6 Money Tips for New Business Owners
Starting a new business can be overwhelming, but managing the money doesn’t have to be! Here are 6 tips for setting up the financial aspects in the right way.
1. Get a separate bank account.
Whether you’re a sole proprietor or have an LLC, partnership or C corporation, a separate bank account is a must. Separating your business funds from your personal funds is key for a few reasons: 1) it makes it easier to track your business expenses, 2) it helps show that your business is real and not just a hobby, which can be important for both legal and tax purposes and 3) it makes you look like a legitimate in the eyes of your customers and vendors, which can result in more favorable payment terms and repeat sales. 

2. Track your revenues and expenses. 
It’s important to know the numbers in your business, and not just for tax time (although that’s a good reason!). Tracking your revenues and expenses has several benefits. First, gives you insight into the financial health of your business and helps you to identify problems and fix them before it’s too late. Second, you’ll need to know your numbers to calculate what you owe for quarterly estimated tax payments and on your tax return at the end of the year. 

3. Track your receipts.
As a general rule, it’s a good idea to keep all of your receipts for business-related expenses. This will help you substantiate that expense if you’re ever audited by the tax authorities.
Do your kids need a place to stash their cash?
Help your kids learn how to save with an Eagle Kids Savings account from FNB. Thanks to the interest, you can have fun together as you track the growing funds. It just takes $5 to get started. Elle & Elliott the Eagles invite you to start saving today, so you can continue to soar through life.

Open an account today to receive your very own miniature Elle or Elliot the Eagle. Download our kid-friendly savings goal worksheet to start your child's journey of saving for an item they really want.
Use the equity in your home to fund your summer vacation!
Sometimes it does boil down to simple math — if your home’s market value exceeds your outstanding balance, you’ve built up equity. If so, FNB can help you turn your home's equity into affordable financing — whether you use it for debt relief, home improvements, or education. Whatever your need, our 747 home equity loan offers a competitive rate and terms suited to your needs.

The "747 Special" includes the following details:
  • 7 year amortization
  • 4.70% APR* Fixed Rate
  • No fees or closing costs
  • Loan amounts from $10,000 to $75,000
  • Up to 80% financing


*APR (Annual Percentage Rate) for approved borrowers with approved credit.
Zelle ® is HERE!
Sending money to people is easy with  Zelle . Now you can split the bill with friends or send money to the dog walker fast.  #HowMoneyMoves
Congratulations, Julie!
Please join us in congratulating  Julie Waddle, AVP Digital Marketing Manager,  on being awarded a 3-year scholarship to the Graduate School of Banking at Colorado .

She will expand her banking knowledge at their campus for the next 3 summers.

Troy Appling, GSBC Board Member & EVP at the Bankers Bank, came by to deliver her official scholarship certificate.

The certificate reads, “The Graduate School of Banking at Colorado and  Oklahoma Bankers Association  together recognize Julie Waddle as a Future Leader in the banking industry for outstanding professional performance and involvement in the Oklahoma banking community.”
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.
Team FNB at EOC's 2019 Relay For Life!
Thank you to all who donated to our team, whether it was monetary or time, we truly appreciate it!!

Together, our team raised $11,000!!!! Take that, Cancer! 
Would you like us to feature your side hustle or small business?
We currently have six job openings at FNB!
Rose State College receives $250,000 donation for student center
The gift will help establish the FNB Community Bank Banquet Hall, a state-of-the-art banquet and meeting hall on the second floor of the center. The new banquet hall will feature seating for roughly 400 people with floor-to-ceiling windows.

“We are extremely grateful to the Croak Family and their dedication to Rose State College,” said Jeanie Webb, President of Rose State College. “The support that Robert, Bill and John show to our students and our campus is part of the reason why Rose State College is positioned as one of the leaders in higher education in the state. This contribution will help ensure our new student center is among the nicest in Oklahoma.”

Expected to open next year, the new student center will include the new banquet hall, student lounge, a full kitchen with catering and cafeteria services, the college bookstore, the offices of Student Affairs as well as multiple conference rooms and study areas.
Your Business is Our Business!
We proudly tailor our business loans to the unique needs of your business, whatever they may be — whether you’re just starting out or set for record growth.

T ypes of Business Loans:  http://bit.ly/FNBbizloans

You’ll deal with one point of contact throughout the process, and we have the capital to handle almost any size request.

Apply today, and let’s grow your business together.
Business Product Spotlight:
Remote Deposit Capture
Speed up your cash flow and your workflow with Remote Deposit Capture from FNB. Gain the ability to make non-cash deposits from your own office — just scan any check using the supplied desktop scanner and send out for processing. It's totally secure and easy to use. Best of all, you can make deposits anytime — even when the bank is closed!
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