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Business and Personal Banking, Real Estate LendingHome Loans We have the team that can bring you home – right rates, right now. Learn More Open a business accountEvery new business checking account includes many free features and a free gift at opening.More About Business Accounts Open a personal AccountEvery new personal account includes many free services, including a free gift at opening.More About Personal Accounts Apply for a home loanBuying a home can be easy. Prequalify so you know how much home you can afford.Apply Online Wealth Impact Strategies Partnering with you to deliver all of the financial services you need to manage, grow, and protect your wealth. Advisory Services Debit Cards Safer than cash, more flexible than checks. Add fraud protection, free replacement if lost or stolen, and access to CardValet, and you have banking with maximum convenience. Card Options Merchant Services Everyone loves options. Increase revenue by giving your customers the flexibility to pay with Visa, MasterCard, American Express, Discover or gift cards. Receivables Solutions Insights Partnering with you to deliver all of the financial services you need to manage, grow, and protect your wealth. Insights NEW Business Account Check out our new Business Account Options & Gifts that Kirkpatrick Bank has to offer! Find Out More Info NEW Personal Account Check out the NEW Personal Checking Options & Gifts that Kirkpatrick Bank has to offer! Find Out More Info Annual Report 2017 was a very good year for us and our customers. Read all about it. Download Personal Loans These are simple interest loans with NO prepayment penalty. Quick decisions, flexible terms and pre-approved loans. View Loan Types Remote Deposit Our remote deposit service saves you time and gives you access to enhanced reporting and improved cash flow with same-day deposits. Receivables Solutions Debit Cards Safer than cash, more flexible than checks. Add fraud protection, free replacement if lost or stolen, and access to CardValet, and you have banking with maximum convenience. Card Options Merchant Services Everyone loves options. Increase revenue by giving your customers the flexibility to pay with Visa, MasterCard, American Express, Discover or gift cards. Receivables Solutions Insights Partnering with you to deliver all of the financial services you need to manage, grow, and protect your wealth. Insights NEW Business Account Check out our new Business Account Options & Gifts that Kirkpatrick Bank has to offer! Find Out More Info NEW Personal Account Check out the NEW Personal Checking Options & Gifts that Kirkpatrick Bank has to offer! Find Out More Info Annual Report 2017 was a very good year for us and our customers. Read all about it. Download 123
BusinessBusiness Accounts Lending Services Have a Question?Feel free to give us a call:Oklahoma City405.341.8222Colorado Springs719.866.6300Denver303.474.5000Toll Free
Personal Checking & Savings Accounts with No FeesLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Personal BankingHow to open a personal bank account Personal Checking & Savings Accounts with No Fees Personal More Savings Options Personal Loans Card Options Internet Banking Mobile Banking Cybersecurity Every new personal checking account includes: Free Debit Card Free Internet Banking Free Bill PayFree Mobile Banking Free Mobile DepositFree eStatements with online check images Free access to over 25,000 Kirkpatrick Bank and MoneyPass ATMs Nationwide Kirkpatrick Bank will not charge you a fee for using an out-of-network ATM Simply Free CheckingA FREE account for everyone! No minimum balanceNo monthly maintenance feeOpen with $50OPEN ACCOUNT ]50 Plus Interest CheckingA perfect account for customers 50 and better! Free standard checksCompetitive interestNo minimum balanceNo monthly maintenance feeOpen with $50OPEN ACCOUNT Direct Interest CheckingEarn Interest with the convenience of direct deposit or any automatic payment! Competitive InterestNo minimum balance No monthly maintenance feeOpen with $50OPEN ACCOUNT Preferred Interest CheckingAn account for those interested in higher interest! Free standard checksHigher interest rate with a balance of $1,500 or moreCompetitive interest if daily balance falls below $1,500Only $10 monthly maintenance fee if minimum daily balance falls below $1,500OPEN ACCOUNT Savings OptionsOpen An Account MONEY MARKETBASIC SAVINGSMINOR SAVINGSMinimum Opening Deposit$2,500.00$100.00$0.01Monthly Maintenance Fee$10.00$5.00NoneBalance Requirement to Waive Fee$2,500 Avg Daily$100 Avg DailyNoneAutomatic Transfers from Other AccountsYesYesYes Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
IRA, HSA Accounts & CDs for Long Term GoalsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit More Savings OptionsIRA, HSA Accounts, CDs + More Savings Options IRA, HSA Accounts & CDs for Long Term Goals Personal More Savings Options Personal Loans Card Options Internet Banking Mobile Banking Cybersecurity Zelle Certificates of Deposit CDs are FDIC insured and have a specific, fixed term (often three months, six months, or one to five years), and, usually, a fixed interest rate. At maturity, the CD can either be renewed or the money may be withdrawn together with the accrued interest. Individual Retirement Accounts (IRA)IRAs provide individuals the opportunity to make potentially tax-deductible contributions for retirement. Kirkpatrick Bank offers FDIC insured CDs for your IRA. Consult with your tax advisor to see how this account may benefit you.Health Savings Accounts (HSA)HSAs allow an individual to save money, potentially tax-deferred, for medical expenses. We offer a debit card with this account to make payments to medical providers easier. Consult with your tax advisor to see how this account may benefit you. More information is available at treasury.gov.Insured Cash SweepsMoney Market Deposit Accounts available through a network of banks offer access to multi-million dollar FDIC insurance protection, while working directly with just one bank – the bank you know and trustCertificate of Deposit Account Registry Service (CDARS)Certificate of Deposit accounts available through a network of banks offer access to multi-million dollar FCDIC insurance protection with terms ranging from 4 weeks to 5 years, while working directly with just one bank – the bank you know and trust. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Personal Home Equity Loans: FHA Mortgages & MoreLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Personal LoansHow to get a personal loan Personal Home Equity Loans: FHA Mortgages & More Personal More Savings Options Personal Loans Card Options Internet Banking Mobile Banking Cybersecurity Personal LoansKirkpatrick Bank personal loans are simple interest loans with NO prepayment penalty. You receive discounts with automatic payment from a Kirkpatrick Bank checking account. We offer quick decisions, flexible terms, and pre-approved loans. Personal Loans can address a variety of needs, including: New or used car, Recreational vehicle, Motorcycle, Boat, General consumer purpose loan.Please download, complete and print the application form and return it via mail or fax. Do NOT email. PERSONAL LOAN APPLICATION Oklahoma fax: 405-341-9125 Colorado fax: 719-866-6311 Real Estate LoansA Home Equity Loan is a great way to finance home improvements, education, vacations, or debt consolidation. Consult with your tax advisor to see how this loan may benefit you.Loan Application CO Loan Application OK Home Equity Line of CreditThe Home Equity Line of Credit allows flexibility to obtain funds as needed, unlike a traditional second mortgage, which provides funds all at once. An available balance is established within the credit line, against which checks may be written to cover a wide range of needs, including college tuition, home improvement, or a new business start-up. Loan Application CO Loan Application ok Mortgages The Kirkpatrick Bank Home Loans team is here to assist you with finding the right mortgage application for you and assisting you through every step of the process. We offer the following loan types: Residential, Commercial, Multi-Family Construction Loans, Conventional, Jumbo, VA, FHA, Private Bank Portfolio Financing Learn More Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Contact UsLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit ContactHave questions? Contact us. Contact Oklahoma405.341.8222Colorado Springs719.866.6300Denver303.474.5000Westcliffe 719.783.2030Toll Free1.866.262.2657 Lost or Stolen Card1.800.472.3272KB Connection Line405.341.33301.866.652.2657 (toll free) Name Email Phone Number Subject Message Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
AboutLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit About About Family History Bank History Annual Report Officers & Directors Family HistoryThe Kirkpatrick Family has interests in banking, energy and philanthropy spanning five generations in Oklahoma and Colorado.LEARN More about the FAMILY History Bank HistoryKirkpatrick Bank is a business bank serving Oklahoma and Colorado. Chartered in 1970, the bank was acquired by the family in 1988.learn more about the bank history Annual ReportView, download, or print our Annual Report. If you would like a printed version, you may request a copy from your banker. View Annual Report LeadershipMeet our Officers and Board of Directors Read More our leadership Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
The History of Kirkpatrick BankLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Bank History The History of Kirkpatrick Bank Family History Bank History Annual Report Officers & Directors Mack BlakeMack Blake Owned and operated a multi-state wholesale dry goods company. He was a founding investor in Liberty National Bank formed in 1918 with offices near his Oklahoma City storefront. The U.S. Comptroller, recognizing his role as a business leader, appointed Blake president of the reorganized Security National Bank of Lawton. This bank merged with Liberty in 1925. In 1933, an estimated 4,000 banks failed with a loss of $140 billion in deposits. The Great Depression ushered in a decade of severe economic hardships. Blake mortgaged his home and invested his personal insurance policies to recapitalize Liberty Bank and avoid insolvency or forced sale. John KirkpatrickJohn Kirkpatrick U.S. Navy rear admiral, oilman, inventor, and philanthropist. After Mack Blake’s death, Kirkpatrick assumed control of his father-in-law’s role on the board of directors of Liberty National Bank. It flourished, becoming Oklahoma’s second-largest bank. Oil prices dropped in 1981 and the state’s economy suffered, starting a string of bank failures including Penn Square Bank in 1982. By 1988 only two of Oklahoma’s ten largest banks remained, including Liberty. Kirkpatrick devised the Oklahoma Plan to save the bank from forced sale. The Kirkpatrick family pledged $20 million to recapitalize the bank which ultimately led to its economic recovery. Christian KeeseeChristian Keesee Businessman, art collector, chair of all Kirkpatrick enterprises and philanthropies, founder of Green Box Arts Festival. At age 13, Keesee took a summer job at May Avenue Bank and later the next year at United Oklahoma Bank. He continued working in various banking enterprises during the summer before starting college. While in college and just after his graduation, Keesee increased his role with the family’s charitable enterprises including the Oklahoma Art Center. In 1988, Keesee joined his family in ratifying the Oklahoma Plan to recapitalize Liberty, and the following year he oversaw the purchase of American Bancorp and became its chairman. Under his leadership the bank acquired other small banks in Oklahoma, Texas, and later Colorado. Ultimately, several of these banks were unified into Kirkpatrick Bank. The bank has grown steadily and profitably even through the dark days of 2009, when the country again saw record numbers of bank failures. 1970 American Bank of Edmond Building Corp. is chartered. The bank will change its name twice by 1973, first to American Bank of Edmond, and then to American Bank & Trust. 1985 American Bancorp of Edmond is established and purchases American Bank & Trust stock. 1988 Christian Keesee acquires an interest in American Bancorp of Edmond Inc. Within the year, Keesee acquires 98% share of the Corporation and is named Chairman. 1989 Keesee moves to expand American and acquires Heritage National Bank in Edmond. American Capital Mortgage is formed in that year. The Bank provides incubator space to assist fledgling Fine Arts Institute of Edmond as it establishes classes and programs 1995 American Bank & Trust acquires 100% of the stock of American Capital Mortgage Company. American Bank & Trust celebrates its 25th anniversary with a newly remodeled building. 1997 American Bank & Trust launches its check card, an innovative payment method largely in use by national banks, the card functions as both a payment method for purchases and as an ATM card to access cash and check account balances. 1999 American Bank & Trust innovates internet banking for personal banking customers with a program called "Banking by Home Computer." 2001 American Bank & Trust merges with Farmers Bank in Ault, Colorado and forms Intermountain Bank in Colorado Springs. 2002 American Bank & Trust opens branches in Oklahoma City and Edmond, Oklahoma. The bank is now the largest in Edmond, holding 20% of local deposits. The Bank’s distinctive Drive-In and Courtyard located at the northeast corner of 15th Street & Broadway in Edmond wins the annual Central States Region Design Award. The Courtyard features a large Keith Haring Sculpture. 2003 Total assets exceed $250 million for the first time at year end. 2004 American Bank & Trust changes its name to Kirkpatrick Bank. 2006 Kirkpatrick Bank becomes the presenting sponsor for Midnight Streak, a race benefitting access to arts education for City Arts Center. 2007 Kirkpatrick Bank continues to expand its technological capabilities, with two initiatives. First, a web-based savings account, including online account opening, called Savings Square (within a year, Savings Square has attracted customers in all 50 states, with over $40 million in deposits). Second, the bank launches electronic billpay for its internet banking customers. 2008 Kirkpatrick Bank offers businesses the convenience of remote deposit. The Bank provides incubator space to Angels Foster Family Network. 2009 Kirkpatrick Bank sponsors Green Box Arts Festival in Colorado Springs. 2010 Total assets exceed $500 million for the first time at year end, despite the challenges of a national economic crisis. 2012 Kirkpatrick Bank launches mobile banking and adds person-to-person electronic payment called POP Money. In Colorado, the bank doubles the size and capability of its team, adding cash management expertise and instituting a Community Advisory Board. 2013 Checking Square is added to Savings Square. Kirkpatrick Bank becomes an investor in the Colorado Springs Regional Business Alliance which seeks to revitalize downtown. 2014 Kirkpatrick Bank opens a new location in Oklahoma City to serve its growing commercial customer business. It continues to expand technological capabilities and adds the convenience of depositing checks via a smart phone. The Bank installs a new sculpture, Momentum by Marko Kratohvil. 2015 Kirkpatrick Bank in Colorado grows significantly. The Colorado Springs branch moves to a new downtown location and adds a commercial drive through service. The Bank opens a new branch in Denver, Colorado. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
LocationsLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Locations Locations Select Location Type All Full Service Branch Satellite Locations ATM Select Location Select Location Edmond, OK Oklahoma City, OK Denver, CO Colorado Springs, CO OR ZIP Search Full Service Locations1Main Bank15 E 15th StEdmond, OK 73013405.341.8222Lobby Hours:Monday – Friday: 9 am – 5 pmDrive-In Hours:Drive-In Lobby Extended Hours: Monday – Friday 7:30 am – 6:30 pmSaturday 9 am – 1 pmDeposit ATM Available5.4 MilesDriving Directions2West Edmond2245 W Danforth RdEdmond, OK 73003405.348.3200Lobby Hours:Monday – Friday: 9 am – 5 pmDrive-In Hours:Monday – Friday: 8 am – 6 pmSaturday: 9 am – 1 pm7.7 MilesDriving Directions3Northwest Oklahoma City222 NW 63rd StOklahoma City, OK 73116405.254.2510Lobby Hours:Monday - Friday 9 am - 5 pmDrive-In Hours:Monday - Friday 8 am - 6 pmSaturday 9 am - 1 pmDeposit ATM Available2.8 MilesDriving Directions4Business Banking Center Production OfficeParagon Building Suite 101, 5801 Broadway ExtensionOklahoma City, OK 73118405.241.0805Office Hours:Monday – Friday: 9 am - 5 pmDeposit ATM Available2.9 MilesDriving Directions5Colorado Springs 102 N Cascade Ave, Suite 100Colorado Springs, CO 80903719.866.6300Lobby Hours:Monday – Friday: 9 am – 5 pmDrive-In Hours:Commercial Window Monday – Friday: 9 am – 5 pm Deposit ATM Available463.7 MilesDriving Directions6Denver1850 Platte St, Suite 400Denver, CO 80202 303.474.5000Lobby Hours:Monday – Friday: 9 am – 3 pm503.9 MilesDriving Directions7Westcliffe8 Bassick PlaceWestcliffe, Colorado 81252719-783-2030Lobby Hours:Monday–Friday: 9am – 5 pmDrive-In Hours:Monday–Friday: 9am – 5 pmDeposit ATM Available476.1 MilesDriving Directions 1234567123456789101112Map DataMap data ©2020Map DataMap data ©2020Map data ©2020Terms of UseReport a map errorMapTerrainSatelliteLabels Branch Location Satellite Locations ATM Location Kirkpatrick Bank Nationwide ATM Locations Money Pass ATM NetworkKirkpatrick Bank is a member of MoneyPass − offering surcharge-free ATMs coast to coast. Find one near you! Kirkpatrick Bank ATMs 1 Main Bank 15 E. 15th St.Edmond, Oklahoma 73013 Deposit ATM Available Driving Directions 2 West Edmond 2245 W. Danforth Rd.Edmond, Oklahoma 73003 Deposit ATM Available Night Drops Available Driving Directions 3 Northwest Oklahoma City 222 NW 63rd StreetOklahoma City, OK 73116 Deposit ATM Available Night Drops Available Driving Directions 4 Westcliffe 8 Bassick PlaceWestcliffe, CO 81252 Deposit ATM Available Night Drops Available Driving Directions 5 Colorado Springs 102 N. Cascade Ave.Colorado Springs, CO 80903 Deposit ATM Available Driving Directions 6 Business Banking Center - Paragon Building Lobby 5801 Broadway Ext, Suite 101Oklahoma City, OK 73118 Deposit ATM Available Driving Directions 7 Science Museum 2100 NE 52nd StOklahoma City, OK 73111 Driving Directions 8 Shartel Plaza 5103 N Shartel AveOklahoma City, OK 73118 Deposit ATM Available Night Drops Available Driving Directions 9 East Edmond 3001 E Memorial RdEdmond, OK 73013 405.478.5301 Deposit ATM Available Driving Directions 10 Ralph's Pharmacy 1101 NW 178th StEdmond, OK 73012 Deposit ATM Available Night Drops Available Driving Directions 11 POPs on Route 66 660 W Highway 66Arcadia, OK 73007 Driving Directions 12 Deer Creek – 206th N MacArthur 6241 NW 206th StOklahoma City, OK 73012 Night Drops Available Driving Directions Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Personal Credit & Debit Card OptionsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Personal Card OptionsWhat are the personal credit card options? Personal Credit & Debit Card Options Personal More Savings Options Personal Loans Card Options Internet Banking Mobile Banking Cybersecurity Zelle Kirkpatrick Bank card products use contactless technology. Watch this video to learn more: FAQ–CONTACTLESS PAYMENT DEBIT CARD(S) Debit CardsDebit cards can be used to make purchases or to withdraw cash from an ATM. Our debit cards have fraud protection and can be replaced if lost or stolen. Even better, by using CardValet, our mobile app for debit cards, you can turn the card on or off, control spending limits, and set other restrictions. Personal Credit CardsKirkpatrick Bank offers consumer credit cards through our partnership with TCM Bank, N.A. Kirkpatrick Bank customers have the opportunity to take advantage of a rewards card program that offers great benefits and discounts. Cards are issued by TCM Bank, N.A., and subject to credit approval.Click here to apply or for more informationFor current cardholders, click here to access your credit card account. You will be able to view your account transactions, statements, make a payment, and more.cRewards℠To sign up or view the reward point catalog, visit www.cRewardscard.comVisa Gift CardsVisa Gift Cards may be purchased in amounts ranging from $25 to $1,000 and are valid for 5 years. Gift Cards may be used for personal occasions like birthdays, graduations, holidays, and are also a great way to recognize or reward employees, customers, and others important to your business.Available for purchase at any Kirkpatrick Bank location. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Online Banking: Deposit, Transfer & PayLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Online BankingWhat are the benefits of online banking? Online Banking: Deposit, Transfer & Pay Personal More Savings Options Personal Loans Card Options Internet Banking Mobile Banking Cybersecurity Zelle The benefits of Internet Banking include: Access to your accounts – current & available balances, transactions View/print account statements and check imagesPay billsReceive e-bills from participating merchantsView pending bills, recent bills and bill historyPay individuals for personal payments Transfer money Set alerts Send a secure message to customer service Sending and Receiving money with ZelleLearn more Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Mobile Banking AppLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Mobile BankingIs there a mobile banking app? Mobile Banking App Personal More Savings Options Personal Loans Card Options Internet Banking Mobile Banking Cybersecurity The benefits of Mobile Banking include: Access to your accounts – check balances, review recent transactionsPay bills – schedule payments, review payment history, cancel paymentsPay individuals for personal paymentsTransfer moneyDeposit checksIf you have an iPhone or an iPad, or a mobile device using Android – we have an app for you.Card Valet – Safeguard Your CardSmartphone apps are available for Apple and Android When the app is downloaded, the CardValet icon displaysTap the icon to launch the application & wait for the connectionPress the login bar to proceedSelect New User and register your card by entering the 16 digit card numberFollow the prompts to complete registrationAccept the Terms & ConditionsCreate a login name and passwordEnter an email address (where a security token will be sent if you forget your password)A confirmation message will display on the app, Tap “OK”You will be directed to a login page to enter your newly chosen name & passwordWatch our video about Mobile Banking Watch our video about mobile banking for tablets Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
PrivatePrivate From the moment you sit down with us – we listen...To your needs; to your dreams; to your goals for the future.Then we partner with you to deliver all of the financial services you need to manage, grow and protect your wealth. Have a Question?Feel free to give us a call:Oklahoma City405.341.8222Colorado Springs719.866.6300Denver303.474.5000Toll Free
Philosophy & Your TeamPrivate Banking Open Sub Navigation Menu Philosophy and Team Services Insights From the moment you sit down with us – we listen...To your needs; to your dreams; to your goals for the future. Then we partner with you to deliver all of the financial services you need to manage, grow and protect your wealth.Enduring wealth requires a seamless transfer of resources from generation to generation. Yet, many wealth transfers fail because of a lack of preparation, trust, and communication among family members or business associates.Traditionally, wealth management concentrates on investments, financial planning, and trusts. This approach can ignore the issues that contribute to the disappearance of family wealth or loss of a business that supports employees, families, and communities.We deploy leading-edge wealth impact strategies designed to help you bring about a smooth transfer of holdings and uninterrupted continuity of your legacy and business interests. Steven Harlan Colorado Private Banking 303.474.5347 Email Kathy Frankenfield Oklahoma Private Banking 405.241.0810 Email Josh Waymire Colorado Wealth Services - Raymond James Advisor 719.577.4175 Email Bill Callis Oklahoma Wealth Services - Raymond James Advisor 405.241.0895 Email Please note: Raymond James is an independent organization. Investment products offered through Raymond James are NOT deposits: are NOT insured by the FDIC or any other agency: are NOT guaranteed by Kirkpatrick Bank: and ARE subject to risk, including loss of principal.
