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Running a business in Oklahoma takes grit, vision, and the right financial partner. From family-owned shops in small towns to expanding enterprises in Oklahoma City, local businesses are the backbone of our state's economy. At First Liberty Bank, we proudly walk alongside these businesses, offering banking services, genuine partnership, guidance, and community investment.

Our mission goes beyond holding deposits or processing payments — it is about helping Oklahoma businesses thrive. Whether launching a startup, expanding a nonprofit, or managing a growing corporation, First Liberty Bank provides the tools, resources, and relationships you need to succeed.

This article will explore how First Liberty Bank supports Oklahoma businesses through personalized banking solutions, advanced treasury management tools, community engagement, and a dedication to building strong local economies.

Why Local Businesses Matter to Oklahoma

Small and mid-sized businesses power Oklahoma's economy. According to the U.S. Small Business Administration, more than 99% of Oklahoma businesses are small, employing nearly half of the state's workforce. These businesses provide essential services, create jobs, and strengthen communities.

At First Liberty Bank, we recognize their importance and tailor our services to meet their unique needs. Unlike national institutions, we are not a faceless organization — we are a community bank invested in the success of our neighbors.

Personalized Banking Solutions

Every business is different. That is why First Liberty Bank offers a variety of business checking and savings accounts designed to meet organizations where they are.

• Commercial Checking – Ideal for businesses of all sizes and scales, with features designed to maximize business security
• Small Business +1 Checking – A great banking solution for businesses in Oklahoma with large or significant monthly transaction volumes
• Enterprise Business Checking – Designed for growing small businesses with low monthly transactions.
• Nonprofit Checking – Designed to make banking easy for those organizations that serve the community.
• Provider Preferred Checking – A specialized solution for healthcare professionals.

On the savings side, we offer:

• Business Savings Accounts for everyday reserves
• Commercial Platinum Money Market Accounts for higher-yield opportunities
• Certificates of Deposit (CDs) for longer-term growth
• Nonprofit Money Market Accounts designed to help organizations build reserves responsibly

These accounts are not one-size-fits-all. They are part of a personalized banking strategy crafted with our business clients in mind.

Advanced Treasury Management Tools

Oklahoma businesses face the same financial challenges as larger corporations: managing cash flow, protecting against fraud, and optimizing payables and receivables. That is why First Liberty Bank invests in Treasury Management Services, which are usually reserved for "big banks," but delivered with the personal touch of a community partner.

Payables Solutions

• Domestic Wire Transfers for urgent, high-value payments
• ACH Disbursements to simplify payroll and vendor payments
• Commercial Bill Pay for efficient expense management
• Corporate Credit Cards to streamline business expenses

Receivables Solutions

• Remote Deposit Capture (RDC) for quick and convenient deposits
• ACH Collections for recurring donations, memberships, or customer payments
• Merchant Services to accept card payments with ease
• Lockbox Services to manage high volumes of incoming payments
• Courier Services for deposit pickup when time is tight

Fraud Prevention & Security

• Positive Pay (Checks & ACH) with payee validation
• ACH Debit Block/Filter for protection from unauthorized withdrawals
• Multi-Factor Authentication & Soft Tokens for secure digital banking

Liquidity Management & Reporting

• Zero Balance Accounts (ZBA) to simplify cash management
• Intrafi® Network Deposits to insure multi-million-dollar balances
• Business Digital Banking for account access anytime, anywhere

These services give Oklahoma businesses the same sophisticated tools as national competitors, paired with local expertise.

A Partner in Growth

First Liberty Bank does not just provide services; we provide guidance and partnership. Our business bankers take the time to understand your goals, challenges, and vision for the future.

That might mean:

• Helping a small business set up its first payroll system
• Advising a nonprofit on managing restricted funds
• Working with a medical practice to implement secure merchant services
• Supporting a family-owned company with succession planning

We believe banking should be about more than numbers — it should be about relationships.

Investing in Oklahoma Communities

Our commitment extends beyond the businesses we serve. First Liberty Bank actively invests in Oklahoma communities through:

• Sponsorships of local events that bring people together
• Philanthropic partnerships with nonprofits addressing critical needs
• Volunteerism by our employees, who dedicate time and talent to community causes

When you bank with First Liberty Bank, you are not just getting a financial partner — you are joining a community that believes in giving back.

Local Service, Big-Bank Technology

One of the challenges businesses face is balancing personal service with advanced technology. At First Liberty Bank, we believe you should not have to choose.

We combine state-of-the-art digital banking tools with the ability to walk into a local branch and talk to someone who knows your name. This hybrid approach allows Oklahoma businesses to compete in a global economy while keeping banking relationships close to home.

Why Businesses Choose First Liberty Bank

• Personalized Attention – You're more than an account number. We take the time to understand your goals.
• Advanced Tools – From ZBAs to Intrafi, we deliver solutions usually reserved for larger banks.
• Community Focus – We're invested in Oklahoma's success, not just our own.
• Trusted Expertise – Our treasury team provides guidance tailored to your industry.
• Long-Term Partnership – We grow with you, adapting services as your needs evolve.

Real-World Success Stories

A Growing Nonprofit

A local nonprofit struggling with donor fund management turned to First Liberty Bank. They gained transparency, security, and donor confidence by opening a Nonprofit Checking Account paired with Positive Pay fraud protection.

A Regional Retailer

A retailer with multiple locations faced challenges reconciling cash flow. We implemented Zero Balance Accounts and ACH disbursements, simplifying payroll and centralizing funds, saving time and money.

A Professional Practice

A medical group needed secure, convenient ways to collect patient payments. By combining Merchant Services with Provider Preferred Checking, they streamlined billing while ensuring funds were deposited securely.

These are just a few examples of how First Liberty Bank supports Oklahoma businesses daily.

Final Thoughts

Oklahoma businesses deserve more than just banking services — they deserve a partner committed to their success. At First Liberty Bank, we proudly provide personalized solutions, advanced treasury management tools, and a genuine investment in our communities.

From small startups to established enterprises, we are here to help you simplify finances, strengthen operations, and achieve long-term growth.

Ready to partner with a bank that puts Oklahoma businesses first? Contact an FLB Associate today and let us build your future together.

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