Friday, March 27, 2020

Refinance Your Home Loan TODAY!

Yes, mortgage rates are so low right now due to the COVD-19 epidemic. This crazy time in history has effected rates and made home loans more affordable for YOU! With that being said, call our bank at the Lake of the Ozarks today and ask about mortgage rates. Our home loans at the Lake of the Ozarks could be exactly what you've been searching for in order to buy your DREAM HOME. First Bank of the Lake can be reached at (573) 348-2265. In the meantime, keep reading this week's blog for more information on our mortgage loan services and our loan officers.


Refinance Your Home Loan TODAY!


Our experienced lenders specialize in providing financing for all types of real estate projects. Plus, we underwrite and service all loans. We respond quickly to your needs with flexible, common-sense lending solutions.

• Residential Loans
• Commercial Loans
• Construction
• Second Homes
• Condominiums
• Buy or Refinance

We’re 1st with Competitive Rates, Flexible Terms and Low Closing Costs. We make the loan process easier. Call us 1st!


Loan Experts Who Put You First!


Linda Allen NMLS# 554777 
Gwen Sullens NMLS# 710200



Gwen Sullens

How did you get started in the banking industry?
Started in 1987 as a teller.

What is your position at the bank? What are some of your key responsibilities?
V.P. Loan Officer, In house ARM, Secondary, Construction, Lot, personal commercial loans

What do you enjoy the most about your job?
Being in small town banking and knowing your customers and helping with their needs


Linda Allen

How did you get started in the banking industry?
I started as a loan processor in 1978 and for ten years worked at a title company.   In 1993 I started working at First Bank Centre, now First Bank of the Lake, for 13 years . . . . after 10 years I had an opportunity to come back to First Bank of the Lake and it has been a great experience.    It was like I never left!

What is your position at the bank?   What are some of your key responsibilities?
I am Sr. Vice President and Loan Officer.   I process and approve consumer, residential, commercial and construction loans.

What do you enjoy the most about your job?
I enjoy helping customers obtain their goal of home ownership, purchase a new vehicle or expand or purchase a new business.   I often run into bank customers who I did their first home loan . . . some still have that same home.   I am here to help if customers need a home loan, second home loan or just want to get preapproved so they can shop for their dream home.


Home Loans at the Lake of the Ozarks


All of us here at First Bank of the Lake hope you are being safe during this uncertain time. For more information on our home loans, please give us a call today. You can also stay up to date on our latest announcements by following us on our social media channels listed below.




First Bank of the Lake - Striving For Excellence
Member FDIC. Equal Housing Lender.


Located at the entrance to the Osage Beach Premium Outlets!

4558 Osage Beach Parkway

Suite 100
Osage Beach, MO 65065

(573) 348-2265

Friday, March 20, 2020

Mobile Banking From The Comfort of Your Own Home

Now, it's more important than ever to feel like you don't have to leave your home, right? That should be true for your banking, as well. Good news! This bank at the Lake of the Ozarks is here to tell you about the comforts you can enjoy from your own home when it comes to mobile banking, in this week's blog. To sign up for our mobile banking at the Lake of the Ozarks, call First Bank of the Lake today at (573) 348-2265.


Mobile Banking From The Comfort of Your Own Home


Deposit Checks From Your Living Room!
There's no need to hop in your car and expose yourself to all the germs in the world when you can simply deposit your checks from the comfort of your living room. All you have to do is take out your smartphone, log in to the First Bank of the Lake Mobile Banking App and snap a photo of your check and BOOM, your check is deposited. It's so easy your children could do it!

Transfer Money While You're Still In Your PJs!
You don't need to get dressed for the day, groom yourself, and get ready for a trip to the bank, all because you have to get some money transferred from your savings to your checking as soon as possible. Enter Mobile Banking at First Bank of the Lake. This App really allows you to do much from the convenience of your home, but if you are needing money immediately to cover a bill that is scheduled to be taken from your checking, transfer the funds by just using your smartphone. This App takes the stress out of managing your money!


