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Business

  • 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
  • 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
  • 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
  • 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
  • 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 grow your small business for (almost) no money

    Donovan Reed, EVP – Chief Lending Officer

    You spent a lot of money starting your business, so let us show you how to make it grow without spending a whole lot more.  » Read More
  • Developing a Business Plan

    Donovan Reed, EVP – Chief Lending Officer

    To start a new business or obtain additional capital through an investor or loan, you need to develop a business plan. If you’ve never created a business plan, it may seem like a daunting task. But it is an important step to ensure that you have thought through all the details concerning your business. » Read More
  • Take Your Small Business to the Next Level by Finding a Mentor

    Donovan Reed, EVP – Chief Lending Officer

    One thing that can separate successful and struggling small businesses is having a mentor. No matter what industry you’re in, having a mentor can improve your chance for success. You can find a mentor through personal connections or an online source. » Read More
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