Have you started preparing your financials for year end?
When your business is in full swing, it's easy to push off financial maintenance until the end of the year. But don't wait until December to get your financial house in order. Whether it's prepping for tax season or gearing up for the new year, the fall is a great time to check in with the financial aspects of your business.
1. Review Your Budget to Actual
If you're not on track to make your budgeted goals, now's the time to fix it. Review your year-to-date results and compare them to your budget. If your forecast for the rest of the year doesn't get you to where you need to be, make some adjustments to either reduce expenses, increase revenues, or both!

2. Ensure Your Accounting Records Are Updated
It's a good idea to keep your accounting records updated on a regular basis, but if you've been putting them off, the fall's a good time to check back in and make sure everything looks good. 

3. Prepare For Year-End Payroll Reporting
If you pay employees or independent contractors, you'll likely have some forms to file come year-end. Both Form 1099 (for independent contractors) and Form W-2 (for employees) have set filing deadlines and require certain information about the recipient. If you haven't previously collected this information (such as their full name, mailing address and social security number), now's the time. Track down this information before year-end so that you're not scrambling around for it right before the filing deadline.
Product Spotlight: uChoose Rewards
Who doesn't need extra cash? Earn uChoose Rewards Points with your FNB Visa debit card that can later be redeemed for cash! 

Here's how it works: 
1. Register your FNB debit card. 
2. Buy something using the "credit" option. 
3. Watch your points accumulate 
4. Redeem $25 in exchange for 2,500 points!

Register your card and track your points by going to  www.uchooserewards.com.
Grow Your Business by Accepting Credit Cards
Do you cringe every time a potential customer asks, “Do you take credit?” Make it easy for yourself and your business with our Merchant Card services. Boost your bottom line and expand your customer base in one fell swoop. And next time, proudly say, “Yes!” with the help of FNB.
Finance your new ride with a no-hassle auto loan, and show up at the dealership pre-qualified for real bargaining power. We promise competitive rates and affordable monthly payments, with quick decisions to get you rolling in no time. Our super low rate may not be lasting for much longer, so act NOW!

Auto Loans start at 2.99% APR*

*Annual Percentage Rate (APR) for qualified borrowers with approved credit and auto debit from a FNB Community Bank account, on new loans or refinance of non-FNB Community bank loans. Model year limits may apply. Member FDIC.
We currently have five job openings at FNB!
Instagram is a fun social network for sharing pictures with friends. It has also become an online shopping hub, and that can spell trouble for consumers. Like many online retailers, Instagram thrives by making the purchasing process easy. It’s up to you to put up barriers that make it more difficult, and thus avoid overspending.
Did you know interest rates are at an 18-month LOW for Veterans?

We are proud to offer the VA Interest Rate Reduction Refinance Loan (IRRRL) program. This loan allows veterans to refinance their existing VA loan to a new VA loan at a lower rate, or from an adjustable rate to a fixed rate.

Income, asset, and appraisal requirements can also be waived on the VA IRRRL program.

The VA Funding fee is only 0.50% and is financed into the loan amount, plus some eligible veterans may even be exempt from this funding fee.

Contact Shawn Reiswig to get started today:
405-869-1640 | [email protected]
Have you seen the newest addition to our mobile banking app?
With our updated mobile banking app, you can check your credit score in seconds, and even get tips for improving it. Best of all, there's no hard pull on your credit, so you can check your score as often as you'd like.

Your credit score is more than just a number. It’s a way for lenders to determine if you are eligible for a loan, the amount of the loan, the interest rate and your payment.

Gain insight on establishing or rebuilding your credit, understanding your credit score, and methods of reducing debt with Credit Sense.
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