FNBO Direct 4+

Happy to see an app finally

It’s great we can now login to an app for our accounts. Overall pretty good. Not really a great UI but that is not a necessity, functionality is what’s important. So far the app does everything I need although an interface where you can easily view your account and routing number would be much appreciated.

Lost access to my funds

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.

Developer Response ,

We are sorry to hear that our services do not meet your expectations, and appreciate you taking the time to bring your concerns to our attention. You may rest assured that they have been shared appropriately. If you have any other questions or concerns, you can always call us at 877-370-3707, and our Specialists will be happy to help.

Can’t do many of the important features

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.

Developer Response ,

Claire, we're truly sorry your experience was not to your satisfaction. We are striving to create the best mobile banking experience in the market and customers like yourself that are willing to give us feedback are invaluable for both our mobile app and our bank in general.