FNBO Direct has an Online Savings Account that is paying 3.50% making it one of the highest yielding accounts in the nation. Making this an even better deal the account has no minimums and no monthly fees. Since FNBO Direct launched they have consistenly been one of the highest-yielding Online Savings Accounts. You can open an account with as little as $1. Opening an account online is easy. Just click here to open your account today.