and access it is worth something.
Never ever again
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