Yes, they said on the phone that every new applicant is presently getting "incomplete" application message. They claim that you will receive an email tomorrow saying the application went thru completely and everything is fine.

timothy86 said:

Anyway, they do a hard pull and I wasn't instantly approved. They said I needed to call them.

Are you sure they did a hard pull? Did you see it on your report. I need to wait till around 2:30 to update my TrueCredit and will see if I got one

ltcm said:I don't think they did a hard pull. I applied yesterday and updated TC this morning and didn't see anything.

do you guys pay $14.95 each month for TC ? or any special deals going on...

Savemeister said:mnsweeps said:bozo007 said:Opened FNBO account last night, the trial deposits are in my BofA account this morning.

same here. but then how do we verify the trial deposits? I dont have the userid from FNBO.

Go back to the application page and it will give you the option to complete your application and verify your trial deposits.

Thanks...Just did that....

timothy86 said:
I'm not 100% sure but assummed they did since it asked the whole mortgage questions list they comanpies generally do when they pull your report.
In the past those questions have always meant no hard pull, Just a soft way to verify since loan info is public record. I have never had any loans so mine are always none of the above

I too confirm that FNBO Direct is not available on Yodlee, and encourage everyone to ask Yodlee to add it.

To do so:
Click on "Submit Service Request" from the top right block of links after logging into Yodlee
Select "Suggest a Site"
Account type - Banking
Site Name - FNBO Direct
URL - https://www.fnbodirect.com/

You can also enter your login info for development purposes. I must admit I chickened out. It is BT money, after all.

I haven't read many bank privacy policies for a while, do most have something similar to this?

What personal information can we disclose to nonaffiliated third parties?
We may disclose personal information about you to nonaffiliated third parties as permitted by law. This may include all of the personal information we collect about you. For example, we may disclose information to payment processors, check printing companies, and appraisal companies to complete transactions that you request.
We may disclose all of the personal information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. These nonaffiliated third parties are responsible for treating your personal information as confidential.

I thought they usually said something along the lines of, "we will not disclose your personal information except when required by law..." Is this something to be concerned about?

mnsweeps said:bozo007 said:Opened FNBO account last night, the trial deposits are in my BofA account this morning.

same here. but then how do we verify the trial deposits? I dont have the userid from FNBO.

Same here. Haven't received anything from them yet regarding user id or password.

samiam68 said:mnsweeps said:bozo007 said:Opened FNBO account last night, the trial deposits are in my BofA account this morning.

same here. but then how do we verify the trial deposits? I dont have the userid from FNBO.

Same here. Haven't received anything from them yet regarding user id or password.

Never mind - figured it out - go to fnbodirect and resume your application. It will ask for you name SSN and DOB. Then it will retrieve the application and you can verify the deposits.

no account # email yet...signed up yesterday and verified deposits this morning...I got the inital acc opening deposit processed though.