5 Unexpected Expenses for First-Time Homebuyers
It’s no secret that buying a home is expensive. Financing a home is probably one of the biggest expenses you’ll ever have in your lifetime.

For people who have purchased homes before, the home buying process is not nearly as shocking or difficult as that first round of home ownership. Veteran homeowners know what to expect, what to avoid, and can figure out a more accurate budget for expenses.

Here are 5 unexpected expenses for first-time homebuyers that you’ll need to watch out for.

Closing costs are no secret. But, the list of expenses you have to cover when you close on your home can really shock you if you haven’t prepared

Property tax is a tax assessed on real estate. The tax is usually based on the value of the property (including the land) you own. Value is usually assessed by local or municipal governments.

Home maintenance and repairs are often underestimated or unexpected altogether. Realize that you may need to do repairs on the home you buy, especially after you have the inspection done.
Each week, we are proud to feature a customer's side hustle or small business. As your community bank, helping your business succeed is our main goal.

This week is extra special because we are showcasing a non-profit side hustle!
This week we are proud to feature the  Oklahoma Law Enforcement Memorial !

Come see a representative from the OKLEM, learn more, and even donate this Friday at FNB's main bank in Midwest City . Address is 2911 S. Air Depot Blvd. MWC, OK 73110.

The Oklahoma Law Enforcement Memorial, originally called the Oklahoma Peace Officer's Memorial, was the first state law enforcement memorial built in the United States. It was dedicated on National Peace Officer's Memorial Day, May 15, 1969.

The memorial sets on the slope of the west grounds of the Oklahoma Department of Public Safety Headquarters, 3600 N. M. L. King Avenue in Oklahoma City.

The original memorial consisted of seven granite pieces with the names of 360 fallen officers' names engraved on them. Six more granite tablets have been added over the last 50 years and sit outside of the original memorial plaza. Almost five hundred names have been added to the memorial due to deaths and research that has discovered many more fallen officers. Almost half of all of the Deputy U.S. Marshals, their Posse and Guards who have died in the line of duty in the United States are engraved on the Oklahoma memorial.
Mother's Day Giveaway!
In honor of Mother’s Day coming up on May 13th, we are giving away a 💗PINK💗 RTIC cooler!

This particular RTIC model is big enough to hold 40 cans and ice - which makes it perfect for a fun day at the lake, pool, or beach.

Winner will be randomly selected on May 11th at 12 pm.
Last three featured businesses in our #SideHustleSeries:
Cindy & Alan Taylor started Two Sisters and an Angel in 2012 while attending many horse events nationwide. Today, they rent a kiosk outside of FNB Community Bank's branch in the BX building.

When asked how being an FNB Community Bank customer, they said, "We have been outside of your office in the TAFB BX for almost 9 months now and the staff and management have always been there to help with any money needs we have had to deal with. We really enjoy working with Michelle and Garrett. We will be moving all of our business and personal accounts to FNB over the next couple months."

If you would like to shop more of their items, but can't make it to their pop-up shop, visit them at the BX on TAFB or  their online store
After retiring from the post office, Linda Bostwick decided to go for it and start her own title company in Moore, Oklahoma with her business partner and daughter-in-law, Thao! They started Bostwick Title Services around 4 years ago to help people attain titles to cars, motorcycles, boats, RVs, mobile homes, etc.

She was inspired to start Bostwick Title Services by a previous post office customer who showed her the ropes. Linda's goal for her business is to continue to grow. She said, "We love helping people and I think that is what we enjoy about our business - we have a service that helps people."

If you would like to contact Linda to inquire about Bostwick Title's services, call (405)550-1883 or call Thao at (405)388-7252.
Joy Jewell started her journey with Usborne Books & More five years ago and is now a team leader. Usborne and Kane Miller books are the most exciting, engaging, and educational books on the market today. They are high-quality, innovative, lavishly-illustrated, and best of all, they are the books kids love to read. Choose from over 1,800 bright, colorful, and fun titles covering a wide variety of subjects.