Check Your Balances From ANYWHERE In Your Home!
You don't even need to waste time calling the bank or especially getting out of your house, hopping in the car and rushing to the bank before they close all to just find out what your checking or savings account balances are. You can find out in seconds by using the convenience of the First Bank of the Lake Mobile Banking App!


Have Questions About Mobile Banking at First Bank of the Lake?


We are here to answer them! If you are interested in the convenience that comes with Mobile Banking, give us a call today. We are all being told to stay in our homes as much as possible. Mobile Banking allows you to bank from anywhere, so this is the perfect solution to managing your money from home. Sign up for Mobile Banking at First Bank of the Lake today! You can also learn more about this fantastic product by visiting our website at www.FirstBankLake.com. Follow us on our social media channels listed below to stay up to date on our latest announcements.




First Bank of the Lake - Striving For Excellence
Member FDIC. Equal Housing Lender.


Located at the entrance to the Osage Beach Premium Outlets!

4558 Osage Beach Parkway

Suite 100
Osage Beach, MO 65065

(573) 348-2265

Friday, March 13, 2020

The EASY Way To Manage Your Money – Online Banking

Our Lake of the Ozarks bank is very happy to offer online banking to our customers. We truly believe it is one of the EASIEST ways to manage your money. Keep reading this week's blog to learn more about the online banking product we offer here at our bank in Osage Beach. To get online banking for yourself, call First Bank of the Lake today at (573) 348-2265.


The EASY Way To Manage Your Money – Online Banking


What is Online Banking?
Online Banking is our online service that allows you to access your account information  24 hours a day, 7 days a week. Using Online Banking, you can:

  • View real-time account balances, check images and history
  • 24-hour access to checking, loans and CDs
  • Export history to financial software or spreadsheets
  • Transfer funds between accounts
  • Pay bills online
  • Request stop payments


What do I need to bank online?
Banking online is easy. Online Banking works well on most of today's browsers and must support 256-bit SSL encryption. If your browser does not support these encryption levels, you'll need to update it. To get started, simply enroll to receive your log in information.

What types of accounts can I view with Online Banking?
With Online Banking, you can view all your First Bank of the Lake accounts, as well as loans.

How often is my account information updated?
Account information is updated in real-time, offering you the most current information available.

How secure is my personal account information?
First Bank of the Lake uses the latest Internet security available, including secure communications (SSL), firewalls, 256 bit encryption, and operating systems that have been designed to provide maximum security.

Why am I signed off sometimes and I have to sign in again?
If Online Banking has been inactive for a period of time, Online Banking may automatically sign you off to prevent unauthorized use of your accounts, and to prevent others from viewing your information.

Can I pay my bills using Online Banking?
Yes. You can make payments to anyone in the United States from the utility company to the local babysitter. You may schedule payments to be made immediately or on a specified date in the future. You can even set up recurring payments so you do not have to worry about paying your regular bills. Recurring payments can be set up weekly, semi-monthly or monthly. Bill Pay eliminates the need for writing checks or addressing envelopes. More importantly, it saves you time and simplifies your busy life. (Fees may apply)

What type of account is required for Bill Pay?
Bill pay can only be used with a checking account.

May I pay bills from more than one checking account?
Yes.

How far in advance should I set up a payment to ensure it is paid on time?
We recommend that payments should be made at least five (5) business days in advance of the due date of the payee.

Can I transfer funds between my accounts?
Yes, you can transfer funds between any of your First Bank of the Lake accounts.

Do I need extra software or hardware to use Online Banking?
No extra software is necessary. You can access your First Bank of the Lake accounts from almost any PC that has Internet access.

Will Online Banking work with my current Internet Service Provider?
Yes, Online Banking works with any ISP.

Can I access my accounts from both home and work?
Yes, you can access your accounts from almost any PC.


Online Banking at First Bank of the Lake


All of us here at First Bank of the Lake hope you found this blog enlightening. You should be able to manage your money in a stress-free way. If you have any additional questions about our online banking, please contact First Bank of the Lake for assistance.