Wealth & Business Advisory ServicesLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Private BankingWhat Private Banking services offer Wealth & Business Advisory Services Services Invest Kirkpatrick Bank Private Banking services streamline your banking activity through a single point of contact and integrate your professional and personal finances, allowing you to focus solely on what matters most. Your private bank relationship includes: PaperlessStatements Learn More Online and MobileBanking Learn More Free Bill Pay Learn More Free DebitCard Learn More Interest BearingAccount Learn More Lending Services Learn More Cash Flow Solutions Learn More Advisory Services Learn More Paperless Statements Safely and securely view current and historical account details for all Kirkpatrick Bank accounts Transfer between Kirkpatrick Bank accounts Customize email and text alerts and notifications Convenient mobile banking and mobile deposit Online & Mobile Banking Safely and securely view current and historical account details for all Kirkpatrick Bank accounts Transfer between Kirkpatrick Bank accounts Customize email and text alerts and notifications Convenient mobile banking and mobile deposit Free Bill Pay Manage and pay your bills securely Single, recurring or future-dated options Free Debit Card Higher daily ATM limit, higher point-of-sale limits, nation-wide access to MoneyPass ATM’s Interest Bearing Account Open with $5,000 Interest rate tiered depending on daily balances Unlimited check writing and debit card transactions Free cashiers checks, travelers checks, notary & medallion guarantee services Lending Service Home loans (including Jumbo), HELOC, Construction loans Personal lines of Credit, estate financing, vehicle, boat, airplane, vacation home Cash Flow Solutions Electronic Funds transfer solutionsAccess to multi-million dollar FDIC insurance protectin with ICS & CDARs Credit or debit cards for household employees Advisory Services Financial planning, including trust and estate, asset management, succession planning, strategic philanthropy Succession planning, business or family leverage strategies Name Email Phone Number What products are you interested in Best time to be contacted (Ex: August 21 10:30am) Message Send Message Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Investment InsightsPrivate Banking Open Sub Navigation Menu Philosophy & Your Team Wealth & Business Advisory Services Investment Insights New and Noteworthy Financial InsightsHow Family Offices Are Investing Directly in BusinessesThere's a potential new investor for business owners seeking to get to the next level.Read the full articleYour business deserves an estate planDrafting a succession plan now can help your business stand the test of time.Read the full articleRisk management demystifiedFind the right mix of insurance coverage to live with confidence.Read the full articleLeaving the vacation home to familyTap into available strategies to ensure a smooth transition for those you love.Read the full articleCombat compassion fatigueCaregiver burnout affects millions. Here’s how to fight it.Read the full article
Business Checking Accounts for Your BusinessLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Business Banking How to open a business bank account Business Checking Accounts for Your Business Business Card Options Cybersecurity Lending Services Treasury Management Every new business checking account includes: Free Business Debit CardsFree Internet BankingFree Bill Pay Free Mobile BankingFree Mobile DepositFree eStatements with online check images Free access to over 25,000 Kirkpatrick Bank and MoneyPass ATMs Nationwide Kirkpatrick Bank will not charge you a fee for using an out-of-network ATM Treasury Management Specialists will customize a solution to help your business run with maximum efficiencyOK. 405.341.8222COS. 719.866.6300DEN. 303.474.5000 Simply Free Business CheckingA FREE account for everyone! 1,000 free monthly transaction itemsNo minimum balanceNo monthly maintenance feeOpen with $50 Business Interest CheckingDesigned for sole proprietorships and not-for-profits! 1,000 free monthly transaction itemsCompetitive InterestOnly $1,500 minimum balance to avoid a low monthly maintenance fee of $10Open with $50 Commercial Analysis Checking Our Treasury Management Team will assist you with a customized account that will best meet your needs! Offers earnings credit to potentially offset low monthly maintenance fee of $10$0.15/check or debit processed and $0.10/transit item depositedOpen with $100 SavingsMONEY MARKETBASIC SAVINGSCERTIFICATE OF DEPOSITSMinimum Opening Deposit$2,500$100$1,000Monthly Maintenance Fee$10/month if daily avg. balance < $2,500$5/month if daily average balance < $100No monthly maintenance feeEarns InterestTiered rates compounded any paid monthlyCompounded and paid monthlyCompounded and paid quarterlyNumber of Permitted Withdrawals/Cycle66-Number of Complimentary Withdrawals66-Withdrawal Fee for Each Withdrawal Over Six$10/withdrawal over 6$5/withdrawal over 6Early withdrawal penalties may applyAutomatic Transfers from Other AccountsYesYes- Insured Cash Sweep (ICS) Earn interest by putting excess cash balances in money market deposit accountsAccess to multi-million-dollar FDIC insurance protectionConveniently manage ICS funds onlineWithdraw ICS funds up to 6 times per monthSave time by working directly with just one bank – the bank you know and trustCertificate of Deposit Account Registry Service (CDARS) Earn interest by putting excess cash balances in Certificate of Deposit accountsAccess to multi-million-dollar FDIC insurance protectionSave time with one bank, one rate, and one statementTerms from 4 weeks to 5 years Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Small Business Loans & Commercial Lending ServicesLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Business Loans & Lending ServicesHow to get a business loan from a bank Small Business Loans & Commercial Lending Services Business Card Options Cybersecurity Lending Services Treasury Management Your Partner for What's NextThe most important features of our lending practices are a product of our focus on commercial banking and our ability to customize. We know your competitive edge relies on our speed of service and a personalized approach to your needs as much as it does on competitive rates and fees.Commercial Real EstateKirkpatrick Bank specializes in real estate lending and can meet all your commercial real estate needs, including:ConstructionMini-PermOwner OccupiedIncome Producing PropertyMulti-FamilyFloating or Fixed Rate OptionsEquipment FinancingKirkpatrick Bank provides flexible and competitive rates and terms on virtually any capital equipment acquisition, including:Equipment and vehiclesFlexible Repayment Terms available up to 7 yearsFixed or Floating Rate OptionsLines of CreditA Kirkpatrick Bank line of credit can provide you with available resources to manage the daily financial needs of your business.Finance Accounts Receivable and InventoryAccess funds at your convenience when you need themInterest-only and secured by business assetsEnergy LendingKirkpatrick Bank has in-depth knowledge and expertise within the oil and natural gas industry which enables us to provide your company with personalized financing solutions. Additionally, The Kirkpatrick Family’s history as an independent oil and gas producer provides the Bank with a first-hand understanding of the industry’s dynamics.Reserve Based Lending – Term Financing or Lines of CreditAcquisition and Equipment FinancingSBA LoansAs part of our commitment to the growth of small businesses, Kirkpatrick Bank is a leading participant in the lending programs of the U.S. Small Business Administration.SBA loans are backed by government-sponsored loan guarantees and are available to for-profit businesses in virtually every industry.SBA loans provide financing for almost any business purpose, including real estate purchase, business acquisition or startup, equipment, and inventory.Business Advisory ServicesOther business services including alternative financing options, succession planning, and advisory services are also available. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Treasury Management Services • Kirkpatrick BankLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Treasury Management ServicesWhat kind of treasury and cash management services does Kirkpatrick Bank offer? Treasury Management Services • Kirkpatrick Bank Business Card Options Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services Customized Solutions for Maximum Efficiency To manage your company’s resources effectively, you need tools that help you improve cash flow, streamline your day-to-day operations, minimize risk and give you immediate access to information. You can rely on our team of experienced Treasury Management Specialists to customize a solution to help your business run with maximum efficiency.Treasury Management Specialists will customize a solution to help your business run with maximum efficiency.OK 405.341.8222 COS 719.866.6300 DEN 303.474.5000 Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Accounts Receivable Solutions • Kirkpatrick BankLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Accounts Receivable SolutionsWhat are the convenient ways to manage my receivables? Accounts Receivable Solutions • Kirkpatrick Bank Business Card Options Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services ACH CollectionsAllows commercial customers to debit multiple accounts outside the financial institution at the same time and credit their account at Kirkpatrick Bank for the sum of those debits. This is a useful tool for collecting funds from members or clients.Enhance Cash FlowRecurring Payment Option Remote Deposit CaptureThrough Business Internet Banking commercial customers can simply scan checks with a special check scanner and transmit their deposits directly to Kirkpatrick Bank’s data processor. Advantages for Kirkpatrick Bank customers can include:7:00 pm CST / 6:00 pm MST deposit deadline;Eliminate the need to transport deposits to the bank;Detailed online reporting of check information and deposit activity. LockboxCommercial customers can accelerate check collection and delivery of remittance information by outsourcing the processing of mailed check and credit card payments to Kirkpatrick Bank’s Lockbox Service provider, Frost Bank. Improve Cash flow with reduced mail and processing floatMinimize administrative duties and costsEnhanced reporting capabilitiesImprove internal controls with segregation of duties Merchant ServicesMerchant services allow commercial customers to expand their customer’s payment options by enabling companies to accept Visa, MasterCard, and American Express debit/credit cards.Local Kirkpatrick Bank representative to provide support and processing expertiseImprove Cash FlowIncrease Sales Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Accounts Payable Solutions • Kirkpatrick BankLocations Contact About Careers Banking Login Personal Banking Business Banking news business personal home loans private related messaging news business personal home loans private related messaging Locations Contact About Careers Privacy ADA Compliance Edit Accounts Payable SolutionsHow to make electronic payments Accounts Payable Solutions • Kirkpatrick Bank Business Card Options Cybersecurity Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services ACH PaymentsAllows commercial customers to initiate payments to vendors or transfer funds to accounts at other financial institutions. Commercial customers can control when the recipient receives funds. As an additional benefit, the payment or transfer of funds is guaranteed to be in the recipient’s account by the effective date defined by our commercial customerRecurring Payment OptionsIncreased SecurityLower cost alternative for remitting payments Direct Deposit of PayrollAllows commercial customers to originate Direct Deposit of Payroll to employee accounts at any financial institution. Business Internet Banking also supports imported NACHA (National Automated Clearing House Association) formatted files from payroll sources such as QuickBooks. Reduce costs associated with check writingPeace of mind for you and your employeesEnvironmentally friendly due reducing your carbon footprint Electronic Federal Tax PaymentAllows commercial customers to originate electronic tax payments to federal and state tax authorities through the secure online system.Wire TransfersCommercial customers may securely originate domestic wire transfer requests through Business Internet Banking. Wire requests may be set to recur. Domestic wire requests will be processed Monday through Friday 8:00 am to 4:00 pm CST. International wire requests will be processed Monday through Friday 8:00 am to 2:00 pm CST. Token authentication for additional security Expedite funds transfersBusiness Bill PayConvenient and easy option to pay bills online. Initiate bill payments through Business Internet Banking or through Business Mobile Banking. Customer must be enrolled in Business Internet Banking to access this service.Schedule automatic or recurring bills for paymentSet up reminders for bills due and payments madeView pending bills, recent bills and bill history Add and manage biller categories Open an Account Privacy ADA Compliance © 2024 Kirkpatrick Bank. All rights reserved.
Funds Management • Kirkpatrick BankLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Funds Management SolutionsHow can Kirkpatrick Bank increase my business cash flow? Funds Management • Kirkpatrick Bank Business Card Options Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services Customized solutions to enhance your cash flow. Analysis AccountAnalysis Checking Accounts are available for commercial customers who have a need for specific cash management services. Detailed monthly account analysis reflects monthly transaction volumes, along with average balance levels. A bank determined earnings credit is applied to the investable balance, the result of which is compared against transaction charges to determine any monthly service charge. Detailed monthly account analysis statements are available for commercial customers through Business Internet Banking.Money Market AccountAn interest-bearing account with check writing access Tiered interest rateTransfer and check writing limits applyZero Balance Account (ZBA)Zero Balance Accounts are accounts designed to maintain a zero balance, even as checks and other debits are cleared against it. The ZBA is funded by a primary account that receives all deposits and automatically disburses funds to the ZBA only when necessary to cover checks and debits that have cleared. The automated sweep function eliminates any possibility of overdrafts as long as the primary account is properly funded.Insured Cash Sweep (ICS) Through the ICS service, commercial customers can access multi-million-dollar FDIC protection and earn interest on large balances in excess of $250,000 with other network institutions. Customers deal directly with Kirkpatrick Bank and can view funds through a secured Internet site.The convenience of one bank and one statementEasy access to fundsEarn interest by putting excess cash balances in money market deposit accountsAutomated sweep available on the demand deposit account optionCertificate of Deposit Account Registry (CDARS)Through the CDARS® Network, commercial customers can access multi-million-dollar FDIC protection and earn interest on large balances in excess of $250,000 placed in certificates of deposits with other network institutions. Customers deal directly with Kirkpatrick Bank and can view funds through a secured Internet site. Certificate of Deposit terms are available from 4 weeks to 5 years.The convenience of one bank and one statementCompetitive interest rates Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Fraud Prevention Solutions • Kirkpatrick BankLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Fraud Prevention SolutionsHow we reduce the risk of fraud Fraud Prevention Solutions • Kirkpatrick Bank Business Card Options Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services Enhance security with solutions that safeguard information and minimize the risk of fraud.Positive Pay Positive Pay is a fraud prevention service that enables you to transmit your issued check file to the bank for daily reconcilement of checks being presented for payment. Any items that don't match are shown as an exception item and through Business Internet Banking, you make your decision on whether the item should be paid. Positive Pay can save you money by minimizing the risk of fraud and forgery.Automated notification of exceptionsOnline exception management and image archive ACH Positive PayYou can define business rules, using an ACH authorization or a transaction filter/block, at the account level for monitoring ACH activity in an effort to protect your account from fraud. Every ACH transaction that is presented for payment is scrutinized against these rules to determine whether a transaction warrants your further review.Automated notification of exceptionsOnline exception management and image archiveReverse Positive PayReview all previous day checks presented for payment prior to paying them.Verify endorsements or lien waiversView an image of each item to assist in making your decision to pay or not pay Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Privacy PolicyLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Privacy Policy Privacy Policy PrivacyClick here to download the Kirkpatrick Bank Privacy Notice (PDF). Click here to view the Kirkpatrick Bank Mobile Privacy NoticeCLICK HERE TO VIEW THE KIRKPATRICK BANK MOBILE APP TERMS AND CONDITIONSWelcome to Kirkpatrick Bank's website. In this section, we will explain our policy regarding any personal information you might supply to us when you visit this website. As a matter of principle, Kirkpatrick Bank is committed to safeguarding your personal information obtained through our website the same way we protect information obtained through any of our other delivery channels—at our main bank, branch, our ATMs, and by telephone.At Kirkpatrick Bank, the gathering, maintaining, and sharing of information within our organization is paramount in providing you with effective and convenient banking products and services. Also, to serve you effectively and conveniently, we have to utilize modern technology and consumer information. However, we realize you are concerned about privacy and our use of the personal information you give us. Accordingly, we pledge to continually review our procedures and policies in the interest of protecting your privacy. Our Internet privacy policy, briefly described below, is included in our comprehensive customer information privacy policy that has been disseminated to all of our employees.Collection, Use, Retention, and Destruction of Consumer/Customer Information Kirkpatrick Bank collects, uses, and retains certain personal information through our website to identify and communicate with you. We collect and use this information to provide you with products and services that you initiate; to help us respond to specific questions that you ask, and to inform you about other financial services that may be of interest to you. We may also use this information to comply with certain laws and regulations that may apply to us and to help us design or improve our products and services.As a general policy, Kirkpatrick Bank does not automatically collect or store information concerning visitors to our website. However, we will collect and store general information such as The name of the domain from which you access the Internet (for example, msn.com if you are connecting from the Microsoft Network or aol.com if you connecting from America Online). The Internet address of the website from which you linked directly to our site if any (for example, www.yahoo.com if you find us using the Yahoo search option). The type of web browsing software you are using to view our site such as Netscape Communication or Microsoft Internet Explorer. The date and time you access our site. Additionally, after consumer/customer information is collected, the Bank will retain such information only as long as it is useful to the administration of a consumer/customer’s relationship or the provision of particular products and services to a consumer/customer or as required by Federal and state mandates. Afterward, such information will promptly be destroyed.Maintenance of Accurate InformationWe strive to ensure our records are up-to-date and precise in accordance with commercial standards. We also have procedures for timely correction of inaccurate information after we become aware of the inaccuracy. In addition, various state and federal laws impose specific obligations and standards on us with respect to the accuracy of information we maintain, and the correction of erroneous information. If you ever find that our records are incomplete, inaccurate or not current, please call the telephone number on your account statement; contact us via postal mail or contact us by E-mail. Subsequently, pending investigation, we will correct the information in a timely manner.Employee Access to Customer InformationAll Kirkpatrick Bank employees are required to follow our customer information privacy policy. The policy provides that all employees are obligated to keep our customer’s personal information confidential and never discuss or disclose such information inside or outside of Kirkpatrick Bank unless required to transact proper bank business.Kirkpatrick Bank has policies and procedures restricting access to personal customer information to those employees with a business reason to know such information. We educate our employees to recognize the importance of client confidentiality and we have reserved the right to take appropriate disciplinary measures to enforce employee confidentiality responsibilities.Protections of Information and Account DataCustomer records are stored in a secure location at all times. Computer-generated customer information is protected by a robust encryption* technology. Kirkpatrick Bank maintains security standards and procedures to help prevent unauthorized access to your personal customer information. Additionally, we continuously update and test our technology to improve the protection of our information about you and to assure the integrity of that information.Restrictions on Disclosure of Account InformationWe do not disclose personal information (i.e., deposit and credit card account numbers or access codes) about customers to nonaffiliated third parties for their independent use, except for the exchange of information with reputable information reporting agencies, to maximize the accuracy and security of such information, or in the performance of bona fide corporate due diligence, unless:The information is provided to help complete a customer-initiated transaction;The customer requests it;The disclosure is required by law (e.g., subpoena, summons, or warrant, etc.);The customer has been informed about the possibility of disclosure for marketing or similar purposes through a prior communication and is given the opportunity to decline (i.e., "opt-out").Disclosure of Privacy Principles to CustomersWe want you to understand our commitment to customer information privacy and our use of information. For this reason, we have prepared these privacy guidelines.This policy specifically applies to individuals. Kirkpatrick Bank reserves the right to make changes to this policy and to our related procedures at any time. As we make changes to our policy, we will update this Web page. Unless specifically authorized by beneficiaries, our customer information privacy policy prohibits disclosure to parties outside the Bank, of the existence or administration of a trust, except to comply with a law, regulation, or judicial proceeding or as deemed necessary in the administration of the trust.EmailWe preserve the content of your email, your email address, and our response so that we can better serve you. Depending on the content of your email, we may be required by existing laws and regulations to keep this information.If you send an Email to us, please remember that Email is not secure against interception. If your email contains information that is very sensitive or includes personal information such as an account number, charge card number, or Social Security number you may want to send this information via postal mail.Specific Website InformationInformation we get from you when visiting our website. We use cookies and similar technologies to identify your browser or device. Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies do not contain any data that enables us to determine your actual identity, and they are useful because they allow a website to recognize a user’s device. You can find more information about cookies at http://www.allaboutcookies.org. Cookies do lots of different jobs, like letting you navigate between pages efficiently and remembering your preferences, and generally improve the user experience. They can also help to ensure that advertisements you see online are more relevant to you and your interests. Pixel tags are small, invisible images on a webpage or other document that allow us to set, read, and modify cookies. When you visit a website, the pixel tag helps us better understand how you interact with our website by observing which pages you visited. We use analytics tools and other third party technologies to collect non-personal information in the form of various usage and user metrics when you use our site or online services. These tools and technologies collect and analyze certain types of information, including cookies, IP addresses, device, and software identifiers, referring and exit URLs, onsite behavior and usage information, features use metrics and statistics, usage and purchase history, MAC Address, mobile unique device ID, and other similar information. The third-party analytics companies who collect information on the Site and/or other online products and/or services may combine the information collected with other information they have independently collected from other websites and/or other online or mobile products and services relating to your activities across their network of websites as well as online and/or mobile products and services. Many of these companies collect and use information under their own privacy policies.Opting out and your privacy rights To learn more about or opt-out of interest-based advertising, please visit the industry opt-out pages operated by the Network Advertising Initiative and by the Digital Advertising Alliance To obtain more information and/or to opt-out of personalized advertising for Google and its partners' sites, use the following link: http://adssettings.google.com. Please note, even if you opt-out of interest-based advertising, you may still see other kinds of non-interest-based advertising from us. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Home Mortgage Loans & Lending ServicesLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Home LoansKirkpatrick Bank offers a full range of mortgage loan options –permanent or second mortgage loans, construction or bridge loans,VA, FHA, conventional and Jumbo home loans Apply Now Home Mortgage Loans & Lending Services Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Are you mortgage ready?Learn more From application to closingLearn more Know your scoreLearn more Calculators Learn more Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Family HistoryFamily History Open Sub Navigation Menu Family History Bank History Savings Square Annual Report Officers & Directors 12345 The Blakes Mack Barkley Blake (1874–1946) & Kathryn (Kittie) Talbott Blake (1892–1959) Mack Blake was born to an entrepreneurial family. His father, Samuel Diggs Blake, brokered real estate in and around Dallas, Texas, as well as founding the Dallas Manufacturing Association and a cotton mill in Fort Worth. As young Mack entered college, however, Samuel’s financial fortunes reversed. Samuel moved his family to Quanah, Texas, where he joined his brothers-in-law in a dry goods enterprise, Evans Baker Company. Mack also joined the family business and later became partners with his cousins, forming Baker, Hanna & Blake and expanding into Oklahoma. As they were establishing their first store in Oklahoma Territory, Mack met his bride-to-be, Kittie Talbott, when she came in to shop at the Quanah store. They courted and were married in 1905. Their only child, Eleanor, was born in 1909. In 1910, the company opened a store in Oklahoma City and the new family moved from Quanah. As Blake continued to grow his business and his reputation as a community leader, he invested in Liberty National Bank and was later named an officer. Blake also partnered with his brother-in-law, forming Skelton Creek Oil Company. He invested in oil and gas royalties in Texas, Oklahoma and Kansas. Blake formed a strong bond with his son-in-law, John E. Kirkpatrick, encouraging him in his business pursuits and investments. While John Kirkpatrick served his country in World War II, Blake managed the sale of his son-in-law’s business, Allied Steel, and subsequent reinvestment in an oil exploration firm with Hubert Bale called Kirkpatrick & Bale, Inc., as well as the Twin Hills Golf Course. 12345678910 The Kirkpatricks John E. Kirkpatrick (1908–2006) John Elson Kirkpatrick was the third of five children born to Dr. Elmer E. and Helene Claudia Spencer Kirkpatrick. John entered the Naval Academy at Annapolis in the fall of 1927, a fateful decision, as he would meet his bride-to-be, Eleanor Blake, while she was attending Smith College. The two courted by correspondence as he completed his studies, being commissioned as an ensign aboard the USS Arizona. The couple married in the summer of 1932 at her parents’ home in Oklahoma City and honeymooned at the Kirkpatrick family cabin in Green Mountain Falls, Colorado. In 1933, the couple welcomed their only child, Joan. Kirkpatrick resigned his active naval commission two years later, attended Harvard Business School and returned to Oklahoma to launch Allied Steel Products Corporation in 1936 with the financial backing of his father-in-law. The company designed and built steel buildings for petroleum and oil businesses in four states. By 1939, Kirkpatrick had achieved the rank of Lieutenant in the Navy Reserves and was called back to active duty. During his war service, he commanded the battery division on various ships, ultimately receiving a Bronze Star for his work as Air Defense Commander during the battle for the Solomon Islands in 1942. He authored the Fire Control Officer’s Manual, which was adopted for the entire fleet. In 1944, while stationed in Oahu and assigned as Commander of the anti-aircraft training center and fleet machine gun school, Kirkpatrick updated the manual on gun sights for submarines, for which he was awarded a second Bronze Star. In 1945, Kirkpatrick was again released from active duty and returned to Oklahoma and his oil business partnership. Upon the death of Mack Blake, Kirkpatrick assumed the shares and responsibilities of his father-in-law’s position in Liberty National Bank. In 1950, Kirkpatrick and Hubert Bale liquidated their partnership and John launched Kirkpatrick Oil Company, which shortly generated other related business opportunities. By 1957, Kirkpatrick was able to turn his focus on the needs of his community. Over the next thirty years, Kirkpatrick would profoundly influence most of the community’s significant cultural and educational institutions, including the Kirkpatrick Foundation and the Oklahoma City Community Foundation, which houses the Kirkpatrick Family Fund, its largest single endowment. Kirkpatrick was recognized with many distinguished awards for his achievements in industry, philanthropy and education. Lifelong friend, Clay Ross, eloquently summed the measure of the man: “John Kirkpatrick was a compassionate but action-oriented fellow with a fearless pursuit of his objectives.” 12345678 Mary Eleanor Blake Kirkpatrick (1909–1997) Mary Eleanor Blake Kirkpatrick was the only child of Mack and Kathryn Blake. Born and raised in Oklahoma, she completed her secondary education in Washington, D.C., and Cannes, France. In her junior year at Smith College in Northampton, Massachusetts, she met her husband-to-be, John Kirkpatrick. Upon her graduations, Eleanor Blake returned to Oklahoma City, where she began what would become a lifetime passion of community service by volunteering at the YWCA. She attended Blackwood-Davis Business College and began working in her father’s office. John and Eleanor were married in 1932, honeymooned at the Kirkpatrick family cabin in Green Mountain Falls and proceeded west by car to John’s first naval assignment. Their only child, Joan, was born the next year. During the war years, Eleanor and Joan remained in Oklahoma City, where Eleanor maintained an active volunteer career, including participation in war efforts of the day. Together with her father, she participated in a radio recruiting program for the Women’s Army Air Corp, as well as the Junior Bookshelf Program. She worked as a volunteer caseworker for the Sunbeam Home and later as a volunteer in the Home Service Corps for the Bureau of Naval Personnel. However, Eleanor’s passion was art, an interest that led to her acquaintance with Nan Sheets, an artist and director of the first Oklahoma City art gallery. The two women collaborated to raise funds to establish the Oklahoma Art Center launching the Beaux Arts Ball for this purpose in 1946. The event continues to this present day. She served as vice president and secretary for the new Kirkpatrick Oil Company and partnered with John in all of his philanthropic endeavors. Her interests in music, theater and the arts shaped many of those endeavors. Eleanor Kirkpatrick served in leadership roles on many nonprofit boards at the city, state and national levels throughout her life. As a result, she received many awards and accolades for her philanthropy and community service, including Woman of the Year in 1962 by the Oklahoma Chapter of Women in Radio and Television and an honorary doctorate degree from Oklahoma City University in 1968. Longtime friend Mex Frates described Eleanor Kirkpatrick: “She was a true scholar. She was a person you could absolutely depend on.” 123456789 Joan Elson Kirkpatrick Joan Elson Kirkpatrick was the only child of John and Eleanor Kirkpatrick. During her early childhood, she and her mother lived, whenever feasible, in cities near her father’s homeport. During the war years, Oklahoma City was home and loving grandparents helped fill the gap of his absence. Mack Blake, in particular, played a prominent role, supporting and encouraging her engagement in war efforts through volunteer work with the food rationing board. Joan attended Colorado College in Colorado Springs. She finished her studies in English at Oklahoma City University while working in the art department of a local TV station. She soon became involved in some of her mother’s interests, including the Beaux Arts Ball. She also branched out on her own, organizing an artists’ series with the Oklahoma City Symphony Orchestra. Joan completed real estate coursework and joined a local firm. She also maintained her civic involvements, including the Symphony. Through her real estate work, she met Konrad Kent Keesee and the two were married in 1960. They welcomed their only child the following year, Christian Kirkpatrick Keesee. Over the next twenty years, Joan maintained a very active role in various civic organizations, including volunteer work at Deaconess Hospital. Her own particular passion for animal welfare and environmental conservation emerged, and she led the effort to establish a zoological residency program at Oklahoma State University’s Center for Health Science, as well as serving on the board of the Free to Live Animal Sanctuary. Joan was also an active president of the Kirkpatrick Foundation, guiding the programs and grants of that body. She received many accolades for her work, including the honor of having the Oklahoma City Zoo name its Animal Health and Welfare Complex for her. 123456789 Christian Keesee Christian Kirkpatrick Keesee is the only child of Joan Elson Kirkpatrick and Konrad Kent Keesee. Grandparents John and Eleanor Kirkpatrick became significant figures early in Christian’s life, involving him in their various civic and business activities, including monthly financial planning meetings. He quickly absorbed his grandmother’s passion for the arts, and his first role as host was a fundraiser for the Oklahoma Art Center located on the state fairgrounds. Two years later, while serving on the Kirkpatrick Foundation’s board, Christian launched a project to revitalize and reopen a facility that his grandfather had built to house the Oklahoma Arts and Sciences Foundation. This developed into the City Arts Center, with Christian serving as the first president of its Board of Directors. Around the same time, he was invited to join civic, cultural and political leaders through the People to People Exchange, a delegation that visited Russian national galleries in Moscow and St. Petersburg. This became the first of several serious tours engaged in learning about the post-Soviet artistic movement. In a subsequent visit, Christian and freelance curator Jon Burris met with more than 100 artists, visiting various collections and conducting interviews and research, which would eventually become “New Russian Art: Paintings from the Christian Keesee Collection,” an anthology published in 1995. As Christian’s art collection grew, it expanded to include pictures by American photographer Brett Weston. Both the Russian and Weston collections would be featured exhibits at the burgeoning City Arts Center. Christian would later make significant gifts from these collections to such esteemed museums as the J. Paul Getty in Los Angeles. Christian welcomed his only son, Blake, in 1997. Beyond his focus on art, Christian also supported the creation of a 4H program in Yukon, hosted a fundraising event for St. Anthony Hospital and founded the Historic Green Mountain Falls Foundation in 2006. The following year, Christian together with the Kirkpatrick Family Fund supported the Green Mountain Falls Comprehensive Plan to revitalize the community on a broader scale. The plan has led to the renovation and development of a variety of historic landmarks, most notably the Outlook Lodge. In 2009, the annual Green Box Arts Festival debuted in Green Mountain Falls. Christian firmly believes that community investment in the arts spurs economic development and has demonstrated this in other communities, including Marfa, Texas, under the auspices of the Oklahoma Contemporary Arts Center. That facility is elegantly housed in a repurposed iconic Gulf service station. He is currently engaged in developing a new Oklahoma City home for the Oklahoma Contemporary Arts Center at 11th and Broadway. Christian was recognized by the Oklahoma Arts Council as the 2012 recipient of the Governor’s Art Award. He was also recognized by the Cultural Office of the Pikes Peak Region with the Business Leader in the Arts Award.
CareersLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Careers Careers Kirkpatrick Bank seeks qualified candidates for career opportunities in the Oklahoma City, Colorado Springs and Denver areas and offers a competitive compensation and benefits package. Qualified candidates will have a passion for excellence in all that they do, with a focus on details and high standards for accuracy. They regard themselves as more than their job and enjoy making a positive contribution to people’s lives.Kirkpatrick Bank has a strong legacy in customer service and community citizenship. Our most essential resource to maintain and grow this legacy is exceptional employees. With your talents and our legacy, we touch lives and grow communities.JOIN OUR TEAM Kirkpatrick Bank's Mission StatementTo provide attentive and personalized services to a diverse customer base, provide meaningful employment to our employees, enhance the economic viability of the communities we serve, and consistently provide above peer returns to our shareholders. Employment and Hiring StandardsKirkpatrick Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, disability, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.Kirkpatrick Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment including, but not limited to, hiring, placement, promotion, termination, layoff, recall, transfers, leaves of absence, compensation, and training.Kirkpatrick Bank expressly prohibits any form of unlawful employee harassment based on race, color, religion, gender, sexual orientation, national origin, age, disability, or veteran status. Improper interference with the ability of Kirkpatrick Bank's employees to perform their expected job duties is absolutely not tolerated.Diversity and InclusionKirkpatrick Bank is committed to fostering, cultivating, and preserving a culture of diversity and inclusion.The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities, and talent that our employees invest in their work represents a significant part of not only our culture but our reputation and success.We embrace and encourage our employees’ differences in age, color, disability, ethnicity, family or marital status, gender identity or expression, language, national origin, physical and mental ability, political affiliation, race, religion, sexual orientation, socio-economic status, veteran status, and other characteristics that make our employees unique. Open an Account Privacy ADA Compliance © 2021 Kirkpatrick Bank. All rights reserved.
Officers & DirectorsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Officers & Directors Officers & Directors Family History Bank History Savings Square Annual Report Officers & Directors Board of DirectorsGeorge M. Drew, Kirkpatrick BankJohn D. Garrison, C.P.A., Financial AdvisorChristian K. Keesee, Kirkpatrick Family FundTrenton Stafford, Chief Lending Officer & Colorado Market PresidentRobert R. Kirby, Kirkpatrick Bank, retiredDavid L. Sutter, Kirkpatrick Bank, retired Executive LeadershipChristian K. Keesee, ChairmanGeorge M. Drew, President & CEOJames A. Shane, Senior Executive Vice President, CFOKyle Powell, Head of Oklahoma LendingGrace Meyer, Senior Vice President, Corporate SecretaryTrenton Stafford, Chief Lending Officer & Colorado Market President Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Savings SquareLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Savings Square Savings Square Family History Bank History Savings Square Annual Report Officers & Directors Click here to apply online or login to your Savings Square account. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
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Family InvestingHow Family Offices Are Investing Directly in BusinessesThere's a potential new investor for business owners seeking to get to the next level.For decades, corporations, public market investors and private equity firms with deep pockets got the attention of business owners seeking new investors or an influx of capital. But a new trend is proliferating. Over the past few years, family offices that traditionally have acted as limited partners have been investing directly in businesses, cutting out private equity firms, bypassing the associated management and performance fees, and buying larger pieces of companies. And that means a potential new investor or buyer for business owners seeking to get to the next level.Direct Investment: The Family Office’s New FrontierWhile this shift has led to increased competition for private equity firms, it also is causing investment banks to consider family offices as an option when a company is interested in being sold or raising growth capital. Here’s what you need to know about the rise of family office investing:A longer-term approach. As patient capital providers, family offices are content to hold investments that are performing well, while looking beyond short-term fluctuations. The tendency to hold companies for a longer period of time may be appealing to management teams who may own equity in the company and wish to stay in place after an acquisition.A shot of support. They also use their personal experiences and expertise to help support the companies in which they invest – typically attractive to founder-owned businesses.Preferred middle-market options. In terms of investment size, family offices can compete against other private equity firms within the middle market. In 2014, 77% of investors polled by McNally Capital said they preferred direct deals over private equity funds. That same year, 84% of family offices said they planned to make a direct investment in a private company within the next two years.A Fruitful FrameworkAs companies consider moving away from private equity firms, the family office-direct investing model is enjoying great success. Spearheading the trend is Pritzker Group, which has been investing family money directly into companies for 14 years and has acquired four platform companies in 2015. Focusing on manufactured products, services and healthcare investments, Pritzker Group is best known for creating the Hyatt hotel chain and the Marmon Group, which was bought by Berkshire Hathaway for $4.5 billion in 2007.“We have increasingly expanded our dialogue with family offices as we recognize the popularity of the family office-direct investment model,” said David Clark, head of the Financial Sponsors Group at Raymond James. “Over the past 12 months, we have sold three businesses to family offices and continue to include them in our processes as they often represent a unique fit for our clients who are looking for a more patient, long-term capital partner.”Private equity firms may still be an attractive option, however, particularly for companies with strong growth prospects. To combat the competition, these firms are moving toward an industry-specific structure that allows them to develop the expertise needed to be more strategic in the way they acquire, support and grow companies.But while private equity firms’ track record in generally achieving fast returns has allowed them to remain in the majority*, family offices will continue to grow and should be considered a viable option for companies thinking about selling or raising private funds.Sources: Mergers & Acquisitions, New York Times, McNally CapitalPast performance may not be indicative of future results. Investing involves risk including the possible loss of capital.
Business Estate PlanningYour Business Deserves an "Estate Plan"Drafting a succession plan now can help your business stand the test of time.As a business owner, you’ve invested so much into making your business successful – hard work, time, money, energy.It’s truly hard to imagine your business without you. But chances are there will come a day when someone else will take the reins. And a seamless succession plan, one carefully and thoughtfully devised well in advance, is essential to making sure your business enjoys continued success for generations to come.Harder Than It SoundsThe facts are a bit grim. Only 30% of privately held businesses survive into the second generation, and less than 15% survive into the third, according to Nuveen Investments. A well-planned transition strategy can help you avoid this common pitfall.For many hardworking business owners, succession planning represents the notion they can be replaced – a pretty uncomfortable scenario. Perhaps that explains why only 3% of business owners surveyed for the 2011 U.S. Trust Insights report on Wealth and Worth had formal succession plans as part of their estate-planning documents.But in the manner estate planning helps protect your loved ones and assure your wishes are carried out as you intend, a succession plan does the same for your business if for any reason you are no longer there. In short, it safeguards your legacy.A thorough succession plan considers not only your exit from the business, but also your retirement needs and personal estate. It provides for an orderly transition of management and the passing of control of the business. It also avoids the potential pitfalls of loved ones having to make difficult decisions during stressful times, or leaving the future of your business to happenstance.And it’s never too early to start thinking things through.With your professional advisors, consider these questions:How can you protect your business and benefits in order to hedge catastrophe and ensure future continuity?With retirement on the horizon, how can you gracefully exit the business and realize the maximum value for your hard work?What if something happened to you unexpectedly? Have you created an effective contingency plan that protects your staff and customers?You may want to groom an heir from within the family, groom someone outside the family, consider an outright sale, or have an expert take over until your chosen heir is old enough or fully prepared. Any one of those scenarios takes time to develop.Succession StrategiesThe financial implications of business succession are complex, but you and your financial advisor can tap into several strategies to help you refine your plan.Here are a few examples:Sale to Intentionally defective grantor trust (IDGT) – Don’t let the name throw you off. A sale to an IDGT is a sophisticated planning strategy to transfer assets from one generation to another, while minimizing income, estate and gift tax liabilities. Families with closely held businesses structured as partnerships or S corporations may find it particularly helpful as they smooth transfers to your heir without incurring gift or capital gains taxes on the sale and shift the value of the assets out of the grantor’s estate.Grantor retained annuity trust (GRAT) – A GRAT can help insulate assets that you expect to appreciate significantly from being overly taxed, and can create a meaningful difference in net proceeds for business owners contemplating a sale or transfer. This is one technique that can transfer wealth with little practical impact on the underlying transaction, yet with substantial wealth transfer results.Self-canceling installment note (SCIN) and intra-family loan – When you use an SCIN to finance the sale of your business interest, the buyer promises to make payments of portions of the sale price to you for a specified period of time. If the seller dies before payment in full on the note, the note is cancelled and no further payments need to be made to the seller’s estate or beneficiaries. Selling a business interest to a family member in a lower tax bracket using an SCIN may allow for a reduction in overall family tax liability. An intra-family loan can be used in coordination with an SCIN..Putting a plan in place means you and your business are prepared come what may, even in the case of disability or an untimely death. But it’s not just about being prepared in an emergency. It’s about sustainability.While these can be difficult conversations to have with family members and business associates, they can actually bring comfort – knowing everyone is on the same page when it comes to the future success of your business.Source: Nuveen InvestmentsChanges in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
Risk ManagementRisk Management DemystifiedFind the right mix of insurance coverage to live with confidence.20-year-olds have a 30% chance of becoming disabled for at least six months before age 67.Source: Social Security Administration, 2011Let’s face it: Life is a risk. That’s why risk management is a crucial part of a long-term financial plan. When it comes to investments, we’re talking diversification and asset allocation. When it comes to your family, health, property and income, we’re talking insurance.But what kind of coverage do you really need? Take a deeper look at four useful types of policies. Life InsurancePerception: It’s just for people with dependents.Reality: It can be used as a flexible planning tool that provides liquidity, and the survivor benefit is generally not considered taxable income.Though term life insurance is designed to replace the income of a breadwinner if the unthinkable happens, what’s called a “permanent” policy has an investment component that can be helpful for things such as keeping the family business functioning or paying estate taxes after death.Disability InsurancePerception: The risk of long-term disability is too minimal to worry about.Reality: Sadly, today’s 20-year-olds have a 30% chance of becoming disabled for at least six months before age 67, the Social Security Administration estimated in 2011. If you’re out of work for an extended period, the lost income can easily reach six figures or more. Even if your profession isn’t strenuous, you may not be in the clear – cancer is the second-leading cause of claims, according to insurer Sun Life Financial.What about that government safety net, you say? Workers who pay into the system are eligible to apply for Social Security disability insurance, but the average benefit in 2016 was just $1,167 a month.Considering all of this, it’s best to get a professional opinion about whether you can afford the consequences of going without this type of coverage.Long-term Care InsurancePerception: Coverage isn’t needed – doesn’t Medicare pay for that?Reality: Help with the tasks of daily living, similar to care provided in a nursing home, isn’t covered by Medicare.Such aid is a common necessity. Seven out of 10 people turning 65 in this day and age can expect to use some form of long-term care, according to the U.S. Department of Health and Human Services, though only one out of 10 has planned ahead to pay for it.Securing this type of policy allows you control over the situation, making sure your future needs will be met without creating an undue burden for your loved ones. Though coverage can be expensive, there are federal and state tax breaks available for qualified plans.Seven out of 10 people turning 65 can expect to use some form of long-term care.Umbrella InsurancePerception: People who are very wealthy need it.Reality: If you often entertain at your home, own a dog, have a teenage driver in your household or ride jet skis in your spare time, you might want to prepare for a rainy day.This basically is an extra layer of liability coverage above the limits on your home, auto and other policies – protection just in case you or a family member cause harm to someone else. For example, if your dog attacks a visitor and your home insurance covers up to $300,000 of liability, then you’re on the hook for anything above that amount if the injured party sues. If you don’t have the money, your wages could be garnished.Time for a Fresh PerspectiveFacing risk isn’t easy, but the protection you can gain for yourself and your loved ones makes it all worth it. That’s why you should review your insurance needs once a year and after each big milestone in life. You can always call on your advisor to coordinate with other professionals in determining the proper policies and coverage for you.Asset allocation and diversification do not guarantee a profit nor protect against a loss.
Vacation HomeLeaving the Vacation Home to FamilyTap into available strategies to ensure a smooth transition for those you love.Whether sporting a lakefront view or nestled in a mountainside perch, your vacation home is a place where special moments happen and important memories are made – a place where your family comes together. But, if you’re not careful, the gift of a vacation home can be a source of conflict for those who inherit it, even spurring battles between family members. One of the best ways to avoid family discord is to plan, and plan early.It’s crucial to ask the right questions when deciding how to pass on your property. Who wants it and – an important follow-up – who can maintain it and keep up with insurance and taxes? How do you make things equal if more than one sibling is interested? If disagreements come up, what then? Should your beneficiaries sell the home, or perhaps buy each other out? What are the terms of use during your lifetime and even after?Your advisor can help answer these questions and guide you through the process, raising concerns you may not have considered and discussing available strategies to establish a plan that satisfies each person involved.Here are four estate planning strategies to consider:Outright TransfersThe simplest way to pass your vacation home on is to leave it outright in your will to specific children or family members. While this is the simplest option for you, however, it may lead to headaches and conflict for your loved ones. The added complexities that come with an outright transfer often spark disagreements and resentment between those who receive the property. Equal ownership means all owners have an equal responsibility to pay for associated costs, and each has a say in decisions concerning the home. Who can use it and when? Should it be sold and for what price? What projects should be invested in to fix it up? These questions and more can lead to contention between family members, and conflicts are not always easily resolved.Family Limited Liability CompanyAn LLC can offer tax advantages while providing you with greater control over the property, even after shares are given to your children. You serve as the manager of the LLC, enabling you to pass ownership of the home to the LLC itself, and then transfer shares to individual family members. Those included in the LLC create a detailed operating agreement specifying who has access to the home and when, as well as who’s responsible for taxes, upkeep and other expenses.Gift to Qualified Personal Residence Trust (QPRT)QPRTs allow you to transfer your property and continue to live there for a specified number of years, while avoiding federal estate taxes and mitigating federal gift taxes. You continue to pay the carrying costs of the home, including real estate taxes. At the end of the term, the property passes outright to those named as your remainder beneficiaries with no estate tax.Gift to Grantor TrustThis irrevocable trust owns the assets held by it for transfer tax and state law purposes, but the assets are treated as owned by you, the individual grantor, for income tax purposes. No loss or gain is recognized during the sale of an asset by a grantor to a grantor trust. The trust structure also can provide rules regarding sharing use and expenses among your loved ones.It’s more than possible to incorporate your vacation home into your estate plan in a way that works for everyone. Your advisor and tax professional can help as you decide what to do with a home that has long served as a place of connection and communion for you and the ones you love. Be sure to discuss your particular family dynamics, beneficiary circumstances, anticipated operating costs, intended use and liabilities, desire to keep tangibles and furnishings on the property, and the tax consequences for individual beneficiaries.Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.
Combat Compassion FatigueHow to Combat Compassion FatigueCaregiver burnout affects millions. Here’s how to fight it.Caregivers must perform a delicate balancing act — caring for their loved one and other family members, while also caring for themselves.“These challenges often lead to emotional and physical stress as caregivers try to find a way to balance all of their caregiving duties and other life responsibilities,” says Amy Goyer, a caregiving expert for AARP.America’s caregivers spend an average of almost 25 hours a week providing care for their loved ones, with almost one-quarter of those surveyed devoting at least 41 hours, a study by AARP and the National Alliance for Caregiving found. That can include helping loved ones perform daily activities, such as bathing, or they may provide medical care, such as giving injections or dressing wounds. What’s more: many caregivers do so without having received any training to help them handle those responsibilities, the study found.As a result of those demands, “caregivers don’t care for themselves (and) their health really starts to suffer,” says Gail Hunt, president of the National Alliance for Caregiving, a nonprofit coalition of organizations working to improve the lives of caregivers.In fact, 22% of the caregivers surveyed said their own health had declined since they began their caregiving duties, and 38% said their caregiving situation was “highly stressful.”The demands of daily life often mean caregivers let their social life slide. “That means a lack of connections and a shrinking support system,” Goyer says. “We become isolated, which puts us at risk in all sorts of ways, including in terms of our health.”Stress and exhaustion can also have a major impact. “We may become short-tempered, less patient, scattered and discouraged,” she says. “It’s hard to keep up a positive attitude and encourage those we are caring for when we are so depleted.”Finding Strength in SupportWith more than 43 million Americans providing care for a loved one1, caregivers should know they don’t need to soldier on alone, as resources are available to make their physical, emotional and financial lives easier.Goyer recommends that caregivers take part in a support group, either online or in person, so they can draw on the knowledge and insights of others. While organizations like AARP offer a wide range of caregiver resources from self-care to legal and financial help, caregivers can find this kind of peer-to-peer support from Facebook groups that allow users to share experiences and insights to better equip them with assisting loved ones with specific illnesses, such as dementia.Another important resource is the Eldercare Locator, provided by the U.S. Administration on Aging, which allows caregivers to find services that are available in their area.For caregivers who work, or who want their loved one to have contact with others, adult day care may be an option, Hunt says, and fees are usually based on a sliding scale.Caregivers also might be able to find respite care for their loved ones, so they are able to take a break, or can seek homemaker assistance, meal delivery and other services that can make caregivers’ lives easier, Goyer says.One law designed to empower caregivers is the CARE (Caregiver Advise, Record, Enable) Act. Already adopted by 32 states and the District of Columbia, the measure is designed to help caregivers stay informed when a loved one is in the hospital, and to help them be better prepared to care for that person once he or she returns home.Among other things, the act requires a hospital or rehabilitation facility to record the name of the caregiver when a loved one is admitted, and then notify the person when the patient is to be discharged. It also requires hospitals and rehabilitation facilities to provide information and instruction on medical tasks the caregiver will need to perform.The Costs of CareAlong with the emotional and physical challenges, caregiving can also place heavy demands on a caregiver’s financial life, says Frank McAleer, vice president of financial planning and retirement solutions at Raymond James.Those who leave the workforce to be a caregiver lose an average of $325,000 in wages1 and benefits, McAleer says. They also spend about $11,000 out of pocket each year to help care for their loved one.2Even those who continue to work might have to cut back on their hours or skip a promotion in order to provide care, Goyer says.The survey by the National Alliance for Caregiving and AARP found nearly one in five caregivers experienced financial strain.That means it’s incumbent that individuals plan for the possible financial impact of caregiving. That planning typically needs to begin when clients are in their 50s, McAleer says.But many people don’t want to admit their concerns, or know where to begin. To address that, McAleer educates Raymond James’ financial advisors on questions they can ask clients regarding any potential caregiving needs that could affect their financial plans.The company has also made available guides to help clients navigate healthcare, caregiving, transportation and housing needs, both for loved ones now and for themselves in the future.“One common theme is money,” McAleer says. “Caregivers often have to navigate financial topics with their loved ones, while also managing their own money.”By proactively preparing a financial roadmap for such costs, caregivers are thus better positioned to combat any compounding stress that may contribute to their emotional and physical well-being.1“Caregiving in the U.S.,” AARP, 20152“Study of Caregiver Costs to Caregivers,” Metlife, 2011Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.