Want a sneak peek of all Usborne Books & More has to offer? Download this  FREE ACTIVITY SHEET  Joy has graciously provided!

Facebook Page: 
Contact Joy: 
Shopping Website: 
Would you like us to feature your side hustle or small business?
  • Shop online to earn 10 Points per $1 at Clinique.com.
  • Shop online to earn 14 Points per $1 at eBags.com.
  • Shop online to earn 20 Points per $1 at ProFlowers.com.
  • Shop online to earn 12 Points per $1 at SharisBerries.com.
  • Shop online to earn 14 Points per $1 at Shoes.com.
  • Earn 15 Points per $1 at Blue Seven in OKC on purchases of $200 or more.
  • Shop online to earn 10 Points per $1 at 1-800-FLOWERS.COM.
  • Shop online to earn 500 Points at CheapOair.com.
  • Shop online to earn 10 Points per $1 at Fossil.com.
Graduation is approaching! Do you have your gift picked out yet?
Big Brothers Big Sisters of Oklahoma’s annual fundraiser, Bowl For Kids’ Sake, is coming up! 
Show your support of Oklahoma’s youth by donating at either our Midwest City, Del City, or Harrah branch!

One of our very own employees,  Julie Waddle , is a “Big Sister” volunteer at Edgemere Elementary and said, “The mission of BBBS is very special to me because I believe every child deserves the chance to have a role model to look up to like the way I did with my own biological big sister  👯‍♀️  while growing up. I have been a “Big Sister” to two girls now and hope to be involved for many years to come.”

We will be collecting donations for BBBS until May 31st. To learn more about how you can get involved, visit  bbbsok.org.
Chubby's Grill Food Truck is coming to our Harrah Branch on May 25th ! Stop by on your way to the lake for Memorial Weekend!
Sam's has recently updated their check-out system and it has been causing some confusion.

When you want to use your FNB debit card as Credit and sign for your purchase to earn uChoose Rewards points, instruct the cashier or select DEBIT on the self check out screen. Then, insert your debit card and select "Other." Next, select "Sign For Purchase" and it will process as a Credit.

For visualization, each picture has corresponding instructions on it below.
Your Business is Our Passion
We proudly tailor our business term loans to the unique needs of your business, whatever they may be — whether you’re just starting out or set for record growth. How can we help grow your business?

Cryptocurrency Scams, More Than a “Bit” Unsettling

Cryptocurrency is now being used by the bad guys to scam you. If you’ve never heard of cryptocurrency, it is a digital currency that uses encryption methods to secure transactions. Completely managed online, it’s a “no banks for your bucks” type service.

Cryptocurrencies, like Bitcoin and Ripple, are appealing to individuals looking to make an investment. Unfortunately, the bad guys are making an investment of their own - it involves you being fooled!

Here’s how the scam goes: The bad guys send phishing emails claiming there was a bitcoin (BTC) transaction made to, or from, you. It mimics the alert you would normally receive from an online wallet. Something like,

“A payment of 0.791049 BTC has been received into your wallet and is pending confirmation.”

Then they ask you to click a link to view or confirm your transaction. The bad guys expect you to click without thinking, since it involves your finances! That’s when the bad guys win.

The best way to combat this scam? STAY ALERT! Don’t be a victim. Before clicking a link within an email, hover over it to see where it will take you. 

Let's stay safe out there!

Stop, Look, and Think. Don't be fooled.

Each week, we will be highlighting a current scam facing the country. You can find all of these messages on our blog: https://www.fnbmwc.com/advice-planning/education/blog/
If your current auto loan interest rate makes you pucker, it's time to drive it over to FNB Community Bank!

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. 

Auto Loans start at 2.99% APR*

* Annual Percentage Rate (APR) for qualified borrowers with approved credit and auto debit from FNB Community Bank account, on new loans, or refinance of non-FNB Community Bank loans. Model year limits may apply.
Happy (early) Mother's Day!
Please be advised: FNB Community Bank will be closed Monday, May 28th in honor of Memorial Day. Normal banking hours resume Tuesday, May 29th.
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