First Bank of the Lake - Striving For Excellence
Member FDIC. Equal Housing Lender.


Located at the entrance to the Osage Beach Premium Outlets!

4558 Osage Beach Parkway

Suite 100
Osage Beach, MO 65065

(573) 348-2265

Friday, March 6, 2020

What Does FDIC Really Mean? The More You Know, The Safer Your Money.

Have you ever seen the abbreviations FDIC at your bank or on your bank's website or all over your bank's social media? Have you ever wondered what that term means? If so, this is the blog for you! FDIC is more important than you may realize and our Lake of the Ozarks bank is here to explain how the Federal Deposit Insurance Corporation (FDIC) protects your money in this week's blog. To bank with a bank at the Lake of the Ozarks that values protecting their customer's money and does what it takes to do so, call First Bank of the Lake today at (573) 348-2265. Visit our website at www.FirstBankLake.com to learn about the rest of the services we provide. You can also follow us on all of our social media channels to stay up to date on our latest announcements. They are listed at the end of this blog.


What Does FDIC Really Mean? The More You Know, The Safer Your Money.


Deposit Insurance Coverage
The more you know, the safer your money.

The FDIC – short for the Federal Deposit Insurance Corporation – is an independent agency of the United States government. FDIC coverage protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

All FDIC-insured banks must meet high standards for financial strength and stability. The FDIC, with other federal and state regulatory agencies, regularly reviews the operations of insured banks to ensure these standards are met.

The FDIC insures all deposits, including checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit.

On July 21, 2010, the deposit insurance coverage for all deposit accounts was permanently raised to $250,000 per depositor, per insured depository institution for each account ownership category. Insurance coverage for certain retirement accounts, which include all IRA deposit accounts, was increased permanently to $250,000 per depositor in 2006.

The FDIC does not insure the money you invest in stocks, mutual funds, life insurance policies, annuities, or municipal securities, even if you purchased these products from an insured bank. The basic insurance amount is $250,000 per depositor per insured bank.



All of us here at First Bank of the Lake hope you found this blog enlightening. If you have any questions about FDIC, please call our bank in Osage Beach today at (573) 348-2265. Here at First Bank of the Lake, we are here for you and we don't try to sell you a product you don't need. We listen to your needs and give you expert advice on what banking products can help you!




First Bank of the Lake - Striving For Excellence
Member FDIC. Equal Housing Lender.


Located at the entrance to the Osage Beach Premium Outlets!



4558 Osage Beach Parkway
Suite 100
Osage Beach, MO 65065

(573) 348-2265

Friday, February 28, 2020

Why Business Bill Pay?

As a business owner who wants to be successful, you should use every tool and resource at your disposal. Our bank at the Lake of the Ozarks is here to show you how using business bill pay can help you be more successful when trying to make sure all your vendors, employees, suppliers, etc. are paid. Keep reading this week's blog for the benefits and reasons to use business bill pay for your business. If you end up having any questions, please call First Bank of the Lake today! Our bank in Osage Beach can be reached at (573) 348-2265.


The Benefits of Business Bill Pay


Introducing Bill Pay from First Bank of the Lake.

Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.

Features:

  • Administer three levels of authorized users with dual control features.
  • Pay any person or company in the U.S. except court-ordered payments and state and federal tax payments.
  • Receive and pay e-Bills online.
  • Schedule repeating payments.
  • Electronically link invoice and credit memo information with your payments.

Free up more of your time to focus on your business.
Using Business Bill Pay at the Lake of the Ozarks can be a real time saver. With this fantastic tool, you don't have to set aside time every month or every week, depending on how often you pay your bills, write your checks and mail out your bills. It's all done electronically and effortlessly on your part!



Be AHEAD of your competition and stay up to date on the latest business tools.
This is your opportunity to be more organized than your competition possibly. Stop stressing about paying your business's bills each month and give yourself an organized way of doing so. That is Business Bill Pay at First Bank of the Lake.