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FDICFDICThe FDIC has made available several on-line tools that explain deposits insurance rules, and also calculate FDIC deposit insurance coverage. FDICThe FDIC has made available several on-line tools that explain deposits insurance rules, and also calculate FDIC deposit insurance coverage.Available ToolsFDIC: Your Insured DepositsElectronic Deposit Insurance Estimator (EDIE)FDIC Consumer ResourcesFDIC Memorandum: Insurance of Revocable TrustHave a question about or complaint about the FDIC? Go to the Office of Ombudsman Need HelpThe FDIC Call Center will direct your call.Toll-free numbers:877-ASKFDIC (877-275-3342)TDD: 800-925-4618Hours of operation:8:00 am - 8:00 pm ET Monday - Friday9:00 am - 5:00 pm ET Saturday - Sundaypublicinfo@fdic.gov
Business Credit & Debit Card OptionsLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Business Card OptionsWhat are the business credit card options? Business Credit & Debit Card Options Business Card Options Cybersecurity Lending Services Treasury Management Visa Corporate Credit CardsCorporate Credit Card options for businesses, non-profit organizations or government entities of various sizes are available through our partnership with TCM Bank, N.A. Corporate credit cards can be customized to include the customer’s choice of reward packages and spending limits. All card options include online account access, improved accounts payable efficiency, improved cash flow, and improved reporting to manage and track business expenses. See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval. Cards are issued by TCM Bank, N.A., and subject to credit approval.Click here to apply or for more informationFor current cardholders, click here to access your credit card account. You will be able to view your account transactions, statements, make a payment, and more.cRewards℠To sign up or view the reward point catalog, visit www.cRewardscard.comBusiness Debit CardsDebit cards can be used to make purchases or to withdraw cash from an ATM. Our debit cards have fraud protection and can be replaced if lost or stolen. The Kirkpatrick Bank business debit card is a powerful tool that offers convenience and control for your business purchases anytime, anywhere. Open an Account Privacy ADA Compliance © 2022 Kirkpatrick Bank. All rights reserved.
Wealth Management - InvestingLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Wealth ServicesHow to invest Invest Services Invest What are your needs, your dreams, your goals for the future? We listen and we partner with you and your advisors.Traditionally, wealth management concentrates on investments, financial planning, and trusts. This approach can ignore the issues that contribute to the disappearance of family wealth or loss of a business that supports employees, families, and communities.We deploy leading-edge wealth impact strategies designed to help you bring about a smooth transfer of holdings and uninterrupted continuity of your legacy and business interests. Josh Waymire Colorado Wealth Services - Raymond James Advisor 719.577.4175 Email Bill Callis Managing Director, APG Financial Advisor, RJFS Oklahoma Wealth Services - Raymond James Advisor 405.563.8100 7 NE 6th Street, Suite 100, Oklahoma City, OK 73104 Email Would you like investment insights from our Wealth Service Specialists? Sign up to receive our quarterly investment strategy and/or WorthWhile, a publication of thoughtful insights Email Newsletter Quarterly Investment Strategy WorthWhile Sign Up Please note: Raymond James is an independent organization. Investment products offered through Raymond James are NOT deposits: are NOT insured by the FDIC or any other agency: are NOT guaranteed by Kirkpatrick Bank: and ARE subject to risk, including loss of principal.Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc.APG Wealth management is not a registered broker/dealer and is independent of Raymond James Financial Services. Articles of Interest How Family Offices Are Investing Directly in BusinessesThere's a potential new investor for business owners seeking to get to the next level.READ THE FULL ARTICLE Your business deserves an estate planDrafting a succession plan now can help your business stand the test of time.READ THE FULL ARTICLE Risk management demystifiedFind the right mix of insurance coverage to live with confidence.READ THE FULL ARTICLE Leaving the vacation home to familyTap into available strategies to ensure a smooth transition for those you love.READ THE FULL ARTICLE Combat compassion fatigueCaregiver burnout affects millions. Here’s how to fight it.READ THE FULL ARTICLE Open an Account Privacy ADA Compliance © 2021 Kirkpatrick Bank. All rights reserved.
FHA LoansFHA Loans What is an FHA Loan?Created in 1934 during the Great Depression, the FHA is a government agency that provides mortgage insurance to lenders. An FHA loan offers more flexible credit qualifying guidelines than other loan types. This is due to the fact that the Federal Housing Administration (FHA) insures this type of loan. FHA does not lend the money, they guarantee the loan. Due to the fact that the government is backing the loan, a lender is able to offer a competitive interest rate. FHA guidelines set a lower credit score (example: 620 credit score) to qualify for an FHA loan, where a conventional loan will require a higher (example: a 700 credit score). However, this number may vary from lender to lender. FHA loans also require a Mortgage Insurance Premium. An FHA loan is a home loan that the U.S. Federal Housing Administration (FHA) guarantees. Private lenders like banks and credit unions issue the loans, and the FHA provides the guarantee to the lender. Apply for A FHA Loan Today!
Conventional LoansConventional Loans What is a Conventional Loan?A conventional loan is a mortgage that is not guaranteed or insured by any government agency. It is typically fixed in its terms and rate. About half of all conventional loans are called “conforming” mortgages because they conform to guidelines established by Fannie Mae and Freddie Mac.These two government-sponsored enterprises (GSEs) buy mortgages from lenders and sell them to investors. Their purpose is to make mortgages more widely available. All conforming mortgages are also conventional mortgages.Loans that do not conform to GSE guidelines are referred to as “non-conforming” home loans. Non-conforming loans that are larger than loan limits set by the GSEs are often referred to as “jumbo” mortgages. All non-conforming mortgages are also conventional mortgages.Apply for A Conventional Loan Today!
VA LoansVA Loans What is a VA Loan?The VA Loan is a benefit established in the GI Bill of Rights, signed into law by President Franklin D. Roosevelt. It provides veterans with a federally guaranteed home with no down payment. This feature was designed to provide housing and assistance for veterans and their families, and the dream of home ownership became a reality for millions of veterans. The GI Bill contributed more than any other program in history to the welfare of veterans and their families, and to the growth of the nation's economy. Eligibility for the VA loan is defined as Veterans who served on active duty and have a discharge other than dishonorable after a minimum of 90 days of service during wartime or a minimum of 181 continuous days during peacetime. There is a two-year requirement if the veteran enlisted and began service after September 7, 1980 or was an officer and began service after October 16, 1981. There is a six-year requirement for National guards and reservists with certain criteria and there are specific rules concerning the eligibility of surviving spouses. Being a veteran doesn't make a homebuyer automatically eligible for a home loan, you must also meet credit/income requirements to be eligible. VA guaranteed loans are made by private lenders, such as banks, savings & loans, or mortgage companies to eligible veterans for the purchase of a home, which must be for their own personal occupancy. The guaranty means the lender is protected against loss if you or a later owner fails to repay the loan.Apply for A VA Loan Today!
Beneficial OwnershipBeneficial Ownership The Rules forNew Account Opening andBeneficial OwnershipWhat is beneficial ownership? Who is affected?What are the new rules?Helping to fight money laundering and other financial crimes The Financial Crimes Enforcement Network (FinCEN) of the U.S. Treasury has issued rules that require financial institutions to expand their customer due diligence programs to include the collection and verification of beneficial ownership information for business and legal entity customers at new account openings.What is beneficial ownership?An individual’s beneficial ownership in a business or legal entity is determined by applying two separate criteria: ownership percentage and management control.Ownership percentage – If an individual owns a 25 percent or more equity interest (e.g. a shareholder) in the business or legal entity then they must be identified. This minimum standard for ownership percentage could affect zero to 4 persons. Management control – The one individual that holds a significant responsibility to control, manage or direct the business or legal entity (e.g. CEO, President, Treasurer, General Partner, Managing Member, etc.) in other words a high-level official.The beneficial ownership rule requires that a business or legal entity customer must provide identifying documentation for at least one person to open a new account.What type of documentation is needed?Beneficial owners must provide documents with their name, address, date of birth and Social Security number or other government identification number. In the case of foreign person, a passport number or other similar information is required.Original documents are not required.Copies of identity documents are acceptable in the case of the beneficial owners. In some instances, copies of other identifying documents may also be required for each beneficial owner.What is a legal entity customer?The legal entity definition includes a corporation, a limited liability company, other entity created by the filing of a public document with a Secretary of State or similar office, a general partnership, and any similar entity formed under the laws of a foreign jurisdiction that opens an account. Importantly, also included are limited partnerships, business trusts that are created by filing with a state office, and any other entity created in this manner.What is an account?An account means a formal financial relationship established to provide or engage in services, dealings, or other financial transactions including a deposit account, a transaction or asset account, a credit account, or other extension of credit. Account also includes a relationship established to provide a safe deposit box or other safekeeping services, or cash management, custodian, and trust services.How long are records retained?The financial institution must retain the information for five years after the date the account is closed or, in the case of credit cards, five years after the account Is closed or becomes dormant.The rules that expand the customer due diligence programs are subject to certain exclusions and exemptions. For a complete explanation of the program please check with our new account specialist.Thank you for your cooperation in this important effort.7
Mortgage Loan ProcessLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Mortgage Loan ProcessGetting mortgage-ready includes a good credit score,a knowledgeable lender, and a strong real estate advisor Apply Now Mortgage Loan Process Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Mortgage Ready What Can I Afford My Credit Score 7 Home Buying StepsWhat can you expect from now until closing day?These steps give you a behind-the-scenes look 1. PrequalifyPrequalify online. Go to Apply Now and begin. Do this first so you know how much home you can afford2. Meet with Your Kirkpatrick Bank Team MemberDiscuss programs, monthly payments, and interest ratesGet a prequalification letter to strengthen your purchase offerPut the finishing touches on your loan application3. Shop for Your Dream HomeWork with a local Realtor to find the right home in your prequalification rangeLet your loan officer know when the seller accepts your offer4. During the Loan ProcessSign and return initial loan documentationSubmit an executed purchase contract to your loan officer to lock your rateSchedule an inspection to check the home for any major issuesYour lender orders the appraisal and lets you know key contract datesSecure homeowners insurance coverage before your closingPromptly provide requested documentation 5. Get Ready for Final ApprovalThe processor orders title commitment and preps your loan for underwritingThe underwriter makes the final loan approval decision6. Review the Closing Disclosure (CD)Your CD includes your final loan terms and closing costsYou get the CD at least 3 business days before closingWe confirm closing details: Where, when, who, and how much for your closing costs7. Close on Your HomeClosing usually takes place at a title companyBring a valid driver’s license for each borrower, plus a certified/cashier’s check if closing costs are due (payable to the title company)Sign documents, get the keys, and celebrate because you’re a homeowner!IT’S REALLY THAT EASY!You’re now the proud owner of a new home. And you’ve made a friend for life: we are only a call away to answer your questions about your mortgage. Loan ChecklistLet's Get StartedTo help us better serve you, please be ready to provide the following documentation. You may be asked for additional items during the process. Bank StatementsShowing most recent two-month history - ALL PAGESRetirement StatementsShowing most recent two-month history - ALL PAGESEmployment Pay StubsFrom the last 30 days of all jobs held by each applicantW-2 FormsFrom the most recent two years for each wage-earner applicant Personal Federal Income Tax Returns (1040S)From the most recent two years, with all schedules, statements, and addenda (completed and signed)Most Recent Mortgage StatementFor any other properties owned by the applicantCopy of Driver's License for Each Applicant By furnishing any and/or all of the documentation, an applicant is in no way obligated to accept the terms and conditions of the mortgage offered, nor does the borrower have to provide these documents to receive a Loan Estimate. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Loan OptionsLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Loan OptionsBuilding a new home, buying a new home, or buying an olderhome needing renovations, we have loan options that work for you Apply Now Loan Options Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Financing OptionsWe offer various options to help you finance your home. Your Home Lending Expert can review each of the following with you to help determine which mortgage loan is right for you, including term length and fixed or an adjustable rate. Loan TypeThe BenefitsThe DetailsFixed–Rate Mortgage/ ConventionalWith a fixed–rate mortgage, you'll always know what your monthly principal and interest payments will be. You can also lower your monthly payments by spreading them out over a long period of time.Your interest rate is guaranteed to remain fixed for the length of the loan. The lower/shorter the term, the more you save in interest payments.Adjustable–Rate Mortgage (ARM)An adjustable-rate mortgage (ARM) also called a variable-rate or floating rate mortgage, is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan.Your interest rate is fixed for a period of time, and then converts to an adjustable rate, with periodic adjustments for the remaining term of the loan, based on a benchmark or index plus an additional spread or margin.Jumbo MortgageFinancing is available up to 85% of your home’s value with no mortgage insurance for a purchase or refinance with no cash back subject to property type, a required minimum credit score and a minimum amount of monthly reserves.Example: Loan amount up to $850,000 for a house that appraises for $1,000,000.Jumbo mortgages are available when you need to finance amounts greater than conventional limits, up to $3 million on an eligible primary residence or second/vacation home, up to $1 million on an investment property.FHA MortgageFHA mortgages offer down payments as low as 3.5%, which can include the use of gift funds. You do not need to meet low-to-moderate income requirements to qualify.Example: Down payment of $3,500 for a house that appraises for $100,000An FHA Mortgage is a loan insured by the government. It can be used to purchase or refinance 1– to 4–unit properties dwellings up to a defined limit. Monthly mortgage insurance is required, as well as a mortgage insurance premium paid at closing.Veterans Affairs (VA)VA loans have low or no down payment options available and do not have a mortgage insurance requirement resulting in lower monthly payments compared to other options.If you are a veteran or active-duty service member, or a member of the Guard or Reserve, you may be eligible for a VA loan. These can be used to purchase or refinance 1- to 4-unit dwellings. Loan Options Conforming ConventionalNon-Conforming Conventional (Jumbo)FHAVA StandardDown Payment*Minimum 3% downVariesMinimum 3.5% downNo money down for qualified borrowers for loan amounts below $453,100Program Fees(UFMIP**, Guarantee Fee, Funding Fee, etc.)NoneNone1.75% of loan amount0 - 3.30% of loan amountMinimum FICO Credit Score620Varies580 with AUS approve/accept eligible and max debt-to-income ratio of 43%580 with AUS approve/accept eligible and max debt-to-income ratio of 43%Second Homes(Y/N)YesYesNoNoInvestment Property(Y/N)YesMinimum 15% downYesNoNoMulti-Family Home(2-4 UNITS) (Y/N)YesNoYesYesIncome RestrictionsStandard conventional loans do not have income limits; however, income limits on specialty programs may apply.NoneNoneNoneMax Seller Contributions3% if LTV** > 90%6% if LTV 75.01-90%9% if LTV ≤ 75%2% for investment propertiesVaries6%4% Jumbo loans will be based on specific investor guidelines. See your Loan Officer for details.* Multiple bankruptcies within most recent seven years require a five-year waiting period. Fannie Mae and Freddie Mac require an AUS approval. Not a commitment to lend. Borrower must meet qualification criteria. Kirkpatrick Bank is not affiliated with the U.S. Government. Home Equity LoansA home equity loan is a great way to finance home improvements, education, vacations, or debt consolidation. Consult with your tax advisor to see how this loan may benefit you.Loan Application *Please complete this form, print it off and mail it to: Attn: Personal Loans, Kirkpatrick Bank, 15 E. 15TH ST. EDMOND, OK 73013. Or send via fax: Oklahoma 405-341-9125 Colorado 719-866-6311Do NOT email. Flex Equity LineThe Flex Equity Loan allows flexibility to obtain funds as needed, unlike a traditional second mortgage, which provides funds all at once. An available balance is established within the credit line, against which checks may be written to cover a wide range of needs, including college tuition, home improvement, or a new business start-up. Loan Application *Please complete this form, print it off and mail it to: Attn: Personal Loans, Kirkpatrick Bank, 15 E. 15TH ST. EDMOND, OK 73013. Or send via fax: Oklahoma 405-341-9125 Colorado 719-866-6311Do NOT email. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Financial CalculatorsLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit CalculatorsWhat mortgage payments can you afford, what rates and termsare available help you get into your dream home comfortably Apply Now Calculators Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Calculators function SiteMigrationAlert(TVSURL) { if(TVSURL.substring(0,11) === 'javascript:') return true; Lumos.show('#speedbump-message'); SpeedBump.exit_link.setAttribute('href', TVSURL); return false; } #tvcTabsDiv:not(.less-specific) { display: none; } #tvcInnerCalculatorDivId form { /*border: 1px solid #254fa8;*/ padding: 8px; } .cTimeValue .panel:not(#less-specific) { height: auto; border: none; } var tvcTabs = new Array('Home'); var tvcTabTitles = [''];//new Array('Home'); var tvcSelectedTab = 'Home'; TEMPLATE_ID = "WWW.KIRKPATRICKBANK.COM_1"; CALCULATORID = ""; PASSTHROUGH = ""; /* If you need to modify our calculator HTML after it has loaded, define a function called tvcAfterCalculatorsHaveLoadedFnc. */ /* For example: tvcAfterCalculatorsHaveLoadedFnc = customerDefinedCallbackFnc() { var ele = document.getElementById('tvcPC01TitleId'); if (ele !== null) {ele.innerHTML = "How much can I afford?"; }} */ function tvcAfterCalculatorsHaveLoadedFnc(){ $('.tvcPC10TitleClass').closest('li').remove(); } var tvcScriptElement = document.createElement('script'); var tvcCalculatorHtml = ""; var tvcHttp; if (document.location.href.substring(0, 5) == "https") { tvcHttp = "https://"; } else { tvcHttp = "http://"; } tvcScriptElement.src = tvcHttp + "www.TimeValueCalculators.com/timevaluecalculators/Calculator2.aspx?version=" + Math.random() + "&" + createQueryString(); tvcScriptElement.onload = tvcOnceLoaded; document.getElementById('tvcMainCalculatorDivId').appendChild(tvcScriptElement); Home FinancingShould I refinance?How much will my fixed rate mortgage payment be?How much will my adjustable rate mortgage payments be?How much will my payments be for a balloon mortgage?Should I rent or buy?Which mortgage is better for me?How much will I save by increasing my mortgage payment?How much mortgage might I qualify for?How much home can I afford? Calculator disclaimer The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. Presented by TimeValue Software ©2020 Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Get StartedLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Our Team Kirkpatrick Bank Home Loans team delivers expertise in every step of the mortgage loan process. including loan origination, underwriting, processing, closing and shipping, each of them with more than 20 years of experience. Get Started Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Please choose a lender and begin your application with them. If you don’t have a preference, GET STARTED HERE. Mortgage Lenders Barbara Drake Oklahoma MLO #561547 405.241.0831 Apply Now Email I grew up in Oklahoma City, attended Putnam City High and Central State University (now known as University of Central Oklahoma). I’m a graduate of the Southwestern School of Banking at SMU and hold a Master of Mortgage Lending certificate through APMW. I have 25 years of experience in mortgage lending. I am focused on finding the mortgage loan option that best fits my customer, one that is a sound loan decision. I am blessed to work with a team that gives our customers service at the level of a private bank experience. I am active in the Downtown Oklahoma City Lions Club, Central Oklahoma Home Builders and the Association of Professional Mortgage Women. Constance Ladd Oklahoma MLO #561549 405.241.0832 Apply Now Email I have had experience with every mortgage loan option available, from FHA, VA and conventional home loans. I’ve also worked in every aspect of the business, including loan origination, loan processing, underwriting, compliance and FHLP guidelines and systems. I am a certified first time home buyer’s instructor and love giving classes to empower people to move through the mortgage home loan process with confidence. I’m active with the Edmond Board of Realtors, the Oklahoma City Metropolitan Association of Realtors and the Oklahoma Association of Realtors. I volunteer for Habitat for Humanity and the Salvation Army Christmas Angel Trees. Wayne Bland Colorado MLO #755417 719.866.6333 Apply Now Email Originally from Oklahoma, I made Colorado Springs my home in 1999. I’ve had experience in both commercial and mortgage lending, but enjoy the opportunity to help people buy the right home with the right mortgage loan option and the right rate. I’ve been with Kirkpatrick Bank since 2011 and appreciate their support of the community, particularly my work on behalf of CASA, the Center for Non-Profit Excellence, the Downtown Rotary, the Green Box Arts Festival and Urban Peak. We have the best mortgage home lending team available and we work hard to make your home loan experience a pleasure. Scott Ryden Colorado MLO #1833799 719.866.6334 Apply Now Email I have been in banking for ten years, the first three in client services and personal banking. I joined Kirkpatrick Bank in 2013 as a Business Banking Representative. I am a graduate of Pikes Peak Community College and a founder of a non-profit, 1Hope for Cancer. I serve on the finance committee for Pikes Peak Regional Trails and Open Spaces Coalition. I feel fortunate to be launching a career in mortgage lending under Wayne Bland’s mentorship and working with such a great team. Mortgage Operations Terri Wirtz Operations Manager & Underwriter Oklahoma MLO #561553 Email My life’s career has been in residential lending with the past 19 years as an underwriter. I have experience in all aspects of the loan process from origination to closing. I am a Direct Endorsement underwriter with FHA. I have total confidence in our team. I’d put our team up against anyone in the industry because we take care of each customer as the VIP they are. Your loan is going to be right for you, accurately prepared, and closed on time! Suzanne Jackson Oklahoma MLO #561550 Email I make sure your loan file is ready and organized for approval. I check and recheck all the critical information. When you begin your mortgage loan application, I work with everyone involved in the process, making sure everything is accurate, moves smoothly and is completed in a timely manner. I have been in the mortgage lending business for 22 years and I still love the thrill of helping people make their dream of homeownership come true. Regina Lewis Oklahoma Email I am the person who finalizes your mortgage loan. I was a Realtor for 10 years prior to getting into mortgage lending, working in the banking environment since 1981. I coordinate all the steps of the loan closing, to provide detailed and accurate financial numbers for you, as well as making certain your loan documents are ready and delivered to closing on time. Katie Young Oklahoma Email I work with our investors that will service your loan. My job is to ensure the transition is smooth, complete and accurate in order to provide the great customer service relationship you deserve. I am available to you as well if you have questions or concerns. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Mortgage Tips and TermsLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Tips and TermsUnderstanding the costs and fees that are part of buyinga house and getting a home loan is key to your success ingetting the right mortgage loan Apply Now Tips and Terms Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Understanding Closing CostsThe most common closing fees are:Appraisal fee—For the estimate of your home’s market valueAttorney fees—For any legal representation to prepare and record documentsInspection fee—For examining for structural problems; also for termites, lead paint in older homes and your roofOrigination fee—For processing and administering your loanUnderwriting fee—For reviewing your mortgage applicationTitle fees—For the search to verify there are no tax liens on the property and for insurance to protect you if a problem is discoveredThere are also fees you may have to pay for applying for your loan, running your credit report, flood determination and monitoring, recording your purchase with the local government, and surveying your property.In some cases, your seller may pay some of your closing costs, especially if they’re motivated to sell quickly, but this comes with limitations.Your Home Lending Expert can answer any questions or help you understand your Closing Disclosure, so you can plan ahead for your closing costs.Mortgage Terms Made EasyAppraisalA lender cannot lend you an amount greater than what the property is worth. In an appraisal, someone independent of the lender, buyer or seller evaluates the property to determine the fair market value of the home. The determination is based on its characteristics as well as recent sales of comparable properties in the area. If the appraisal comes in lower than your offer amount, you can pay the difference between the appraised value and the purchase price at the closing table. Or, you can try to renegotiate the sales price with the seller. If neither of these options is successful, you’re able to nullify the purchase agreement and get your earnest money back.APRAnnual Percentage Rate or APR is the cost for the lender to give you the money based upon current market interest rates. APR includes the base interest rate as well as closing costs associated with your loan, including any origination fees, discount points, and settlement agent fees. When you compare interest rates, it’s important to look at the APR, rather than just the base rate, to get a more complete picture of overall loan cost.Earnest MoneyThis is a check you write when a seller accepts your offer and you draw up a purchase agreement. Your deposit of money is a show of good faith to the seller that you’re serious about the transaction. If you ultimately close on the house, this money goes toward your down payment and closing costs.EscrowAn escrow account is for funds to be held for future required payments. In the context of your mortgage, most people have an escrow account so they don’t have to pay the full cost of property taxes or homeowners insurance at once. Instead, a year’s worth of payments for both are spread out over 12 months and collected with your monthly mortgage payment. Your escrow amount is analyzed once a year by your lender to ensure the correct amount is being collected to pay for taxes and homeowners insurance.FICO® ScoreThis is a way for lenders and creditors to judge the creditworthiness of a borrower based on an objective metric. Clients are judged on payment history, age of credit, the mix of revolving versus installment loans, and how recently they applied for new credit. The scoring range is between 300 and 850. Credit score is one of the main factors in determining your mortgage eligibility.LTVLoan-to-value ratio(LTV) is one of the metrics your lender uses to determine whether you can qualify for a loan. All loan programs have a maximum LTV. It’s calculated as the amount you’re borrowing divided by your home’s value. You can think of it as the inverse of your down payment or equity. For example, if you have a 10% down payment, you have a 90% LTV.Mortgage NoteThe mortgage note, not the mortgage as typically thought, is where the terms of your loan are specified, such as the interest rate and term of the loan as well as when payments are to be made.PointsSometimes referred to as prepaid interest points or mortgage discount points, points affect your interest rate. By prepaying some interest upfront, for example, you can get a lower interest rate.PMI/MIPPrivate mortgage insurance (PMI) and mortgage insurance premium (MIP), are types of mortgage insurance to protect the lender and/or investor of a mortgage.If you make a down payment of less than 20%, mortgage investors enforce a mortgage insurance requirement. In some cases, it can increase the monthly payment of your loan, but the flip side is that you can pay less on your down payment.Conventional loans have private mortgage insurance, either borrower-paid mortgage insurance (BPMI) or lender-paid mortgage insurance (LPMI). BPMI is pretty straightforward: an extra monthly fee. LPMI programs, allow you to avoid the monthly mortgage insurance payment in one or a combination of ways. The first option is to take a slightly higher rate than loans that have BPMI. You may see the second option sometimes referred to as single-payment or single-premium mortgage insurance in which you avoid the higher rate by paying a one-time fee upfront. You can also make a smaller one-time payment at close and employ a combination of both options.FHA loans have MIP, which includes both an upfront mortgage insurance premium (can be paid at closing or rolled into the loan) and a monthly premium that lasts for the life of the loan if you only make the minimum down payment at closing. