Author Archives: FNB

Protecting Your Finances: A Guide to Spotting and Avoiding Common Browser Security Flaws

Browser Security Flaws

In today’s digital age, the convenience of online banking has become an integral part of managing our finances. However, along with the convenience comes the responsibility of ensuring the security of our financial information. Unfortunately, the very tools we rely on to access our accounts – web browsers – can sometimes harbor vulnerabilities that cybercriminals […]

Unlocking the Potential: The Advantages of Partnering with a Seasoned USDA Lender Specialist

In the vast landscape of financial services, navigating the intricacies of loans and mortgages can often feel like exploring uncharted territory. This rings especially true for individuals and businesses seeking to tap into the benefits of USDA guaranteed loans for rural development. Enter the seasoned USDA lender specialist – a guiding beacon in the realm […]

ACH vs. Wire Transfers: Understanding the Difference

ACH and Wire Transfers

In the world of financial transactions, understanding the distinctions between different methods is crucial for making informed decisions. Two commonly used methods are Automated Clearing House (ACH) transfers and Wire transfers. In this blog post, we’ll delve into the nuances of ACH and Wire transfers, exploring their definitions, benefits, differences, and factors to consider when […]

Comprehensive Beginner’s Guide to USDA Rural Energy for America Program (REAP) and REAP Grants

In a world where sustainable and renewable energy solutions have become paramount, the USDA Rural Energy for America Program (REAP) stands out as a source of hope for rural businesses and agricultural producers seeking a greener and more efficient future. This comprehensive guide, drawing insights from our “What is a USDA REAP” blog post here, […]

What Is a Contactless Payment?

Gone are the days of fumbling through bags and wallets to count out cash. In this digital age, we’re witnessing the rise of contactless payments. But what is a contactless payment, and how does it work?  This comprehensive guide will explore contactless payments, their mechanisms, acceptance, types, benefits, and even how to obtain a contactless […]

How Do ICS and CDARS Work?

In today’s economic landscape, savvy depositors always seek secure and convenient ways to manage their funds. Large depositors, in particular, face the challenge of finding safe avenues to deposit their substantial cash holdings while ensuring their investments remain fully insured. Two options that have gained popularity in recent years for addressing this concern are ICS […]

Commercial Real Estate Loans in Oklahoma and How They Work

Commercial Real Estate Loans in Oklahoma and How They Work

If you’re considering investing in commercial real estate in Oklahoma, consider applying for a commercial real estate loan. This financial tool helps entrepreneurs and businesses acquire, develop, or refinance commercial properties.  How does a commercial real estate loan work? This blog post will explore everything you need to know about commercial real estate loans. Overview […]

What’s the Difference Between a USDA Guaranteed Loan and a Balance Sheet Loan?

What’s the Difference Between a USDA Guaranteed Loan and a Balance Sheet Loan?

When it comes to financing options for businesses, two common choices are USDA guaranteed loans and balance sheet loans. These loans play a crucial role in helping companies secure the necessary capital for growth, expansion, or operational needs. However, they have distinct features and eligibility requirements that every business owner should understand before deciding which […]

Understanding ACH Fraud: Safeguarding Your Finances

Understanding ACH Fraud: Safeguarding Your Finances

In an increasingly digital world, financial transactions have become more convenient than ever. One such transaction method is the Automated Clearing House (ACH) system, which facilitates electronic funds transfers, making it easier to manage bill payments, direct deposits, and more. However, this convenience comes with a downside: the rise of ACH fraud. In this comprehensive […]

Common Myths and Misconceptions About USDA Guaranteed Loans

Common Myths and Misconceptions About USDA Guaranteed Loans

Myth 1: USDA Loans Are Only for Farmers and Ranchers One of the most common misunderstandings about USDA Guaranteed Loans is that they are solely intended for farmers and ranchers. This couldn’t be further from the truth, as the USDA Guaranteed loan programs that fall under the OneRD regulation (business + industry, community facilities, rural […]