Solve a problem your business has - paying bills on time.
Potential customers and other business owners you may be working with from time to time want to know you're organized and dependable. Business Bill Pay can help you be both. Get your bills in order and check this fantastic tool out.


First Bank of the Lake - Bringing Your Business Useful Tools!


We've said this before and we think it's worth saying again, we don't try to sell you a loan or service you don't need, truly. We make all of our decisions right here at home - we use judgment and compassion when evaluating customer requests. Our goal is to find the right product or service to meet your financial needs, so if you are a business owner struggling to pay your bills on time due to not having an organized system of doing so, give us a call. We're sure we have the perfect tool right here, to meet your needs. Check out our website at www.FirstBankLake.com for more information, you can also follow our social media channels listed below to stay up to date on our latest announcements.


Want More Awesome Finance Tips? Sign Up For Our Newsletter!


First Bank of the Lake - Striving For Excellence
Member FDIC. Equal Housing Lender.


Located at the entrance to the Osage Beach Premium Outlets!

4558 Osage Beach Parkway

Suite 100
Osage Beach, MO 65065


(573) 348-2265

Friday, February 21, 2020

What's Happening in Our Community?

Our Lake of the Ozarks bank truly loves this community! We enjoy sharing information with you about local events each month. Supporting each other helps our community prosper. Local banking makes a difference and when you choose to bank locally you're growing YOUR economy. This Osage Beach bank is excited to tell you about local events coming up this month in this week's blog. To bank locally with an experienced bank with more than 30 years at the Lake of the Ozarks, call First Bank of the Lake today at (573) 348-2265. You can also stop by and visit us at the entrance to the Osage Beach Premium Outlets. Learn about the products we offer and visit our website at www.FirstBankLake.com.


Source: www.FunLake.com

WINTERFEST 2020
Feb 22, 2020
Margaritaville Lake Resort
494 Tan Tar A Drive
Osage Beach MO 65065
Phone: 636-346-5086
Website: http://www.daybreakrotary.org
Facebook: https://www.facebook.com/events/3073572089326487/
Hours of Operation: 5:30 pm – 11:00 pm

Event details:

  • Tickets are $60 a piece or a table of 10 for $600. 
  • The theme is Adventure Awaits so come in your best travel/adventure costume! 
  • Event tickets include buffet, live and silent auction and live band-The Rosy Hips!

Improv Jam at Great Stone Coffee
Feb 22, 2020
Great Stone Coffee
1375 Hwy KK
Osage Beach MO 65065
Phone: 573-693-9273
Email: events@greatstonecoffee.com
Website: https://greatstonecoffee.com/
Facebook: https://www.facebook.com/events/643805563088828/
Hours of Operation: 7 pm

Event Details:

  • Live Improv in the style of "Who's Line is it, Anyway?". 
  • Hosted by the seasoned teacher, performer, and author Mary DeMichele, this is a family friendly evening of fun.


Teachers' Night Out at Stark Caverns
Feb 27, 2020
Stark Caverns
125 Cave Drive
Eldon MO 65026
Phone: 573-369-3306
Email: michelle@starkcaverns.com
Website: https://starkcaverns.com/learningrocks
Hours of Operation: 4:30 pm - 7:30 pm

Event Details:

  • Educators are invited to enjoy an evening of refreshments and learning at Stark Caverns on Thursday, February 27. 
  • This free event will offer a preview of the new in-cave, hands-on learning program for elementary and secondary school students, designed to align with Missouri Learning Standards. 
  • Complimentary appetizers, wine, beer, and beverages will be served. 
  • Educators are welcome to stop in anytime between 4:30 pm and 7:30 pm and are encouraged to allow at least thirty minutes to enjoy the experience. 
  • A valid school ID is required at check-in. 
  • An RSVP is requested to allow for planning. 