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Mortgage ReadyLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Mortgage Loan ProcessGetting mortgage ready includes a good credit score,a knowledgeable lender and a strong real estate advisorApply Now Mortgage Ready Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Mortgage Ready What Can I Afford My Credit Score Do’s and Don’ts for Being Mortgage ReadyWhen you decide you’re ready to buy a home, examine your own finances closer than you ever have before – because your mortgage underwriter will be looking at your finances even more closely. It’s the underwriter’s job to evaluate your income, credit score, and assets to make sure you’re a solid loan candidate.Because of this, it’s important that nothing you do makes your mortgage company question your ability to pay them back. Here’s a list of things you should avoid doing during the mortgage process.Don’t Make Big Purchases or Lifestyle ChangesAvoid any major lifestyle changes, if possible. Whether it’s buying a car or finally deciding to quit your job and become an artist, big changes that can put a strain on your bank account are red flags to underwriters.Even big deposits can be questioned by your underwriter. Your underwriter wants to see a steady, regular flow of income. Most lenders will ask for 20% of your home’s value upfront, in addition to other application and processing fees, which can be really expensive – especially for first-time homebuyers. If your family knows you’re house hunting, they might want to help you out but, if you’re accepting any sort of significant cash gifts to help with your down payment (anything exceeding 50% of your monthly income), you’ll have to do a few things to make sure your lender understands it’s a gift – not a personal loan.Your generous donor will have to write a gift letter to your lender. This should include personal information about the donor, their relationship to you, the property’s address, the total amount of money gifted, the date of the transaction, and a statement saying the donor is expecting nothing in return. Don’t Change Your Credit – At AllTurn that friendly cashier down when they tell you how much you’ll save by opening a charge with them. And, don’t close any cards out, either. Both actions can hurt your credit score, and you want your credit score to be as high as possible when you apply for a home loan.By opening a new line of credit, you’ll create an inquiry on your credit report, which can lower your credit score. And new payments that come with your new credit card can negatively affect your debt-to-income ratio.Instead of closing out credit accounts, just pay them off monthly like you typically would. This way you keep your open credit, and your credit score stays high. While some things in life can’t be changed, like illness, job loss, and natural disasters, others, like your personal finance habits and lifestyle, can be monitored and can hurt your chances for mortgage approval if not handled correctly. If you anticipate any big, unavoidable changes during the underwriting process, always make sure to talk them over with your Home Loan Expert.The PriceWhat you offer on a property depends on a number of factors including its condition, length of time on the market, buyer activity, and the urgency of the seller. While some buyers want to make a low offer just to see if the seller accepts, this often isn’t a smart choice because the seller may be insulted and decide not to negotiate at all.The Move-In DateIf you can be flexible on the possession date, the seller will be more apt to choose your offer over others.Additional PropertyOften, the seller plans on leaving major appliances in the home; however, which items stay or go is often a matter of negotiation. Typically, you will not be present at the offer presentation - your realtor will present it to the listing agent and/or seller. The seller will then do one of the following:Accept the offerReject the offerCounter the offer with changesBy far the most common is the counter-offer. In these cases, your realtor’s experience and negotiating skills become powerful in representing your best interests.When a counter-offer is presented, work with your realtor to review each specific area. Keeping your goals in mind, seek to negotiate the best possible price and terms. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
What Can I AffordLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Mortgage Loan ProcessGetting mortgage ready includes a good credit score,a knowledgeable lender and a strong real estate advisor,Apply Now What Can I Afford Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Mortgage Ready What Can I Afford My Credit Score Some Things to Consider Before You Decide to Buy a House:The Down PaymentYou’ll need money for your down payment—typically 10-20% of the purchase price (Example $10,000 to $20,000 for a house that appraises for $100,000) depending on the type of mortgage, and you may be responsible for closing costs, as well. Consider using some savings, a financial gift, or proceeds from a previous home sale for the down payment and closing costs. If your down payment on a conventional loan is less than 20%, you must pay private mortgage insurance (PMI), which covers the lender if you stop paying your mortgage and default on your loan. PMI usually costs less than 1% of the outstanding loan balance, so putting 20% down can save you thousands of dollars over the life of the loan. Learn more about down payment requirements.Your Credit ScoreBanks look at your credit score, your income, and the value of the home you’re buying to determine how much they’ll lend you. Credit scores range from 300 to 850. A higher credit score may lower your interest rate—and lower your monthly payment. If you’ve recently missed payments or maxed out your credit cards, you may consider waiting to purchase a home until your credit improves so you can qualify for a lower interest rate. Learn more about credit scores and how you can improve yours.Is My Debt-to-Income Ratio Less Than 43%?All of your monthly payments toward your existing and future debts should usually be less than 43% of your monthly income. However, the amount you qualify for based on this calculation may not be suitable for you. You should review your personal situation and work with a financial advisor to decide how much you can comfortably afford. To calculate your debt-to-income ratio, divide your monthly payments by your monthly gross income.Use this formula to get an idea of your debt-to-income ratio: A/B = debt-to-income ratioA= Your total monthly payments (such as credit cards, student loans, car loans, or leases; also include an estimated mortgage payment).B= Your average monthly gross income (divide your annual salary by 12).For example, if your monthly income is $5,000 and your monthly debts and future expenses are $1,000, your debt-to-income ratio would be 20%.If your debt-to-income ratio is more than 43%, you still may be eligible for a mortgage if another person completes the application with you. We'll ask you for the co-applicant information during the application process. Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
My Credit ScoreLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Mortgage Loan ProcessGetting mortgage-ready includes a good credit score,a knowledgeable lender and a strong real estate advisorApply Now My Credit Score Mortgage Loan Process Loan Options Calculators Tips and Terms Get Started Mortgage Ready What Can I Afford My Credit Score Know Your ScoreA credit score not only influences your home-buying potential but is essential for obtaining several services and big-ticket items. Ninety of the top 100 largest U.S. Financial Institutions use the FICO score to make consumer credit decisions, according to MyFico.com. Your FICO score is reviewed by most of the following entities:EmployersMortgage lendersLandlordsInsurance companiesCell phone companiesUtility companiesCredit card companiesCable companiesWhat Makes Up Your Score? Typically, the higher your credit score, the better your chances for approval and securing a lower rate. But, just how exactly is your score determined? Most companies use a FICO score that is comprised of five elements:10% NEW CREDIT ACCOUNTS - Lots of new credit account inquiries can lower your score. Mortgage and auto loan inquiries are an exception; these count as one inquiry within a 30-day period.10%TYPES OF CREDIT YOU HAVE - A variety of credit types – like an auto loan, credit cards, and other credit accounts – could boost your score.15% LENGTH OF YOUR CREDIT HISTORY - A short history isn’t a bad thing if you show responsible credit management. Having a few credit accounts is better than having no credit at all.30% HOW MUCH YOU OWE - Keep outstanding balances under 30% of your credit limits35% YOUR PAYMENT HISTORY - Late payments lower your score, so pay your bills on time.To know your score, obtain your credit score. So, What's a Good Score?FICO scores range from 300 to 850, with higher numbers being better. A score of 700 is a good indicator of financial health, and most lenders prefer scores at or above that number, but it is not required.What's the Next Step? Obtain a Credit Report.This is a free service available to you each year, so take advantage. Visit www.AnnualCreditReport.com and request your free copy from all three credit reporting companies.EQUIFAX – www.equifax.comEXPERIAN – www.experian.comTRANSUNION – www.transunion.comBeware of other companies that charge fees for credit reports, because they are often not as accurate as the three mentioned above.Check for MistakesThere is no charge for checking into existing errors, so make sure there are no inaccuracies listed on your report. It is your responsibility to notify the credit bureau of any mistakes, which should be cleared up within 30 days of the report date. If you need to boost your score, here are a few tips that could make a difference to your score. While these are general tips, be sure to check with your lender before paying off large accounts and moving your money around for closing costs and the down payment.MANAGE YOUR CREDIT CARD – Keep balances to less than 30 percent of your limitCORRECT CREDIT LIMITS – It’s important for your credit card company(s) to report your correct limit to the major credit bureaus; your report could suffer if it shows you’re over the reported limit when the limit is actually higherGET CREDIT WHERE CREDIT IS DUE – Be sure your report shows all of your credit accounts, especially the healthy ones Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Automated Clearinhouse (ACH) Resource Center • Kirkpatrick BankAutomated Clearinghouse(ACH) Resource CenterHow electronic payments can enhance your business This page contains training, information and tools needed for originating Automated Clearinghouse (ACH) transactions.To better understand how electronic payments can enhance your business, please visit Electronic Payments sponsored by NACHA, The Electronic Payments Assocation. Whether looking into electronic payments for the first time or having experience originating payments, you will find a wealth of useful information, from sample direct deposit or debit forms to justifying the expense of implementing ACH origination. ELECTRONIC PAYMENTS.ORG To better understand ACH Rules, start by creating a free Basic User account, the NACHA, where you can access the entire ACH Rules data base.NACHA RULES ONLINE
Internet and MobileLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Information Services SolutionsWhat are the online and mobile banking options? Internet and Mobile Business Card Options Cybersecurity Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services Tools to help you easily and effectively manage your day-to-day banking in a safe and secure manner.Business Internet Banking Business Internet Banking is designed to fit each business’s specific needs. A Business Banking Representative will work with the business to customize user access and user privileges.Benefits of Business Internet Banking include:Real-time balance information and pending transactionsAccount View and TransferManage accounts for multiple business entities utilizing one set of login credentialsConvenient Bill PaySynchronization of your account transactions through QuickbooksMultiple permission/security levels availableInitiate/approve ACH files and transactionsInitiate/approve domestic and international wires Business Mobile BankingAccess Internet banking from anywhere, anytime via iPhone, iPad, or an Android mobile device. Simply download the KBBiz Mobile app. Customer must be enrolled in Business Internet Banking to access this service.Access to accountsTransfer money between accounts at Kirkpatrick BankDeposit checks or view the mobile deposit historyPay bills, view bill payment history or approve a bill paymentOriginate an ACH file or approve an ACH Origination file. Customer must enter into an ACH Origination Agreement for this serviceInitiate a wire transfer or approve a wire transfer. Customer must enter into a Wire Transfer Agreement for this service Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Merchant ServicesLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Merchant ServicesFrom POS systems to mobile card processing, we have you covered Merchant Services Business Card Options Cybersecurity Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services Who Needs It?Sole proprietors with a need to process payments from their smartphone or mobile device On-the-go businesses needing a handheld, full-function POS in a small footprint with more functionality than a phone (at a low cost) Restaurants or general retail needing a feature-rich full point of sale system integrating with orders, assignments and pay at table options Any business needing to integrate purchase options on their website Any business interested in integrating QuickBooks processingAny business interested in accepting PayPal transactionsNon-profits seeking to increase fundraising capabilities and lower costs Municipalities, Counties, agencies, and schools looking for cloud-based solutions for revenue collection Best news of all – our merchant services systems and programs are fully EMV compliant, and can grow with your business. Start out using a phone and grow to using a full point of sale system? No problem, your back office support is the same, maintaining continuity and security, supporting any system or program. Fast, efficient, reliable.Mobile Credit Card ProcessingProcess on the go with your smartphone or tablet with fast activation and pairing – Android or Apple; reliable and secureMobile Plus Hand-Held WirelessHandheld, full-function POS in a small footprint, with additional features like save/hold, recall orders, inventory alerts, email and print options, sales reporting/analytics, and more.Full Point of Sale SystemsAll of the above, plus pay at table, optional accessories like kitchen printers, BT scanners, customer-facing touch display for on-screen tipping and signature captureTransIT Web PassOnline gateway and virtual terminal integrating with your website for payment processing to support shopping carts, recurring transactions, credit card expiration reporting, and more… Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Payment Protection ProgramPayroll Protection Program The Payroll Protection Program does not require collateral, does not require underwriting, does not count against the borrower’s legal lending limit. However, there are certain information and documentation necessary. These MUST be submitted with the application. Supporting documents needed:Your 941 payroll forms corresponding to the average monthly payroll number per the instructions in the form.Documented adjustments for employees earning over $100,000.Beneficial Ownership form completed for owners with 25% or greater ownership (click here)Complete SBA Payroll Protection Application formFill in the form – complete all sections as instructedSave completed applicationCollect or complete other documentation as noted above and saveGo to Send SBA Application – attach application form and ALL supporting documentationhttps://vault.kirkpatrickbank.com/client/upload(note: this is the customer initiated portal – at the top we would add this copy:You are now ready to submit your Payroll Protection Program Application through Kirkpatrick Bank. Use this portal to securely send your application and ALL supporting documents as instructed. Additionally, we need to limit the list of recipients to those lenders who will be processing the applications. New Customers:Welcome to Kirkpatrick Bank. We look forward to assisting you.The Payroll Protection Program does not require collateral, nor underwriting, however, there are certain information and documentation necessary. These MUST be submitted with the application.Supporting documents needed:Your 941 payroll forms corresponding to the average monthly payroll number per the instructions in the form.Documented adjustments for employees earning over $100,000.Beneficial Ownership form completed for owners with 25% or greater ownership (click here)All documentation necessary for new loan customers as listed HERE (link to list)Complete SBA Payroll Protection Application formFill in the form – complete all sections as instructedSave completed applicationCollect or complete other documentation as noted above and saveGo to Send SBA Application – attach application form and ALL supporting documentationhttps://vault.kirkpatrickbank.com/client/upload
ADA ComplianceLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit ADA Compliance Kirkpatrick Bank is committed to taking steps to ensure that we meet the needs of our customers.Among these considerations is our intent to present a website that is accessible to persons with disabilities.If you have difficulty accessing our site content, please contact us here: Name Email Phone Number Subject Message Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Business CybersecurityLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit CybersecurityHow to protect your business from threats Cybersecurity Tip for BusinessThe internet allows businesses of any size or location to reach new and larger markets. It allows opportunities to work more efficiently using mobile devices or remote access. Whether your business is adopting cloud computing, actively using social media, or just using email and maintaining a website, cybersecurity is critical. A recent study showed that 87% of small to medium businesses don’t consider themselves a cyberattack target. While larger enterprises may have more data to steal, small/ medium businesses tend to have less secure networks. By using automated attacks, cybercriminals can breach thousands of small businesses at a time, making size less important than security.There are effective steps any company can take to avoid becoming a victim.Use a FirewallThe Federal Communications Commission recommends that all businesses set up a firewall. While external firewalls are somewhat standard, it is recommended that an internal firewall also be set up. Employees working from home should also install a firewall on their home networks, preferably firewall software and support provided by the company.Protect equipment, Information, and NetworksEquipment protection: Regularly update computers: including desktops, laptops, and mobile devices. Make sure all operating systems and web browsers are up to date.Mobile device security: Require users to password-protect their devices, encrypt their data, and install security apps.Data protection: Regularly, preferably automatically, backup data on all devices, especially word processing documents, electronic spreadsheets, databases, financial files, human resources files, and accounts receivable/payable files. Store copies separately and securely.Network Protection: Check for and install any new versions of software, including security, anti-virus, and operating software. Set antivirus software to run a scan after each update. Install key software updates as soon as they are available. Control physical accessLock up laptops or other mobile devices when unattended.Establish separate user accounts for each employee and require strong passwords, which should be changed every 60-90 days.Limit administrative privileges and limit data access based on job needs.Secure the Wi-Fi network for your workplace. Be sure it is secure, encrypted, and hidden. Password protect access to the router. Use a separate computer to access confidential data on the network, and do not use that computer to surf the internet. Set up a separate Wi-Fi for customers, if that is a convenience you wish to provide.Train. Limit. Authenticate.Your employees are your first defense perimeter. To be effective in that role, they must have regular training, appropriate access, and strong means of authenticating their access.Train: Establish basic security practices and policies, such as strong passwords, appropriate internet use guidelines, rules on how to handle and protect customer information and vital data, and how to recognize cyber threats such as phishing.Limit: Do not provide any one employee with access to all data systems. Limit access to the specific systems needed for their jobs. Do not allow employees to install any software without permission.Authenticate: Multifactor authentication (MFA) is a process to verify that the person accessing a device or account is who they claim to be. Logging into the computer at work is a single factor authentication. While your network may be secure, a single factor is insufficient to protect against the many ways in which anyone’s identity can be hacked. A multifactor authentication process will include several types of Identity Claim Factors, such as:Something you own: sending a code via an application, text message, email or voice call to a mobile phone or device in your possession, which you then enter at the site you wish to access.Something you know: a PIN or answer to a security question.Something you are: a fingerprint or retinal scan, confirming that you physically are the person you claim to be.Kirkpatrick Bank offers multifactor security protocols for business accounts.Wire Transfer FraudBusiness email compromise is an advanced form of spear-fishing and it’s a growing problem and companies are losing thousands, even millions of dollars instantly. Scammers may either gain access to an executive or high-level employee email account or they may spoof the account, changing where the email is sent when the recipient responds. In the first case, the scammer acquires access through a phishing attack and waits for the perfect time to take over, usually when the individual is out of the office for a trip of some kind. The scam targets employees of businesses that regularly perform wire transfer payments or work with foreign companies or suppliers. An email is sent from the CEO or CFO asking that employee to make an immediate or urgent transfer of funds. When receiving any request to wire transfer funds, look closely to verify the email address. Call the person who is supposedly requesting the transfer to verify that they did make the request. If you reply to the message, be sure to look at the real email address before replying. It is best to have a transfer process in place that requires more than just an email request and is a multi-person process.ResourcesThere are several sources of reliable information and assistance on the topic of business cybersecurity.Federal Communications Commission445 12th Street SWWashington, DC 20580Phone: 1-888-225-5322Website: fcc.govFederal Trade CommissionBusiness Center600 Pennsylvania Avenue, NWWashington, DC 20580Phone: 1-202-326-2222Website: ftc.gov (tips & advice, Business Center)Department of Homeland SecurityOffices located in each stateWebsite: search Cybersecurity | Homeland Securitydhs.gov (topic/cybersecurity)National Cyber Security AllianceWebsite: staysafeonline.org (cybersecure-business) Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
Personal CybersecurityLost or Stolen Card Call 1.800.472.3272 Locations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit CybersecurityHow to protect yourself from threats Cybersecurity Tips for Protecting Your Personal DataChances are you’ve experienced one or more of the following events: you were notified that your personal data was compromised in a data breach affecting a national company; you have had your email, Facebook or other social media accounts, credit card, or debit card hacked; you have had your identity stolen. If you are among the lucky ones who haven’t, then you likely know people who have. The integration of smartphones in both personal and professional life has created unprecedented convenience and access – for you and for criminals. We walk around with our most sensitive information literally at the tips of our fingers. This has created a lucrative black market for data thieves eager to hack and sell passwords, credit card numbers, and other personal data.When was the last time you took stock of your digital footprint? For many, the answer is never. Recognizing that millions of users from your grandmother to your co-worker have likely had their private data exposed through phishing scams, data breaches, and the sale of personal data, it’s time to consider the implications of leaving your personal data unguarded. The good news is that you don’t have to be a tech genius to protect yourself like one.Here are a few tips to protect your personal data proactively.Keep Your Software Up To DateHave you ever ignored a software update? Consider this - the longer a software version exists, the longer cybercriminals have to identify and exploit its weaknesses. With regular updates, you can minimize your exposure to security threats from malware, hacking, and other data breaches. Best practices?Turn on automatic system updates for your devices.Be sure your web browser uses automatic security updates.Keep web browser plugins like Flash, Java, etc. updated.Keep Apps updated on your mobile device.Use Anti-Virus Protection & FirewallAnti-Virus or AV software blocks malware and other viruses from entering your system and compromising your data. Use AV software from trusted sources only and only run one AV tool on your device. A firewall helps screen out hackers, viruses and other malicious activity. Both Windows and MacOS X come with firewalls. However, be sure your router also has a firewall built in to prevent attacks on your home network.Use Strong PasswordsPasswords are important if you want to keep hackers out of your data. Opt-out of the crazy, complex mix of letters, numbers, and symbols. Instead consider using something more user-friendly, with 8 to 64 characters, at least one lowercase and one uppercase letter, one number and several symbols (avoid using &, %, #, @). Or consider using a passphrase. A passphrase is a full 7 to 10-word phrase and may include spaces. The length and complexity of a long personally designed password or passphrase make it nearly impossible for hackers to breach by computation, algorithms, or even brute-force trial and error. The best passwords or passphrases are easy to remember. DO NOT use the same password twice. Reset your password when you forget it and change it at least once a year as a general refresh.Assess Your Digital FootprintDeactivate old accounts. Though it may seem harmless, your outdated personal information — like expired credit cards, old email addresses, and unused social media profiles — can make you an easy target for data thieves. Enter your name in a search engine and then delete or deactivate any old accounts that pop up. As an additional precaution, visit your internet browser’s privacy settings and choose to disable third-party cookies to eliminate unwanted web tracking.Download SelectivelyIf you have an Android phone, pay special attention here. Many Android phones allow for open-source application downloads, which can leave your data vulnerable. Open-source software saves companies time and money, but it does not always prioritize user security. Before downloading open-source apps or software, always research the developers to verify that they have scanned their source code for potential security vulnerabilities.Enable Two-Factor AuthenticationTwo-factor authentication sometimes referred to as 2FA, requires a username and password, plus another type of verification in order to access private information. Examples of two-factor authentication include entering a PIN number, confirming an SMS code, or providing a fingerprint scan. Though the extra step is usually a simple one, 2FA greatly decreases the chance of a personal data breach by pairing a username and password with a separate piece of information that only the user would know or have access to. Websites, apps, and software from companies like Google, Apple, Amazon, Microsoft, and Facebook all offer two-factor authentication to protect users’ data. If you have not already done so, be sure to take advantage of this extra layer of protection.Back-Up Your DataWhen a virus or hacker takes over a computer, the hard drive is often compromised. Back up your personal data to the cloud or an external hard drive to ensure easy data recovery in the event that your device is lost, stolen, or compromised. Back up your devices weekly so that you can access the most up-to-date data in the event of a hard drive crash from malware or even just a device malfunction.Beware of ScamsBe very suspicious of emails, phone calls, and flyers – cybercriminals are phishing! In a phishing scam, the sender poses as someone or something they are not in order to trick the recipient into divulging credentials, clicking a malicious link or opening a ransomware attack. Here are some tips:Don’t open emails from people you don’t know.Look carefully to be sure the sender is actually who they say they are – hover over the email address or the link to see what it really is.Beware of emails in general – especially those that ask you to take immediate action, make offers too good to be true, ask you to click on a link, or have grammatical errors.Malicious links can come from friends who have been infected, or from those open-source photos and jokes that people love to share.Use Your Mobile Devices & Laptops SecurelyAs convenient as it is, public Wi-Fi is just that – public. Avoid using it.Create a difficult mobile passcode – not birthdates - as PINs.Keep your devices updated.Avoid using open source apps.Do NOT send personal or sensitive information over text message or email.Other Safety TipsBe cautious about the information you share on social media websites and check your security settings on those sites.Check your accounts and credit card activity regularly for suspicious activity. Take advantage of alerts.Always log off everything, especially when using a device that is not yours.Do NOT check the box to remember login information.Shred any documents that contain sensitive information.ResourcesNational Cyber Security Alliance (staysafeonline.org)FTC’s Most Recent Scam Alerts (consumer.ftc.gov/features/scam-alerts)FTC's Identity Theft (identitytheft.gov/)USA.gov: Common Scams and Frauds (usa.gov/common-scams-frauds)FBI’s Cybercrime (fbi.gov/investigate/cyber) Open an Account Privacy ADA Compliance © 2020 Kirkpatrick Bank. All rights reserved.
testLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance s Open an Account Privacy ADA Compliance © 2021 Kirkpatrick Bank. All rights reserved.
Mobile Privacy Policy OldLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit Privacy Policy for Kirkpatrick Bank Mobile Mobile Privacy Policy Mobile Privacy PolicyLast updated: April 14, 2022This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.Interpretation and DefinitionsInterpretationThe words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.DefinitionsFor the purposes of this Privacy Policy:Account means a unique account created for You to access our Service or parts of our Service.Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.Application means the software program provided by the Company downloaded by You on any electronic device, named Kirkpatrick Bank MobileBusiness, for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Consumers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers' personal information, that does business in the State of California.Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Kirkpatrick Bank, 15 East 15th St, Edmond OK 73013.For the purpose of the GDPR, the Company is the Data Controller.Consumer, for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.Country refers to: Oklahoma, United StatesData Controller, for the purposes of the GDPR (General Data Protection Regulation), refers to the Company as the legal person which alone or jointly with others determines the purposes and means of the processing of Personal Data.Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.Facebook Fan Page is a public profile named Kirkpatrick Bank specifically created by the Company on the Facebook social network, accessible from https://www.facebook.com/kirkpatrickbank/Personal Data is any information that relates to an identified or identifiable individual.For the purposes of GDPR, Personal Data means any information relating to You such as a name, an identification number, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity.For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.Sale, for the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer's personal information to another business or a third party for monetary or other valuable consideration.Service refers to the Application.Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used. For the purpose of the GDPR, Service Providers are considered Data Processors.Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.Under GDPR (General Data Protection Regulation), You can be referred to as the Data Subject or as the User as you are the individual using the Service.Collecting and Using Your Personal DataTypes of Data CollectedPersonal DataWhile using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:Email addressFirst name and last namePhone numberAddress, State, Province, ZIP/Postal code, CityUsage DataUsage DataUsage Data is collected automatically when using the Service.Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.Information Collected while Using the ApplicationWhile using Our Application, in order to provide features of Our Application, We may collect, with Your prior permission:Information regarding your locationPictures and other information from your Device's camera and photo libraryWe use this information to provide features of Our Service, to improve and customize Our Service. The information may be uploaded to the Company's servers and/or a Service Provider's server or it may be simply stored on Your device.You can enable or disable access to this information at any time, through Your Device settings.Use of Your Personal DataThe Company may use Personal Data for the following purposes:To provide and maintain our Service, including to monitor the usage of our Service.To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.To manage Your requests: To attend and manage Your requests to Us.For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.We may share Your personal information in the following situations:With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.With Your consent: We may disclose Your personal information for any other purpose with Your consent.Retention of Your Personal DataThe Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.Transfer of Your Personal DataYour information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.Disclosure of Your Personal DataBusiness TransactionsIf the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.Law enforcementUnder certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).Other legal requirementsThe Company may disclose Your Personal Data in the good faith belief that such action is necessary to:Comply with a legal obligationProtect and defend the rights or property of the CompanyPrevent or investigate possible wrongdoing in connection with the ServiceProtect the personal safety of Users of the Service or the publicProtect against legal liabilitySecurity of Your Personal DataThe security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.Detailed Information on the Processing of Your Personal DataThe Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.AnalyticsWe may use third-party Service providers to monitor and analyze the use of our Service.Google AnalyticsGoogle Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.You may opt-out of certain Google Analytics features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy: https://policies.google.com/privacyFor more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacyGDPR PrivacyLegal Basis for Processing Personal Data under GDPRWe may process Personal Data under the following conditions:Consent: You have given Your consent for processing Personal Data for one or more specific purposes.Performance of a contract: Provision of Personal Data is necessary for the performance of an agreement with You and/or for any pre-contractual obligations thereof.Legal obligations: Processing Personal Data is necessary for compliance with a legal obligation to which the Company is subject.Vital interests: Processing Personal Data is necessary in order to protect Your vital interests or of another natural person.Public interests: Processing Personal Data is related to a task that is carried out in the public interest or in the exercise of official authority vested in the Company.Legitimate interests: Processing Personal Data is necessary for the purposes of the legitimate interests pursued by the Company.In any case, the Company will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract.Your Rights under the GDPRThe Company undertakes to respect the confidentiality of Your Personal Data and to guarantee You can exercise Your rights.You have the right under this Privacy Policy, and by law if You are within the EU, to:Request access to Your Personal Data. The right to access, update or delete the information We have on You. Whenever made possible, you can access, update or request deletion of Your Personal Data directly within Your account settings section. If you are unable to perform these actions yourself, please contact Us to assist You. This also enables You to receive a copy of the Personal Data We hold about You.Request correction of the Personal Data that We hold about You. You have the right to have any incomplete or inaccurate information We hold about You corrected.Object to processing of Your Personal Data. This right exists where We are relying on a legitimate interest as the legal basis for Our processing and there is something about Your particular situation, which makes You want to object to our processing of Your Personal Data on this ground. You also have the right to object where We are processing Your Personal Data for direct marketing purposes.Request erasure of Your Personal Data. You have the right to ask Us to delete or remove Personal Data when there is no good reason for Us to continue processing it.Request the transfer of Your Personal Data. We will provide to You, or to a third-party You have chosen, Your Personal Data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information which You initially provided consent for Us to use or where We used the information to perform a contract with You.Withdraw Your consent. You have the right to withdraw Your consent on using your Personal Data. If You withdraw Your consent, We may not be able to provide You with access to certain specific functionalities of the Service.Exercising of Your GDPR Data Protection RightsYou may exercise Your rights of access, rectification, cancellation and opposition by contacting Us. Please note that we may ask You to verify Your identity before responding to such requests. If You make a request, We will try our best to respond to You as soon as possible.You have the right to complain to a Data Protection Authority about Our collection and use of Your Personal Data. For more information, if You are in the European Economic Area (EEA), please contact Your local data protection authority in the EEA.Facebook Fan PageData Controller for the Facebook Fan PageThe Company is the Data Controller of Your Personal Data collected while using the Service. As operator of the Facebook Fan Page https://www.facebook.com/kirkpatrickbank/, the Company and the operator of the social network Facebook are Joint Controllers.The Company has entered into agreements with Facebook that define the terms for use of the Facebook Fan Page, among other things. These terms are mostly based on the Facebook Terms of Service: https://www.facebook.com/terms.phpVisit the Facebook Privacy Policy https://www.facebook.com/policy.php for more information about how Facebook manages Personal data or contact Facebook online, or by mail: Facebook, Inc. ATTN, Privacy Operations, 1601 Willow Road, Menlo Park, CA 94025, United States.Facebook InsightsWe use the Facebook Insights function in connection with the operation of the Facebook Fan Page and on the basis of the GDPR, in order to obtain anonymized statistical data about Our users.For this purpose, Facebook places a Cookie on the device of the user visiting Our Facebook Fan Page. Each Cookie contains a unique identifier code and remains active for a period of two years, except when it is deleted before the end of this period.Facebook receives, records and processes the information stored in the Cookie, especially when the user visits the Facebook services, services that are provided by other members of the Facebook Fan Page and services by other companies that use Facebook services.For more information on the privacy practices of Facebook, please visit Facebook Privacy Policy here: https://www.facebook.com/privacy/explanationCCPA PrivacyThis privacy notice section for California residents supplements the information contained in Our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.Categories of Personal Information CollectedWe collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months.Please note that the categories and examples provided in the list below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact collected by Us, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of personal information would only be collected if You provided such personal information directly to Us.Category A: Identifiers.Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver's license number, passport number, or other similar identifiers.Collected: Yes.Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.Collected: Yes.Category C: Protected classification characteristics under California or federal law.Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).Collected: No.Category D: Commercial information.Examples: Records and history of products or services purchased or considered.Collected: No.Category E: Biometric information.Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.Collected: No.Category F: Internet or other similar network activity.Examples: Interaction with our Service or advertisement.Collected: Yes.Category G: Geolocation data.Examples: Approximate physical location.Collected: Yes.Category H: Sensory data.Examples: Audio, electronic, visual, thermal, olfactory, or similar information.Collected: No.Category I: Professional or employment-related information.Examples: Current or past job history or performance evaluations.Collected: No.Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.Collected: No.Category K: Inferences drawn from other personal information.Examples: Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.Collected: No.Under CCPA, personal information does not include:Publicly available information from government recordsDeidentified or aggregated consumer informationInformation excluded from the CCPA's scope, such as:Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial dataPersonal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994Sources of Personal InformationWe obtain the categories of personal information listed above from the following categories of sources:Directly from You. For example, from the forms You complete on our Service, preferences You express or provide through our Service.Indirectly from You. For example, from observing Your activity on our Service.Automatically from You. For example, through cookies We or our Service Providers set on Your Device as You navigate through our Service.From Service Providers. For example, third-party vendors to monitor and analyze the use of our Service, or other third-party vendors that We use to provide the Service to You.Use of Personal Information for Business Purposes or Commercial PurposesWe may use or disclose personal information We collect for "business purposes" or "commercial purposes" (as defined under the CCPA), which may include the following examples:To operate our Service and provide You with our Service.To provide You with support and to respond to Your inquiries, including to investigate and address Your concerns and monitor and improve our Service.To fulfill or meet the reason You provided the information. For example, if You share Your contact information to ask a question about our Service, We will use that personal information to respond to Your inquiry.To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.As described to You when collecting Your personal information or as otherwise set forth in the CCPA.For internal administrative and auditing purposes.To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities.Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the "Use of Your Personal Data" section.If We decide to collect additional categories of personal information or use the personal information We collected for materially different, unrelated, or incompatible purposes We will update this Privacy Policy.Disclosure of Personal Information for Business Purposes or Commercial PurposesWe may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of personal information for business or commercial purposes:Category A: IdentifiersCategory B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))Category F: Internet or other similar network activityCategory G: Geolocation dataPlease note that the categories listed above are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact disclosed, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed.When We disclose personal information for a business purpose or a commercial purpose, We enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.Sale of Personal InformationAs defined in the CCPA, "sell" and "sale" mean selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer's personal information by the business to a third party for valuable consideration. This means that We may have received some kind of benefit in return for sharing personal information, but not necessarily a monetary benefit.Please note that the categories listed below are those defined in the CCPA. This does not mean that all examples of that category of personal information were in fact sold, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been shared for value in return.We may sell and may have sold in the last twelve (12) months the following categories of personal information:Category A: IdentifiersCategory B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))Category F: Internet or other similar network activityCategory G: Geolocation dataShare of Personal InformationWe may share Your personal information identified in the above categories with the following categories of third parties:Service ProvidersOur affiliatesOur business partnersThird party vendors to whom You or Your agents authorize Us to disclose Your personal information in connection with products or services We provide to YouSale of Personal Information of Minors Under 16 Years of AgeWe do not knowingly collect personal information from minors under the age of 16 through our Service, although certain third party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies and we encourage parents and legal guardians to monitor their children's Internet usage and instruct their children to never provide information on other websites without their permission.We do not sell the personal information of Consumers We actually know are less than 16 years of age, unless We receive affirmative authorization (the "right to opt-in") from either the Consumer who is between 13 and 16 years of age, or the parent or guardian of a Consumer less than 13 years of age. Consumers who opt-in to the sale of personal information may opt-out of future sales at any time. To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by contacting Us.If You have reason to believe that a child under the age of 13 (or 16) has provided Us with personal information, please contact Us with sufficient detail to enable Us to delete that information.Your Rights under the CCPAThe CCPA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:The right to notice. You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.The right to request. Under CCPA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You:The categories of personal information We collected about YouThe categories of sources for the personal information We collected about YouOur business or commercial purpose for collecting or selling that personal informationThe categories of third parties with whom We share that personal informationThe specific pieces of personal information We collected about YouIf we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You:The categories of personal information categories soldThe categories of personal information categories disclosedThe right to say no to the sale of Personal Data (opt-out). You have the right to direct Us to not sell Your personal information. To submit an opt-out request please contact Us.The right to delete Personal Data. You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.Debug products to identify and repair errors that impair existing intended functionality.Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if You previously provided informed consent.Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.Comply with a legal obligation.Make other internal and lawful uses of that information that are compatible with the context in which You provided it.The right not to be discriminated against. You have the right not to be discriminated against for exercising any of Your consumer's rights, including by:Denying goods or services to YouCharging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penaltiesProviding a different level or quality of goods or services to YouSuggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or servicesExercising Your CCPA Data Protection RightsIn order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us:By visiting this page on our website: https://kirkpatrickbank.com/contactBy phone number: 405.341.8222Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.Your request to Us must:Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representativeDescribe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to itWe cannot respond to Your request or provide You with the required information if We cannot:Verify Your identity or authority to make the requestAnd confirm that the personal information relates to YouWe will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.For data portability requests, We will select a format to provide Your personal information that is readily usable and should allow You to transmit the information from one entity to another entity without hindrance.Do Not Sell My Personal InformationYou have the right to opt-out of the sale of Your personal information. Once We receive and confirm a verifiable consumer request from You, we will stop selling Your personal information. To exercise Your right to opt-out, please contact Us.The Service Providers we partner with (for example, our analytics or advertising partners) may use technology on the Service that sells personal information as defined by the CCPA law. If you wish to opt out of the use of Your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may do so by following the instructions below.Please note that any opt out is specific to the browser You use. You may need to opt out on every browser that You use.WebsiteYou can opt out of receiving ads that are personalized as served by our Service Providers by following our instructions presented on the Service:The NAI's opt-out platform: http://www.networkadvertising.org/choices/The EDAA's opt-out platform http://www.youronlinechoices.com/The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=ENThe opt out will place a cookie on Your computer that is unique to the browser You use to opt out. If you change browsers or delete the cookies saved by your browser, You will need to opt out again.Mobile DevicesYour mobile device may give You the ability to opt out of the use of information about the apps You use in order to serve You ads that are targeted to Your interests:"Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices"Limit Ad Tracking" on iOS devicesYou can also stop the collection of location information from Your mobile device by changing the preferences on Your mobile device."Do Not Track" Policy as Required by California Online Privacy Protection Act (CalOPPA)Our Service does not respond to Do Not Track signals.However, some third party websites do keep track of Your browsing activities. If You are visiting such websites, You can set Your preferences in Your web browser to inform websites that You do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of Your web browser.Children's PrivacyOur Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.Your California Privacy Rights (California's Shine the Light law)Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties' direct marketing purposes.If you'd like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.California Privacy Rights for Minor Users (California Business and Professions Code Section 22581)California Business and Professions Code Section 22581 allows California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.Links to Other WebsitesOur Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.Changes to this Privacy PolicyWe may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.Contact UsIf you have any questions about this Privacy Policy, You can contact us:By visiting this page on our website: https://kirkpatrickbank.com/contactBy phone number: 405.341.8222 Open an Account Privacy ADA Compliance © 2022 Kirkpatrick Bank. All rights reserved.
