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All accounts subject to Non-Sufficient Funds (NSF) Fee of $17 per Item and Overdraft Fee of $34 per Item, except for the eAccount and Power Stash. See our Banking Services/Fee Schedule for additional account-related service fees. Current Interest Rates. When it comes to checking accounts, you have the freedom of choice. We're a neighbor you can count on. When our customers trust us to serve their financial needs, they enable us to reinvest in community partners who are working to keep our communities strong. FNBO offers personal, business, commercial, and wealth solutions with branch, mobile and online banking for checking, loans, mortgages, and more.Compare Progressive vs American Family. 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