Home, Business & Lake Living EXPO
Feb 28, 2020 - Feb 29, 2020
Lodge of Four Seasons - Campana Hall
315 Four Seasons Dr.
Lake Ozark MO 65049
Phone: 1-800-769-1004
Email: info@camdentonchamber.com
Website: http://camdentonchamber.com/home-business-lake-living-expo/
Hours of Operation: Fri: 3 pm to 7 pm; Sat: 9 am to 5 pm

Event Details:

  • The show will feature a wide range of products and services including consumer goods, health and wellness, building contractors and suppliers, plumbing and electrical supplies; home improvement and remodeling, and much more. 
  • EXPO 2020 will feature a diverse selection of products and services for business, home, personal and lake living.


All of us here at your local community bank at the Lake of the Ozarks hope you enjoy yourself if you are able to make it out to any of these events. The Lake area has come so far over the years and it can be said: "it takes a village." Neighbors supporting neighbors, businesses supporting businesses - bank local and support your community today. Follow First Bank of the Lake on all of our social media channels listed below to stay up to date on all of our latest announcements.


Want More Awesome Finance Tips? Sign Up For Our Newsletter!


First Bank of the Lake - Striving For Excellence
Member FDIC. Equal Housing Lender.


Located at the entrance to the Osage Beach Premium Outlets!

4558 Osage Beach Parkway

Suite 100
Osage Beach, MO 65065


(573) 348-2265

Friday, February 14, 2020

Manage Your Money Anytime, Anywhere with Mobile Banking!

Manage your money, what a powerful thing! It's your money, right? Why shouldn't you have access to it at all times? Managing your own money can mean many things, such as depositing your paychecks, checking your account balances, accessing your money so you can pay your bills, withdrawing money for miscellaneous use, etc. Our bank at the Lake of the Ozarks is here to tell you about the solution to managing your money anytime, anywhere - Mobile Banking. Make managing your money work for you again and call First Bank of the Lake today to get signed up for mobile banking. We can be reached at (573) 348-2265. You can also learn more about Mobile Banking at First Bank of the Lake by visiting our website at www.FirstBankLake.com.


Manage Your Money Anytime, Anywhere with Mobile Banking!


Perks of Mobile Banking:

Download the App
View real-time account balances.
View transaction history.
Transfer money between accounts.
Pay bills and send money.
Deposit checks.
Find ATM/Branch location information.

Accounts
View real-time account balances.
View transaction history.

Transfer and Pay
Make internal transfers between accounts.
Transfer money to and from other institutions.
Pay bills and manage payees.

Deposits
Deposit checks 24/7
Use the ease of your smartphone camera.


You can really manage your money anytime, anywhere with Mobile Banking.

Instant Balance: When enabled, users can securely preview balances without logging in.
Touch/Fingerprint ID: Log in using your fingerprint instead of a password with Apple's Touch ID or Android's Fingerprint Authentication or Facial Recognition.
Account Balances: View your account balances in real-time.
Recent Transactions: View both recent and pending transactions.
Check Images: View images of the front and back of your checks.
Transfer Funds: Easily move money between your accounts.
Add Contacts: Add companies and people to send money to.
Send Money: Schedule payments to companies and people.
Deposit Checks: Deposit paper checks using your phone's built-in camera.

Fully secure.
Use Mobile Banking with complete confidence. It delivers the highest level of security thanks to multiple layers of authentication.


Manage Your Money in The Best Way with First Bank of the Lake!


All of us here at our Lake of the Ozarks bank hope you found this blog helpful and enlightening. You should be able to manage your money in a way that works for you and not the other way around. Our community bank in Osage Beach never tries to sell you on a financial product you don't need. We specialize in delivering the best customer service possible to each and every person who walks through our doors or calls us. Learn more and visit our website at www.FirstBankLake.com. First Bank of the Lake - Local Banking Makes a Difference.


Want More Awesome Finance Tips? Sign Up For Our Newsletter!


First Bank of the Lake - Striving For Excellence
Member FDIC. Equal Housing Lender.


Located at the entrance to the Osage Beach Premium Outlets!

4558 Osage Beach Parkway

Suite 100
Osage Beach, MO 65065


(573) 348-2265