Mobile Privacy PolicyLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Privacy Policy for Kirkpatrick Bank Mobile Mobile Privacy PolicyLast Updated: January 1, 2023Kirkpatrick Bank (the “App”)– powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go. The App allows you to:get real-time balances for your accountsmanage your moneyview your transactions and statementsmake transferspay your bills and manage billersdeposit a checkreceive alertsmanage cardsThis Privacy Policy, in combination with other relevant privacy notices that we provide to you (e.g., pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”).THE TYPES OF INFORMATION WE COLLECT IN THE APPThrough your use of the Services, we may collect personal information from you in the following ways:(a) Personal Information You Provide to Us.We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account.We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history.If you provide feedback or contact us via email, we will collect your name and email address, as well as any other content included in the email, in order to send you a reply.We also collect other types of personal information that you provide voluntarily, such as any information requested by us if you contact us via email regarding support for the Services.(b) Personal Information Collected from Third Parties. We may collect certain information from identity verification services and consumer reporting agencies, including credit bureaus, in order to provide some of our Services.(c) Personal Information Collected Via Technology. We and our service providers may automatically log information about you, your computer or mobile device, and your interaction over time with our Services, our communications and other online services, such as:Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 3G), and general location information such as city, state or geographic area.Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, the website you visited before browsing to the Service, navigation paths between pages or screens, information about your activity on a page or screen, access times, and duration of access.Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.Local storage technologies, like HTML5 and Flash, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.Location Information. If you have enabled location services on your phone and agree to the collection of your location when prompted by the Services, we will collect location data when you use the Services even when the app is closed or not in use; for example, to provide our fraud detection services. If you do not want us to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.HOW WE USE YOUR INFORMATION COLLECTED IN THE APP(a) General Use. In general, we use your personal information collected through your use of the Services to respond to your requests as submitted through the Services, to provide you the Services you request, and to help serve you better. We use your personal information, in connection with the App, in the following ways:facilitate the creation of, and secure and maintain your account;identify you as a legitimate user in our system;provide improved administration of the Services;provide the Services you request;improve the quality of experience when you interact with the Services;send you administrative e-mail notifications, such as security or support and maintenance advisories; andsend surveys, offers, and other promotional materials related to the Services.(b) Compliance and protection. We may use your personal information to:comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities;protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);audit our internal processes for compliance with legal and contractual requirements and internal policies;enforce the terms and conditions that govern the Service; andprevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.(c) Creation of Non-Identifiable Data. The App may create de-identified information records from personal information by excluding certain information (such as your name) that makes the information personally identifiable to you. We may use this information in a form that does not personally identify you to analyze request patterns and usage patterns to enhance our products and services. We reserve the right to use and disclose non-identifiable information to third parties in our discretion.DISCLOSURE OF YOUR PERSONAL INFORMATIONWe disclose your personal information collected through your use of the Services as described below.(a) In Accordance with Our Other Privacy Notices. Other than as described in this Privacy Policy in connection with the App, this Privacy Policy does not apply to the processing of your information by us or third parties with whom we share information.(b) Third Party Service Providers. We may share your personal information with third party or affiliated service providers that perform services for or on behalf of us in providing the App, for the purposes described in this Privacy Policy, including: to provide you with the Services; to conduct quality assurance testing; to facilitate the creation of accounts; to optimize the performance of the Services; to provide technical support; and/or to provide other services to the App.(c) Authorities and Others. Regardless of any choices you make regarding your personal information, The App may disclose your personal information to law enforcement, government authorities, and private parties, for the compliance and protection services described above.LINKS TO OTHER SITESThe App may contain links to third party websites. When you click on a link to any other website or location, you will leave the App and go to another site and another entity may collect personal and/or anonymous information from you. The App’s provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for, these outside websites or their content. Please be aware that the terms of this Privacy Policy do not apply to these outside websites. We encourage you to read the privacy policy of every website you visit.YOUR CHOICES REGARDING YOUR INFORMATIONYou have several choices regarding use of information on the Services.(a) How We Respond to Do Not Track Signals. Some web browsers transmit “do not track” signals to the websites and other online services with which your web browser communicates. There is currently no standard that governs what, if anything, websites should do when they receive these signals. We currently do not take action in response to these signals. If and when a standard is established, we may revise its policy on responding to these signals.(b) Access, Update, or Correct Your Information. You can access, update or correct your information by changing preferences in your account. For additional requests, please contact us.(c) Opting Out of Email or SMS Communications. If you have signed-up to receive our email marketing communications, you can unsubscribe any time by clicking the "unsubscribe" link included at the bottom of the email or other electronic communication. Alternatively, you can opt out of receiving marketing communications by contacting us at the contact information under "Contact Us" below. If you provide your phone number through the Services, we may send you notifications by SMS, such as provide a fraud alert. You may opt out of SMS communications by unlinking your mobile phone number through the Services.(d) Opting Out of Location Tracking. If you initially consented to the collection of geo-location information through the Services, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. Please note, however, that if you withdraw consent to our collection of location information, you may no longer be able to use some features of the App.SAFEGUARDS AND RETENTIONWe implement reasonable administrative, technical and physical measures in an effort to safeguard the information in our custody and control against theft, loss and unauthorized access, use, modification and disclosure. Nevertheless, transmission via the internet is not completely secure and we cannot guarantee the security of your information.A NOTE ABOUT CHILDRENThe Services are not directed towards individuals under the age of 18, and we do not, through the App, intentionally gather personal information about visitors who are under the age of 18. If a child under 18 submits personal information to us through the App and we learn that the personal information is the information of a child under 18, we will attempt to delete the information as soon as possible.PRIVACY POLICY UPDATESThis Privacy Policy is subject to occasional revision. We will notify you of any material changes in its collection, use, or disclosure of your personal information by posting a notice on the Services. Any material changes to this Privacy Policy will be effective thirty (30) calendar days following notice of the changes on the Services. These changes will be effective immediately for new users of the Services. If you object to any such changes, you must notify us prior to the effective date of such changes that you wish to deactivate your account. Continued use of the Services following notice of any such changes shall indicate your acknowledgement of such changes.CONTACT USIf you have any questions or complaints about this Privacy Policy or The App’s data collection or processing practices, or if you want to report any security violations to The App, please contact The App by email at: customerservice@kirkpatrickbank.com or by mail at:Kirkpatrick BankAttn: Kathy FrankenfieldPO Box 2850Edmond, OK. 73083 Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
State SelectLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Thank you for choosing us for your new account!Please let us know where you live so we can show you the best information for your areaOKLAHOMACOLORADOOTHER Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
State RatesLocations Contact About Careers Banking Login Personal Banking Business Banking Open An Account business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Thank you for choosing usPlease let us know where you live so we can show you the best information for your areaOKLAHOMACOLORADOOTHER Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Mobile Terms and ConditionsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Mobile Terms and Conditions TERMS OF SERVICEGENERAL TERMS FOR EACH SERVICEIntroduction. This Terms of Service document (hereinafter "Agreement") is a contract between you and Kirkpatrick Bank (hereinafter "we" or "us") in connection with each service that is described in the rest of this Agreement that applies to services you use from us, as applicable (each, a "Service") offered through our online banking site or mobile applications (the "Site"). The Agreement consists of these General Terms for Each Service (referred to as "General Terms"), and each set of Terms that follows after the General Terms that applies to the specific Service you are using from us. This Agreement applies to your use of the Service and the portion of the Site through which the Service is offered.Service Providers. We are offering you the Service through one or more Service Providers that we have engaged to render some or all of the Service to you on our behalf. However, notwithstanding that we have engaged such a Service Provider to render some or all of the Service to you, we are the sole party liable to you for any payments or transfers conducted using the Service and we are solely responsible to you and any third party to the extent any liability attaches in connection with the Service. You agree that we have the right under this Agreement to delegate to Service Providers all of the rights and performance obligations that we have under this Agreement, and that the Service Providers will be third party beneficiaries of this Agreement and will be entitled to all the rights and protections that this Agreement provides to us. Service Provider and certain other capitalized terms are defined in a "Definitions" Section at the end of the General Terms. Other defined terms are also present at the end of each set of Terms that follow after the General Terms, as applicable.Amendments. We may amend this Agreement and any applicable fees and charges for the Service at any time by posting a revised version on the Site. The revised version will be effective at the time it is posted unless a delayed effective date is expressly stated in the revision. Any use of the Service after a notice of change or after the posting of a revised version of this Agreement on the Site will constitute your agreement to such changes and revised versions. Further, we may, from time to time, revise, update, upgrade or enhance the Service and/or related applications or material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the Service, and/or related applications and material, and limit access to only the Service's more recent revisions, updates, upgrades or enhancements.Our Relationship With You. We are an independent contractor for all purposes, except that we act as your agent with respect to the custody of your funds for the Service. We do not have control of, or liability for, any products or services that are paid for with our Service. We also do not guarantee the identity of any user of the Service (including but not limited to recipients to whom you send payments).Assignment. You may not transfer or assign any rights or obligations you have under this Agreement without our prior written consent, which we may withhold in our sole discretion. We reserve the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time to any party. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.Notices to Us Regarding the Service. Except as otherwise stated below, notice to us concerning the Site or the Service must be sent by postal mail to: Kirkpatrick Bank 15 East 15th Street Edmond, OK 73013 We may also be reached at 1-844-842-7265 for questions and other purposes concerning the Service. We will act on your telephone calls as described below in Section 22 of the General Terms (Errors, Questions, and Complaints), but otherwise, such telephone calls will not constitute legal notices under this Agreement.Notices to You. You agree that we may provide notice to you by posting it on the Site, sending you an in-product message within the Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Service setup or customer profile. For example, users of the Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. You may request a paper copy of any legally required disclosures and you may terminate your consent to receive required disclosures through electronic communications by contacting us as described in Section 6 of the General Terms above. We reserve the right to charge you a reasonable fee not to exceed twenty dollars ($20.00) to respond to each such request. We reserve the right to terminate your use of the Service if you withdraw your consent to receive electronic communications.Text Messages, Calls and/or Emails to You. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number INCLUDING THOSE MADE BY USE OF AN AUTOMATIC TELEPHONE DIALING SYSTEM ("ATDS"), and/or emails from us for our everyday business purposes (including identity verification). You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an ATDS from us or our affiliates and agents. Please review our Privacy Policy for more information.Receipts and Transaction History. You may view your transaction history by logging into the Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.Your Privacy. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information.Privacy of Others. If you receive information about another person through the Service, you agree to keep the information confidential and only use it in connection with the Service.Eligibility. The Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. Without limiting the foregoing, the Service is not offered to minors unless the minor is using an Eligible Transaction Account in the name of the minor with a parent or guardian as a co-signor or guarantor. By using the Service, you represent that you meet these requirements and that you agree to be bound by this Agreement.Prohibited Payments. The following types of payments are prohibited through the Service, and we have the right but not the obligation to monitor for, block, cancel and/or reverse such payments:Payments to or from persons or entities located in prohibited territories (including any territory outside of the United States); andPayments that violate any law, statute, ordinance or regulation; and Payments that violate the Acceptable Use terms in Section 14 of the General Terms below; andPayments related to: (1) tobacco products, (2) prescription drugs and devices; (3) narcotics, steroids, controlled substances or other products that present a risk to consumer safety; (4) drug paraphernalia; (5) ammunition, firearms, or firearm parts or related accessories; (6) weapons or knives regulated under applicable law; (7) goods or services that encourage, promote, facilitate or instruct others to engage in illegal activity; (8) goods or services that are sexually oriented; (9) goods or services that promote hate, violence, racial intolerance, or the financial exploitation of a crime; (10) goods or services that defame, abuse, harass or threaten others; (11) goods or services that include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (12) goods or services that advertise, sell to, or solicit others; or (13) goods or services that infringe or violate any copyright, trademark, right of publicity or privacy, or any other proprietary right under the laws of any jurisdiction; andPayments related to gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to, casino games, sports betting, horse or dog racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes; andPayments relating to transactions that (1) support pyramid or Ponzi schemes, matrix programs, other "get rich quick" schemes or multi-level marketing programs, (2) are associated with purchases of real property, equities, annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (3) are for the sale of items before the seller has control or possession of the item, (4) constitute money-laundering or terrorist financing, (5) are associated with the following "money service business" activities: the sale of traveler's checks or money orders, currency dealers or exchanges (including digital currencies such as bitcoin), or check cashing, or (6) provide credit repair or debt settlement services; andTax payments and court ordered payments. Except as required by applicable law, in no event shall we or our Service Providers be liable for any claims or damages resulting from your scheduling of prohibited payments. We encourage you to provide notice to us by the methods described in Section 6 of the General Terms above of any violations of the General Terms or the Agreement generally.Acceptable Use. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Service, regardless of the purpose of the use, and for all communications you send through the Service. We and our Service Providers have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way. In addition, you are prohibited from using the Service for communications or activities that: (a) violate any law, statute, ordinance or regulation; (b) promote hate, violence, racial intolerance, or the financial exploitation of a crime; (c) defame, abuse, harass or threaten others; (d) include any language or images that are bigoted, hateful, racially offensive, vulgar, obscene, indecent or discourteous; (e) infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; (f) impose an unreasonable or disproportionately large load on our infrastructure; (g) facilitate any viruses, trojan horses, worms or other computer programming routines that may damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (h) constitute use of any robot, spider, other automatic device, or manual process to monitor or copy the Service or the portion of the Site through which the Service is offered without our prior written permission; (i) constitute use of any device, software or routine to bypass technology protecting the Site or Service, or interfere or attempt to interfere, with the Site or the Service; or (j) may cause us or our Service Providers to lose any of the services from our internet service providers, payment processors, or other vendors. We encourage you to provide notice to us by the methods described in Section 6 of the General Terms above of any violations of the General Terms or the Agreement generally.Payment Methods and Amounts. There are limits on the amount of money you can send or receive through our Service. Your limits may be adjusted from time-to-time in our sole discretion. For certain Services, you may have the ability to log in to the Site to view your individual transaction limits. We or our Service Provider also reserve the right to select the method in which to remit funds on your behalf through the Service, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to us, the method to return funds to you. These payment methods may include, but may not be limited to, an electronic debit, a paper check drawn on the account of our Service Provider, or draft check drawn against your account.Your Liability for Unauthorized Transfers. Immediately following your discovery of an unauthorized Payment Instruction, you shall communicate with customer care for the Service in the manner set forth in Section 6 of the General Terms above. You acknowledge and agree that time is of the essence in such situations. If you tell us within two (2) Business Days after you discover your password or other means to access your account through which you access the Service has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains payments that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period.Taxes. It is your responsibility to determine what, if any, taxes apply to the transactions you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.Failed or Returned Payment Instructions. In using the Service, you are requesting that we or our Service Provider attempt to make payments for you from your Eligible Transaction Account. If the Payment Instruction cannot be completed for any reason associated with your Eligible Transaction Account (for example, there are insufficient funds in your Eligible Transaction Account, or the Payment Instruction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment), the Payment Instruction may or may not be completed. In certain circumstances, our Service Provider may either advance funds drawn on their corporate account or via an electronic debit, and in such circumstances will attempt to debit the Eligible Transaction Account a second time to complete the Payment Instruction. In some instances, you will receive a return notice from us or our Service Provider. In each such case, you agree that:You will reimburse us or our Service Provider immediately upon demand the amount of the Payment Instruction if the payment has been delivered but there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible Transaction Account to allow the debit processing to be completed;You may be assessed a late fee equal to one and a half percent (1.5%) of any unpaid amounts plus costs of collection by our Service Provider or their third-party contractor if the Payment Instruction cannot be debited because you have insufficient funds in your Eligible Transaction Account, or the transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment, or if the funds cannot otherwise be collected from you. The aforesaid amounts will be charged in addition to any NSF charges that may be assessed by us, as set forth in your fee schedule from us (including as disclosed on the Site) or your account agreement with us. You hereby authorize us and our Service Provider to deduct all of these amounts from your designated Eligible Transaction Account, including by ACH debit;We and our Service Provider are authorized to report the facts concerning the return to any credit reporting agency.Address or Banking Changes. It is your sole responsibility and you agree to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, physical address, phone numbers and email addresses. Depending on the Service, changes may be able to be made within the user interface of the Service or by contacting customer care for the Service as set forth in Section 6 of the General Terms above. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Eligible Transaction Account, Payment Instructions or contact information.Information Authorization. Your enrollment in the applicable Service may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in or use of each Service, you agree that we reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Eligible Transaction Account. You further understand and agree that we reserve the right to use personal information about you for our and our Service Providers' everyday business purposes, such as to maintain your ability to access the Service, to authenticate you when you log in, to send you information about the Service, to perform fraud screening, to verify your identity, to determine your transaction limits, to perform collections, to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of subscribers or the public, to defend claims, to resolve disputes, to troubleshoot problems, to enforce this Agreement, to protect our rights and property, and to customize, measure, and improve the Service and the content and layout of the Site. Additionally, we and our Service Providers may use your information for risk management purposes and may use, store and disclose your information acquired in connection with this Agreement as permitted by law, including (without limitation) any use to effect, administer or enforce a transaction or to protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liability. We and our Service Providers shall have the right to retain such data even after termination or expiration of this Agreement for risk management, regulatory compliance, or audit reasons, and as permitted by applicable law for everyday business purposes. In addition, we and our Service Providers may use, store and disclose such information acquired in connection with the Service in statistical form for pattern recognition, modeling, enhancement and improvement, system analysis and to analyze the performance of the Service. The following provisions in this Section apply to certain Services:Mobile Subscriber Information. You authorize your wireless carrier to disclose information about your account, such as subscriber status, payment method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. This information may also be shared with other companies to support your transactions with us and for identity verification and fraud avoidance purposes.Device Data. We may share certain personal information and device-identifying technical data about you and your devices with third party service providers, who will compare and add device data and fraud data from and about you to a database of similar device and fraud information in order to provide fraud management and prevention services, which include but are not limited to identifying and blocking access to the applicable service or Web site by devices associated with fraudulent or abusive activity. Such information may be used by us and our third party service providers to provide similar fraud management and prevention services for services or Web sites not provided by us. We will not share with service providers any information that personally identifies the user of the applicable device.Service Termination, Cancellation, or Suspension. If you wish to cancel the Service, you may contact us as set forth in Section 6 of the General Terms above. Any payment(s) that have begun processing before the requested cancellation date will be processed by us. You agree that we may terminate or suspend your use of the Service at any time and for any reason or no reason. Neither termination, cancellation nor suspension shall affect your liability or obligations under this Agreement.Errors, Questions, and Complaints.In case of errors or questions about your transactions, you should as soon as possible contact us as set forth in Section 6 of the General Terms above.If you think your periodic statement for your account is incorrect or you need more information about a transaction listed in the periodic statement for your account, we must hear from you no later than sixty (60) days after we send you the applicable periodic statement for your account that identifies the error. You must:Tell us your name;Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,Tell us the dollar amount of the suspected error.If you tell us orally, we may require that you send your complaint in writing within ten (10) Business Days after your oral notification. Except as described below, we will determine whether an error occurred within ten (10) Business Days after you notify us of the error. We will tell you the results of our investigation within three (3) Business Days after we complete our investigation of the error, and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Eligible Transaction Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Eligible Transaction Account. For errors involving new Eligible Transaction Accounts, we may take up to ninety (90) days to investigate your complaint or question and up to twenty (20) Business Days to provisionally credit your Eligible Transaction Account. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. We may revoke any provisional credit provided to you if we find an error did not occur.Intellectual Property. All other marks and logos related to the Service are either trademarks or registered trademarks of us or our licensors. In addition, all page headers, custom graphics, button icons, and scripts are our service marks, trademarks, and/or trade dress or those of our licensors. You may not copy, imitate, or use any of the above without our prior written consent, which we may withhold in our sole discretion, and you may not use them in a manner that is disparaging to us or the Service or display them in any manner that implies our sponsorship or endorsement. All right, title and interest in and to the Service, the portion of the Site through which the Service is offered, the technology related to the Site and Service, and any and all technology and any content created or derived from any of the foregoing, is our exclusive property or that of our licensors. Moreover, any suggestions, ideas, notes, drawings, concepts, or other information you may send to us through or regarding the Site or Service shall be considered an uncompensated contribution of intellectual property to us and our licensors, shall also be deemed our and our licensors' exclusive intellectual property, and shall not be subject to any obligation of confidentiality on our part. By submitting any such materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us and our licensors a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called "moral rights" in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.Links and Frames. Links to other sites may be provided on the portion of the Site through which the Service is offered for your convenience. By providing these links, we are not endorsing, sponsoring or recommending such sites or the materials disseminated by or services provided by them, and are not responsible for the materials, services or other situations at or related to or from any other site, and make no representations concerning the content of sites listed in any of the Service web pages. Consequently, we cannot be held responsible for the accuracy, relevancy, copyright compliance, legality or decency of material contained in sites listed in any search results or otherwise linked to the Site. For example, if you "click" on a banner advertisement or a search result, your "click" may take you off the Site. This may include links from advertisers, sponsors, and content partners that may use our logo(s) as part of a co-branding agreement. These other sites may send their own cookies to users, collect data, solicit personal information, or contain information that you may find inappropriate or offensive. In addition, advertisers on the Site may send cookies to users that we do not control. You may link to the home page of our Site. However, you may not link to other pages of our Site without our express written permission. You also may not "frame" material on our Site without our express written permission. We reserve the right to disable links from any third party sites to the Site.Password and Security. If you are issued or create any password or other credentials to access the Service or the portion of the Site through which the Service is offered, you agree not to give or make available your password or credentials to any unauthorized individuals, and you agree to be responsible for all actions taken by anyone to whom you have provided such credentials. If you believe that your credentials have been lost or stolen or that someone may attempt to use them to access the Site or Service without your consent, you must inform us at once at the telephone number provided in Section 6 of the General Terms above. See also Section 16 of the General Terms above regarding how the timeliness of your notice impacts your liability for unauthorized transfers.Remedies. If we have reason to believe that you have engaged in any of the prohibited or unauthorized activities described in this Agreement or have otherwise breached your obligations under this Agreement, we may terminate, suspend or limit your access to or use of the Site or the Service; notify law enforcement, regulatory authorities, impacted third parties, and others as we deem appropriate; refuse to provide our services to you in the future; and/or take legal action against you. In addition, we, in our sole discretion, reserve the right to terminate this Agreement, access to the Site and/or use of the Service for any reason or no reason and at any time. The remedies contained in this Section 26 of the General Terms are cumulative and are in addition to the other rights and remedies available to us under this Agreement, by law or otherwise.Disputes. In the event of a dispute regarding the Service, you and we agree to resolve the dispute by looking to this Agreement.Arbitration. For any claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000.00 USD, the party requesting relief may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. If a party elects arbitration, that party will initiate such arbitration through Judicial Arbitration and Mediation Services ("JAMS"), the American Arbitration Association ("AAA"), or an established alternative dispute resolution (ADR) administrator mutually agreed upon by the parties. The parties agree that the following rules shall apply: (a) the arbitration may be conducted telephonically, online and/or be solely based on written submissions, at the election of the party initiating the arbitration; (b) the arbitration shall not involve any personal appearance by the parties, their representatives or witnesses unless otherwise mutually agreed by the parties; (c) discovery shall not be permitted; (d) the matter shall be submitted for decision within ninety (90) days of initiation of arbitration, unless otherwise agreed by the parties, and the arbitrator must render a decision within thirty (30) days of submission; and (e) any award in such arbitration shall be final and binding upon the parties and may be submitted to any court of competent jurisdiction for confirmation. The parties acknowledge that remedies available under federal, state and local laws remain available through arbitration. NO CLASS ACTION, OTHER REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON SHALL BE ALLOWABLE IN ARBITRATION.Law and Forum for Disputes. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of laws provisions. TO THE EXTENT THAT THE TERMS OF THIS AGREEMENT CONFLICT WITH APPLICABLE STATE OR FEDERAL LAW, SUCH STATE OR FEDERAL LAW SHALL REPLACE SUCH CONFLICTING TERMS ONLY TO THE EXTENT REQUIRED BY LAW. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. Unless our account agreement with you states otherwise, you agree that any claim or dispute you may have against us (other than those which are arbitrated under Section 28 of the General Terms above) must be resolved by a court located in the county in which you reside. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all claims or disputes unless said claim is submitted to arbitration under Section 28 of the General Terms of this Agreement. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement. TO THE EXTENT ALLOWED BY APPLICABLE LAW, BOTH PARTIES AGREE TO WAIVE ANY RIGHT TO HAVE A JURY PARTICIPATE IN THE RESOLUTION OF ANY DISPUTE OR CLAIM BETWEEN THE PARTIES OR ANY OF THEIR RESPECTIVE AFFILIATES ARISING UNDER THIS AGREEMENT.Indemnification. You agree to defend, indemnify and hold harmless us and our Affiliates and Service Providers and their Affiliates and the employees and contractors of each of these, from any loss, damage, claim or demand (including attorney's fees) made or incurred by any third party due to or arising out of your breach of this Agreement and/or your use of the Site or the applicable Service.Release. You release us and our Affiliates and Service Providers and the employees and contractors of each of these, from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with any dispute that may arise between you or one or more other users of the Site or the applicable Service. In addition, if applicable to you, you waive California Civil Code §1542, which states that a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known by him must have materially affected his settlement with the debtor.No Waiver. We shall not be deemed to have waived any rights or remedies hereunder unless such waiver is in writing and signed by one of our authorized representatives. