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Personal Finance

  • Managing your finances with debit and credit cards.

    Mel Barnes, SVP – Chief Operations Officer

    There are many differences between a credit and a debit card, and there are many reasons for using one versus another. How do you decide? 

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  • Going on vacation? Pack a little financial discipline.

    Mel Barnes, SVP – Chief Operations Officer

    A great summer vacation can create memories that last a lifetime, but too many families create something else that can last nearly as long: credit card debt. By planning, saving, budgeting and making smart choices while on your trip, you can have a great time without suffering vacation regret. Here’s how...

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  • Five smart ways to make the most of your tax refund.

    Mel Barnes, SVP – Chief Operations Officer

    Just received your tax refund? Got your eye on your next purchase? Think again. Here are five smarter ways to spend it...

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  • Saving for college or retirement? Here’s why April 15 is an important date for you.

    Mel Barnes, SVP – Chief Operations Officer

    Monday, April 15, 2019, is the final day you can make your annual maximum contribution for a college savings account (Oklahoma 529 plan) and an IRA. Here’s what you need to know.

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  • Get more return-on-investment from your tax return.

    Mel Barnes, SVP – Chief Operations Officer

    There are few things most of us dread more than tax season. However, getting that beautiful tax refund makes it all worth it. What's even more beautiful than getting it? Watching it grow.

    » Read More
  • Paying bills? Just say the word.

    Mel Barnes, SVP – Chief Operations Officer

    Beginning February 2019, OSB customers will have the option of paying bills by voice command... » Read More
  • You may be saving for retirement, but could you be saving smarter?

    Mel Barnes, SVP – Chief Operations Officer

    You’ve probably heard the advice: “You should save your money.” It’s great advice. But saving money for a rainy day is not the same as saving money for retirement. In order to help ensure a long and comfortable retirement, IRAs and 401ks are pretty much essential. » Read More
  • What’s the deal with our Social Security program?

    Mel Barnes, SVP – Chief Operations Officer

    Millions depend on Social Security benefits, and millions more are counting on those benefits when they reach retirement age. The problem is, the program is facing some big challenges—namely, funding. » Read More
  • Teaching your kids how to save is easier than you think. Here are five tips!

    Mel Barnes, SVP – Chief Operations Officer

    It may not be as easy or as fun as playing video games, but it pays off. When you teach your kids to save, you will have raised lifelong savers... » Read More
  • 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. 
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  • 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.
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  • 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.

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  • 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.

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  • 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
  • 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. 

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  • 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
  • 6 Personal Finance Tips for a Stress-free Financial Life

    Mel Barnes, SVP – Chief Operations Officer

    "Personal finance" is the management of your money and financial decisions, including budgeting, investments and retirement planning. If you are getting ready to begin your professional career, now is the best time to become financially literate. Here are six steps to help you enjoy financial peace of mind for the rest of your life. » Read More
  • Money Management in Your 30s

    Mel Barnes, SVP – Chief Operations Officer

    Your 30s is a great time to start looking beyond your immediate bills and financial needs, and look toward the future. Here are three ways to shift your financial focus as you move into your 30s. » Read More
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