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  • Sticking to a holiday budget—you can do it.

    Mel Barnes, SVP – Chief Operations Officer

    Here are some tips on keeping holiday spending under control. » Read More
  • Guard your card and protect your finances.

    Mel Barnes, SVP – Chief Operations Officer

    We want you to thoroughly enjoy the holidays, so take a moment to review these simple tips for protecting your card from fraud or misuse. 
    » Read More
  • New Edmond location now open.

    Oklahoma State Bank’s new office in Edmond offers a wide range of services, including loan origination and activation of new checking, savings, money market and certificate of deposit accounts. » Read More
  • Be on guard against ransomware—part two

    Donovan Reed, EVP – Chief Lending Officer

    First, don’t panic. Disconnect the affected device from the Internet and isolate it from the network. However, do not turn it off because valuable forensic data could be lost.

    » Read More
  • Be on guard against ransomware—part one

    Donovan Reed, EVP – Chief Lending Officer

    Ransomware is a type of malicious software (malware) that encrypts the user’s files or blocks access to a computer system until the user pays the criminal a fee to release them. It can infect your PC, smartphones, tablet or other Internet-connected device through many delivery methods: downloading a new app, a Flash-based gaming site or an accidental click on a bad ad. Ransomware is often delivered through email via infected attachments and links that direct the user to an infected website.
    » Read More
  • Headed to college next fall? It is time to complete the FAFSA®.

    Mel Barnes, SVP – Chief Operations Officer

    Each year, the federal government provides more than $150 billion in financial aid (grants, work-study and loans) for college or career school. To apply for this aid, one must complete the Free Application for Federal Student Aid (FAFSA®). Financial awards are made until funds are depleted—don't delay.
    » Read More
  • ACH payment processing simplifies small business operations

    Mel Barnes, SVP – Chief Operations Officer

    If you own a business that still takes and makes credit card or check payments, then you should consider using Automated Clearing House (ACH) payment processing instead. 
    » Read More
  • Transferring with trust: Person-to-person payments through your financial institution.

    Mel Barnes, SVP  Chief Operations Officer

    Ever find you’re short of cash when you need to split a purchase, or pay a friend back for the concert tickets she picked up for you? Person-to-person (P2P) payments are an increasingly popular, convenient way to save time and effort.

    » Read More
  • Save time, improve cash flow and more—with Remote Deposit Capture

    Donovan Reed, EVP – Chief Lending Officer

    In 2004, the Check Clearing for the 21st Century Act (Check 21 Act) went into effect, creating a new negotiable instrument called a “substitute check” that can be processed just like an original check—only much faster. 

    » Read More
  • Millennials: No matter what, keep saving.

    Mel Barnes, SVP  Chief Operations Officer

    Millennials—those born from the early 1980s to the late 1990s—are more educated and technologically advanced than any previous generation. Why, then, do 35% of millennials (Americans aged 21 to 37) still live at home with their parents? And why are more than half still relying on their parents for financial assistance? » Read More
  • Checking is getting a lot more interesting.

    Mel Barnes, SVP  Chief Operations Officer

    Savings and checking accounts used to be two distinct worlds. Savings accounts were exclusively for earning interest over the long term and were tapped only for emergencies or big-ticket purchases—the proverbial “nest egg”—while checking accounts were primarily used for paying bills or making everyday purchases, and never earned interest.

    » Read More
  • Jim Canton Joins Oklahoma State Bank as President, Chief Credit Officer

    Jim Canton has joined Oklahoma State Bank (OSB) as president and chief credit officer. The native of Joplin, Mo., has been in the banking industry for 39 years, primarily in the Edmond and Oklahoma City markets, and most recently served as president of Bank SNB in Edmond.

    » Read More
  • Build Your Credit Score

    Mel Barnes, SVP  Chief Operations Officer


    Building credit can be a conundrum: How do you get a good credit card without a good credit score? If you are starting from scratch, it can be difficult to know where to start. If you already have a low score, raising it can take some time and money-conscious decisions. The good news? You don’t need a lot of money to have a good credit score. » Read More
  • Protect your small business by instituting internal controls — Part 2

    Donovan Reed, EVP – Chief Lending Officer

    We are continuing our suggestions for improving internal controls at your small business with tips four through eight, below. Continue reading from part 1 to read additional measures your small business can take to guard against internal and external predators. » Read More
  • Protect your small business by instituting internal controls — Part 1

    Donovan Reed, EVP – Chief Lending Officer

    There are small businesses everywhere, right now, getting scammed by a phony vendor, having money or property stolen by an employee, or suffering other financial setbacks that could have been avoided with the right internal controls in place. » Read More
  • Jeff Odom Joins Oklahoma State Bank as Vice President

    Jeff Odom, a 16-year veteran of the Oklahoma banking industry, has joined Oklahoma State Bank (OSB) as vice president and commercial relationship manager. » Read More
  • OSB's Bart Byrns' inspirational run

    When Bart decided he wanted to start running, he began with the Couch-to-5K program, worked his way up to his first half marathon. This is Bart’s seventh year to participate... » Read More
  • Benefits of an IRA CD

    Mel Barnes, SVP – Chief Operations Officer

    When most people think of IRA accounts, they think of money invested in stocks and bonds. And, while offsetting your immediate tax burden may be attractive, as you get older, the riskiness of the market is less appealing. With OSB, get the best of both worlds—the potential to offset your immediate tax burden while also investing in a Certificate of Deposit. 

    » Read More
  • Overcome cash flow challenges with Oklahoma State Bank

    Donovan Reed, EVP – Chief Lending Officer

    Maintaining a healthy cash flow for a small business can be tough. Learn how you can turn accounts receivable into financing for your business to improve cash flow.  » Read More
  • How to prepare your kids to be financially independent

    Mel Barnes, SVP – Chief Operations Officer

    Every parent wants their kids to be knowledgeable about finances, but teaching them can be difficult. Here are a few suggestions to help you prepare your children for their future.

    » Read More
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