First, you’ll need a FNBO Direct Online Savings Account (review of FNBO Direct ), then you need to visit the BillPay $25 promotion page  to apply. The $25 promotion is part of their Pay Yourself First contest.
Limited Time Bonus Offer: If you are a current FNBO Direct Online Savings Account customer, you can earn a $25.00 bonus for opening a new FNBO Direct BillPay Account. We will credit the bonus to your BillPay Account within 30 days after it is opened. In order to earn the bonus, your BillPay Account must remain open for 90 days and you must make at least one BillPay payment during that period (we reserve the right to deduct the amount of an unearned bonus from any account you have with us). This offer is only applicable to BillPay accounts opened on or after 08/06/08 and is limited to one bonus per household. This promotion is set to end on 09/30/08, however, we may change or discontinue this offer at any time. The FNBO Direct BillPay Account pays an annual percentage yield of 2.50%. The APY is accurate as of 08/06/08 and is subject to change. Fees may reduce earnings.