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.Exclusions of Warranties. THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF OUR SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.Limitation of Liability. THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF US AND OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY OR ARISING OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING AS DESCRIBED IN SECTIONS 28 AND 29 OF THE GENERAL TERMS ABOVE WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.Complete Agreement, Severability, Captions, and Survival. You agree that this Agreement is the complete and exclusive statement of the agreement between us, sets forth the entire understanding between us and you with respect to the Service and the portion of the Site through which the Service is offered and supersedes any proposal or prior agreement, oral or written, and any other communications between us. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. The captions of Sections in this Agreement are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement. Sections 2, 5-7, 11, 17, 18, 23, and 26-35 of the General Terms, as well as any other terms which by their nature should survive, will survive the termination of this Agreement. If there is a conflict between the terms of this Agreement and something stated by an employee or contractor of ours (including but not limited to its customer care personnel), the terms of the Agreement will prevail.Definitions."ACH Network" means the funds transfer system, governed by the NACHA Rules, that provides funds transfer services to participating financial institutions."Affiliates" are companies related by common ownership or control."Business Day" is every Monday through Friday, excluding Federal Reserve holidays or other days that banks are legally closed."Eligible Transaction Account" is a transaction account from which your payments will be debited, your Service fees, if any, will be automatically debited, or to which payments and credits to you will be credited, that is eligible for the Service. Depending on the Service, an Eligible Transaction Account may include a checking, money market or other direct deposit account, credit card account, or debit card account, including any required routing information."Payment Instruction" is the information provided for a payment to be made under the applicable Service, which may be further defined and described below in connection with a specific Service."Payment Network" means a debit or credit network (such as the ACH Network or ACCEL / Exchange payment network) through which funds may be transferred."Service Provider" means companies that we have engaged (and their Affiliates) to render some or all of the Service to you on our behalf.BILL PAYMENT SERVICE ADDITIONAL TERMSDescription of Service. The term "Bill Payment Terms" means these Bill Payment Service Additional Terms. The bill payment service (for purposes of these Bill Payment Terms, and the General Terms as they apply to these Bill Payment Terms, the "Service") enables you to receive, view, and pay bills from the Site.Payment Scheduling. The earliest possible Scheduled Payment Date for each Biller will be designated within the portion of the Site through which the Service is offered when you are scheduling the payment. Therefore, the Service will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period. Depending on the method of payment, your Eligible Transaction Account may be debited prior to the Scheduled Payment Date. For example, if the selected method of payment is a draft check drawn on your account, the draft check arrives earlier than the Scheduled Payment Date due to expedited delivery by the postal service, and the Biller immediately deposits the draft check, your Eligible Transaction Account may be debited earlier than the Scheduled Payment Date.The Service Guarantee. Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with Section 2 of the Bill Payment Terms (Payment Scheduling).Payment Authorization and Payment Remittance. By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the Site. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives. When the Service receives a Payment Instruction, you authorize the Service to debit your Eligible Transaction Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Eligible Transaction Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Service. The Service will attempt to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee (as described in Section 3 of the Bill Payment Terms) shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:If, through no fault of the Service, your Eligible Transaction Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;You have not provided the Service with the correct Eligible Transaction Account information, or the correct name, address, phone number, or account information for the Biller; and/or,Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Eligible Transaction Account or causes funds from your Eligible Transaction Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Eligible Transaction Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.Payment Cancellation Requests. You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the portion of the Site through which the Service is offered. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.Stop Payment Requests. The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact customer care for the Service in the manner set forth in Section 22 of the General Terms above. Although the Service will attempt to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.Exception Payments Requests. Exception Payments may be scheduled through the Service, however Exception Payments are discouraged and must be scheduled at your own risk. Except as required by applicable law, in no event shall the Service be liable for any claims or damages resulting from your scheduling of Exception Payments. The Service Guarantee (as described in Section 3 of the Bill Payment Terms) does not apply to Exception Payments.Bill Delivery and Presentment. The Service includes a feature that electronically presents you with electronic bills from select Billers. Electronic bills may not be available from all of your Billers. Electronic bills are provided as a convenience only, and you remain solely responsible for contacting your Billers directly if you do not receive their statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:Presentation of electronic bills - You will receive electronic bills from a Biller only if both: (a) you have designated it in the Service as one of your Billers, and (b) the Biller has arranged with our Service Provider to deliver electronic bills. The Service may then present you with electronic bills from that Biller if either: (1) you affirmatively elect online within the Service to receive electronic bills from the Biller, or (2) the Biller chooses to send you electronic bills on a temporary "trial basis." In either case, you can elect online within the Service to stop receiving electronic bills from a Biller. Electing to receive electronic bills, automatically receiving trial electronic bills, and declining further elected or trial electronic bills all occur on an individual Biller basis. The Service does not include an option to prevent ever participating in the automatic trial electronic bill feature. When affirmatively electing to receive electronic bills from a particular Biller, you may be presented with terms from that Biller for your acceptance. We are not a party to such terms.Paper Copies of electronic bills - If you start receiving electronic bills from a Biller, the Biller may stop sending you paper or other statements. The ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. Check with the individual Biller regarding your ability to obtain paper copies of electronic bills on a regular or as-requested basis.Sharing Information with Billers - You authorize us to share identifying personal information about you (such as name, address, telephone number, Biller account number) with companies that you have identified as your Billers and which we have identified as offering electronic bills for purposes of matching your identity on the Service's records and the Biller's records to (a) activate your affirmative request for electronic bills, and/or (b) confirm your eligibility for "trial basis" electronic bills.Information held by the Biller. We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and email addresses, that is held by the Biller. Any changes will require you to contact the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. We may, at the request of the Biller, provide to the Biller your email address, service address, or other data specifically requested by the Biller for purposes of the Biller matching your identity against its records or informing you about the Biller's services and/or bill information.Activation. We will notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.Authorization to obtain bill data. You authorize us to obtain bill data from your Billers that you have requested to send you electronic bills, and from your Billers that wish to send you trial electronic bills. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.Notification. We will attempt to present all of your electronic bills promptly. In addition to notification within the Service, we may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.Cancellation of electronic bill notification. The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. We will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.Non-Delivery of electronic bill(s). You agree to hold us harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.Accuracy and dispute of electronic bill. We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be directly addressed and resolved with the Biller by you. This Agreement does not alter your liability or obligations that currently exist between you and your Billers.Disclosure of Account Information to Third Parties. It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make in the following situations pursuant to our Privacy Policy (as further described in Section 10 (Your Privacy) of the General Terms), in addition to the circumstances set forth in Section 20 of the General Terms (Information Authorization):Where it is necessary for completing transactions;Where it is necessary for activating additional services;In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;To a consumer reporting agency for research purposes only;In order to comply with a governmental agency or court orders; or,If you give us your written permission.Service Fees and Additional Charges. You are responsible for paying all fees associated with your use of the Service. Applicable fees will be disclosed in the user interface for, or elsewhere within, the Service or Site. Any applicable fees will be charged regardless of whether the Service was used, except for fees that are specifically use-based. Use-based fees for the Service will be charged against the Billing Account. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by your telephone and Internet service provider. Section 18 of the General Terms (Failed Or Returned Payment Instructions) applies if you do not pay our fees and charges for the Service, including without limitation if we debit the Billing Account for such fees, as described in this Section, and there are insufficient funds in the Billing Account.Biller Limitation. The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. As required by applicable law, the Service will notify you promptly if it decides to refuse to pay a Biller designated by you.Returned Payments. In using the Service, you understand that Billers and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Service will attempt to research and correct the returned payment and return it to your Biller, or void the payment and credit your Eligible Transaction Account. You may receive notification from the Service.Information Authorization. In addition to Section 20 of the General Terms (Information Authorization), you agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).Bill Capture. The following Bill Capture terms and conditions in this Section 14 (Bill Capture) only apply to Bill Capture (as defined below). If Bill Capture is not available to you within our mobile banking application, then this Section 14 (Bill Capture) does not apply.Bill Capture. Your use of our mobile banking application may include the ability to add bill payment payees by utilizing your mobile phone to take pictures of your paper bills ("Bill Capture"). Once you take the picture, Bill Capture extracts and prefills Biller information such as the name, address and account number of the Biller into our mobile banking app for use with the Service, or matches the bill to an existing Biller and prefills the amount due and due date. Bill Capture is subject to the following terms:You shall use Bill Capture only for your own use in accordance with the terms of this Agreement;We do not guarantee that your mobile device will be compatible with Bill Capture; andYou bear sole responsibility for confirming that the information captured by Bill Capture matches the information on the applicable bill pay stub, and in no event will we be liable for any results from your use of extracted data from Bill Capture with the Services, including, without limitation, any late fees for payments sent to an improper Biller or improper account.Bill Discovery. The following Bill Discovery terms and conditions in this Section 15 (Bill Discovery) only apply to Bill Discovery (as defined below). If Bill Discovery is not available to you from our Site, then this Section 15 (Bill Discovery) does not apply. Bill Discovery. The bill discovery feature ("Bill Discovery") enables the automatic searching, identification, and retrieval of information about your Billers and bills based on matching information about your identity. In order to enable Bill Discovery, you will need to authorize the Service to access and use information from your consumer report from a credit bureau and/or our Biller network in order for Bill Discovery to identify potential matches. By providing your consent within the Bill Discovery portion of the Site, you authorize the Service to access and use such information until you withdraw your consent. You may withdraw your consent within the Bill Discovery portion of the Site at any time. If Bill Discovery has identified Biller matches, the Service will allow you to add these Billers to your user profile. New Billers added through Bill Discovery are subject to Section 8 (Bill Delivery and Presentment) of the Bill Payment Terms.Payment Methods. In addition to the payment methods set forth in Section 15 (Payment Methods and Amounts) in the General Terms, certain Service payments may be processed using a prepaid, single-use virtual card. Single-use cards provide a fast and secure way for your payment to be delivered. Please note in the event your payment is processed using a virtual card, you will not recognize the payment method and/or card numbers on any payment confirmation communication you may receive from your Biller.Definitions."Biller" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be."Billing Account" is the checking account from which all Service fees will be automatically debited."Due Date" is the date reflected on your Biller statement for which the payment is due, not the late payment date or the date beginning or a date during any grace period."Eligible Transaction Account" is as defined in Section 36 of the General Terms, except that it shall be limited to an account that you hold with us, and from which bill payments will be debited."Exception Payments" means payments to deposit accounts or brokerage accounts, payments to settle securities transactions (including, without limitation, stocks, bonds, securities, futures (forex), options, or an investment interest in any entity or property)."Payment Instruction" is as defined in Section 36 of the General Terms, and is further defined as the information provided by you to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date)."Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing."Scheduled Payment Date" is the day you want your Biller to receive your bill payment, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.ZELLE® AND OTHER PAYMENT SERVICES ADDITIONAL TERMSDescription of Services.We have partnered with the Zelle Network® ("Zelle®") to enable a convenient way to transfer money between you and other Users using aliases, such as email addresses or mobile phone numbers ("Zelle® Payment Service," as further described below). Zelle® provides no deposit account or other financial services. Zelle® neither transfers nor moves money. You may not establish a financial account with Zelle® of any kind. All money will be transmitted by a Network Financial Institution. THE ZELLE® PAYMENT SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE ZELLE® PAYMENT SERVICE OR OTHER PAYMENT SERVICES TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST. The term "Zelle® and Other Payment Terms" means these Zelle® and Other Payment Services Additional Terms.In addition to the Zelle® Payment Service, we provide other payment services under these Terms of Service. First, these additional services allow you to send money to people if you provide the Eligible Transaction Account information and other contact information for the Receiver; such transactions are not sent via Zelle®. Second, outside Zelle®, we allow you to establish a one-time payment for a payment recipient for which processing shall be initiated at a later specified date up to one (1) year. Third, outside Zelle®, we enable you to establish a recurring series of payments to a payment recipient for which processing shall be initiated on dates you specify. These three payment services and any other payment services that we provide under these Zelle® and Other Payment Terms are referred to as "Other Payment Services" in these Zelle® and Other Payment Terms. Although future-dated payments and recurring payments are outside Zelle®, we may ultimately send those transactions via Zelle® when the applicable date of payment arrives, in which case the applicable payment transaction is part of the Zelle® Payment Service, not the Other Payment Services. The term "Zelle® and Other Payment Services" means the Zelle® Payment Service and the Other Payment Services.The Zelle® and Other Payment Services enable you: (1) to initiate a Payment Instruction from an Eligible Transaction Account to an account at a U.S. financial institution; and/or (2) to receive a payment from another person into an Eligible Transaction Account, in U.S. dollars. All payments must be made through the Site and are subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time. Receipt of payments may be made through the Site and is subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time. In some instances, receipt of payments may be made through other locations besides our Site, such as the Zelle® mobile handset application ("Zelle® Standalone Locations") and if you choose to initiate or receive a payment at a Zelle® Standalone Location you acknowledge and agree that you shall be subject to the terms of other agreements, including, but not limited to, the "terms of use" for the Zelle® Standalone Locations and applicable laws and regulations, in each case as in effect from time to time. Subject to the terms of this Agreement, the Zelle® and Other Payment Services are generally available 24 hours, seven days a week with the exception of outages for maintenance and circumstances beyond our or Zelle®'s control. Live customer service generally will be available Monday through Friday, excluding US financial institution holidays.The Zelle® Payment Service allows for the delivery of payments to Receivers who are also enrolled in the Zelle® Payment Service through a Payment Network designed to deliver payments on the same day and potentially within minutes, although actual speed will vary, as described below. The Zelle® and Other Payment Services are not instantaneous. Payment delivery speed may vary based upon the fraud, risk and other funds availability policy of each financial institution and Payment Network availability. We are not responsible for the performance, speed, or other acts or omissions of the Payment Networks that may be involved in the transmission of a payment. We shall not be obligated to comply with the Automated Clearinghouse (ACH) Rules in such recovery efforts or otherwise in connection with Zelle® and Other Payments unless the applicable transaction is transmitted through the ACH network. We are only responsible for delivery of the applicable Payment Instructions to the applicable Payment Network in the format required by the applicable Payment Network's specifications.Payment Authorization and Payment Remittance.Section 12 of the General Terms does not apply to the Zelle® Payment Service. When you enroll to use the Zelle® Payment Service or when you permit others to whom you have delegated to act on your behalf to use or access the Zelle® Payment Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account. In addition to the restrictions set forth in Section 13 of the General Terms, you agree that you will not use the Zelle® and Other Payment Services to send money to any
Helpful VideosLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Helpful VideosPersonal CardValet® Chip Cards Contactless Cards Debit Cards FDIC Identity Theft Prevention Internet Banking Mobile Banking (Tablet) Online Bill Pay Personal Mobile Banking (Phone) Personal Online Banking Business ACH Manager Business Bill Pay Business Internet Banking Business Mobile Banking Centrix Positive Pay ID Theft For Business Lockbox Remote Deposit Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
CardValet®Locations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing CardValet®.Your card, on your terms.Get control and convenience, from an app on your phone, for the cards in your wallet. CardValet® is a central hub for managing your cards and how they are used, viewing your transactions, and staying informed.Restrict purchases to locations, merchant categories, or transaction typesEasily lock and unlock cardsCheck account balances and view recent transactionsSet up alerts based on transaction type, merchant category, location, or even spend limitAnd if you’re a small business trying to limit employee expenses set your cards to be used to pick up supplies for the office, but not for personal purchases.What is CardValet®?CardValet® is an app for your iPhone or Android phone that allows you to turn your debit or credit card "on" or "off." This can be particularly useful for times when you might have lost your card, or suspect it was stolen. By turning it "off," you ensure that no transactions can occur. It also offers other controls and settings that help you limit the geographic area where the card can be used, the type of merchant and the dollar amount. Any limit can be changed instantly using the CardValet® app.What makes CardValet® valuable?CardValet® is easy to use and one of the most powerful tools you can have to protect against fraudulent use of a lost, stolen or compromised debit or credit card. It can also be useful for controlling the way dependents can use a credit or debit card you give them. In addition to the ability to turn your cards "on" or "off" for all transactions, you can also:Limit the card to a geographic areaLimit the type of merchant where the card can be usedLimit the dollar amount for any transactionReceive alerts when anyone attempts to use the card outside your limitsQuestions about CardValet®If you have questions or concerns about CardValet®, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Chip CardsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Contactless CardsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Debit CardsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing Debit Cards.Debit cards are a simple, convenient way to make purchases in stores or even online. Using your debit card is just like writing a check -- the money is withdrawn from your account. But, it is faster and more convenient than a check, because you use your debit card just like a credit card! Faster than a check, more convenient than a visit to the ATM, and safer than cash -- your debit card is a great way to make purchases.The advantages of a Debit Card:Fast as cashUse like a credit cardEliminates the inconvenience of writing a checkMoney is deducted out of your accountUsing a Debit Card is easy!What is a Debit Card?A debit card is a plastic card, resembling a credit card, that provides an alternative payment method to paper checks or cash when making purchases. Functionally, it can be thought of as an electronic check, because the funds are withdrawn directly from your account with us.What makes my Debit Cards different than a credit card?Debit Cards allows you to pay for your purchases using the money in your account with us. When you use a credit card, you are borrowing the money for your purchase, which means you have to repay it with interest. Using your debit card is just like writing a check or paying with cash -- you pay for the purchase on the spot.Are Debit Cards secure?Debit Cards are very secure. Each time you make a purchase, you either enter a 4-digit PIN that only you know -- or you can sign a purchase slip just like you would do with a credit card. Either way, you have complete control over the amount you are authorizing. And, debit cards are much safer than carrying cash. If it's lost or stolen, you can limit your losses by reporting it to us right away.Questions about Debit CardsIf you have questions or concerns about Debit Cards , please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
FDICLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Deposit Insurance CoverageThe 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.What Is the FDIC?The FDIC – short for the Federal Deposit Insurance Corporation – is an independent agency of the United States government. The FDIC 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.Why Is FDIC Insurance Important to You?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. Even with these safeguards, some insured banks fail. If your insured bank fails, FDIC insurance will cover your deposits, dollar for dollar, including principal and any accrued interest, up to the insurance limit.Since the start of the FDIC in 1933, no depositor has ever lost a penny of insured deposits.What Does the FDIC Insure?The FDIC insures all deposits at insured banks, including checking, NOW and savings accounts, money market deposit accounts, and certificates of deposit (CDs), up to the insurance limit. 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.How much coverage does the FDIC provide?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. Basic insurance amount is $250,000 per depositor per insured bank.If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank, you do not need to worry about your insurance coverage -- your deposits are fully insured.Is there any coverage Over $250,000?The FDIC provides separate insurance coverage for deposit accounts held in different categories of ownership. You may qualify for more than $250,000 in coverage at one insured bank if you own deposit accounts in different ownership categories.Common Ownership CategoriesSingle AccountsThese are deposit accounts owned by one person and titled in that person’s name only. All of your single accounts at the same insured bank are added together and the total is insured up to $250,000. For example, if you have a checking account and a CD at the same insured bank, and both accounts are in your name only, the two accounts are added together and the total is insured up to $250,000.Note: Retirement accounts and qualifying trust accounts are not included in this ownership category.Certain Retirement AccountsThese are deposit accounts owned by one person and titled in the name of that person’s retirement plan. Only the following types of retirement plans are insured in this ownership category:Individual Retirement Accounts (IRAs) including traditional IRAs, Roth IRAs, Simplified Employee Pension (SEP) IRAs, and Savings Incentive Match Plans for Employees (SIMPLE) IRAsSection 457 deferred compensation plan accounts (whether self-directed or not)Self-directed defined contribution plan accountsSelf-directed Keogh plan (or H.R. 10 plan) accountsAll deposits that an individual has in any of the types of retirement plans listed above at the same insured bank are added together and the total is insured up to $250,000. For example, if an individual has an IRA and a self-directed Keogh account at the same bank, the deposits in both accounts would be added together and insured up to $250,000.Note: Naming beneficiaries on a retirement account does not increase deposit insurance coverage.Joint AccountsThese are deposit accounts owned by two or more people. If both owners have equal rights to withdraw money from a joint account, each person’s shares of all joint accounts at the same insured bank are added together and the total is insured up to $250,000.If a couple has a joint checking account and a joint savings account at the same insured bank, each co-owner's shares of the two accounts are added together and insured up to $250,000, providing up to $500,000 in coverage for the couple's joint accounts.Questions about FDICIf you have questions or concerns about FDIC, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Identity Theft PreventionLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Learn to protect yourself from Identity Theft. Kirkpatrick Bank can help.Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. While the words may sound like a foreign language -- Phishing, Pharming, Vishing, Spyware, Dumpster Diving — they are actually techniques used by thieves to put your identity and finances at risk. And their attacks grow more frequent and sophisticated every year. Identity theft is the fastest growing crime in the United States. According to US Department of Justice statistics, it’s now passing drug trafficking as the number one crime in America. How to protect your identityThe simple fact is you can protect yourself against most forms of identity theft. The first step is education. To make it easier to understand, we’ve divided identity theft into the five “Danger Zones.” Take a few moments to learn about each of the Danger Zones and the steps you can take to avoid being a victim. Watch the video above.Danger Zone: EmailPhishing is an email scam used to steal your personal information. Email similar to the one pictured may appear in your inbox, claiming to be from your financial institution, credit card company, or another source. It may appear authentic, but be careful - any email requesting personal information or to “verify” account information is usually a scam. Do not respond to this and do not click on any link from this email.How to spot Phishing and other email scamsAny email requesting personal information, or asking you to verify an account, is usually a scam... even if it looks authentic.The email may instruct you to click on a link, or call a phone number to update your account or even claim a prize.The message will often threaten a dire consequence if you don’t respond immediately, such as closing your account.These are clear signs that someone is “Phishing” for your information.Follow these steps to avoid email scamsNever respond to any email asking for confidential information, even if it appears urgent. Chances are it is a fraudulent email.Never click on a link from an email. Instead, type the known Website address into your Internet browser.Do not call any phone number provided in a suspicious email. It could be a fake phone number.Always use anti-virus and anti-spyware software on your computer, and keep them up-to-date. Remember, email is not a secure form of communication. So feel free to use your email, but don’t use it to send or receive confidential information. And if you follow the four basic steps listed, you can protect yourself from most phishing and other email scams. Danger Zone: The Internet The Internet is a great place to browse and do business. But it can also be a Danger Zone for identity theft if you don’t know what to watch for or how to protect yourself.There are several types of malware – which means malicious software – that can infect your computer as you surf the web including:VirusesSpywareTrojan HorsesKeystroke LoggersThese programs are becoming more sophisticated and ingenious in their ability to infect your computer. Many are designed to steal your personal information.Learn how to practice safe surfingFollow these steps to protect your computer from the majority of Internet crime:Make sure you have anti-virus and anti-spyware software installed on your computer, keep them updated, and run a full system scan at least weekly.Keep your computer operating system up to date, and your firewall turned on.Use strong passwords for secure sites. These should include eight or more characters with random numbers, and change your passwords every six months.If you download anything from the Internet such as music, movies, or pictures, make sure you do so only from trusted websites. Downloads can be infected with spyware attached to the file.Watch for signs of spyware—frequent pop up ads, unexpected icons on your desktop, random error messages or sluggish computer performance are all signs of infection. Run a full system anti-virus and anti-spyware scan to safely remove.Be careful when using public computers to perform any type of personal transactions. Just logging into a Website may give away passwords and other private information if spyware has been installed on that computer.Following these steps will help protect you from the most common forms of identity theft while surfing the Internet.Danger Zone: TelephoneThe telephone is one of the most often used sources for criminal activity. Here’s how it works. Your phone rings. The caller claims to be from your financial institution, or any other source. They begin asking questions about you and your account. This could be a telephone scam called Vishing. Someone is attempting to steal your identity. And it happens to millions of Americans every year.Protect yourself from telephone scamsFollow these steps to protect yourself from most types of identity theft telephone scams:Never offer personal or account information over the phone without verifying the caller’s identity.If you are uncertain of the identity of a caller, hang up and initiate the call yourself using a known phone number.Do not call any phone number received in a voice message or email asking for personal information. It could lead you to a phony answering system.As a general guideline, be highly suspicious anytime you are requested to provide personal information over the phone.Danger Zone: PaymentsPayment fraud happens when someone uses information from your checks, credit and debit cards, or any other form of payment without your knowledge to commit fraud or other crimes. But this, and other forms of identity theft, can be avoided if you know how to protect yourself.Avoid being a victim of payment fraudDon’t make it easy for criminals to steal your personal information. Here are some common sense tips to protect your identity:Balance your checkbook, and verify all account and credit card statements as soon as they arrive.Keep all checks, credit and debit cards in a safe place.Don't leave outgoing checks or paid bills in your mailbox, and report lost or stolen items immediately.Don’t write PIN numbers on your credit or debit cards, or leave them in your wallet for a thief to find.Use a paper shredder to securely dispose of any documents containing personal information.Make online purchases only from trusted Web sites. If you have questions about a company, you can check them out with the Better Business Bureau.NOTE!!!!!!!! Consider paying all your bills electronically with online bill pay. This method is considered more secure than mailing paper checks.Reducing your risk of identity theft starts with protecting your personal information. Keep it from getting into the wrong hands. Always be diligent about protecting your identity.Danger Zone: HomeThe simple act of sending and receiving mail, and putting your trash out at night can put your personal information at risk. Financial information, checks, bank account and credit card statements, and monthly bills can be stolen from your home, mailbox or even from your trash, and used to access your accounts and steal your identity.Follow these steps to protect against identity theft in your homeInvest in a personal shredder. This is your first line of defense. Shred checking and credit card statements, cancelled checks, pre-approved credit card offers, or anything with your personal information on it before disposal.Place your garbage out on the morning of pickup rather than the night before. This gives dumpster divers less opportunity to go through your trash.Install a mailbox with a locking mechanism, or pick up your mail immediately after it is delivered each day.Change that old habit of placing mail in your mailbox for the carrier to pick up. Always place out-going mail in an official, secure mailbox.It’s good practice to store your mail, bank statements, and other papers where they are out of sight and out of reach of anyone who might be in your home.By following these steps you are on the right track to protecting your identity. Learning about all the identity theft danger zones and the simple steps you can take to avoid being a victim, is the best way to protect your good name.I’m a Victim of Identity Theft—What Should I Do?If your identity has been stolen, you need to take immediate action to limit the damage and protect your good name.Download our free Identity Theft Emergency Repair Kit (PDF)It provides step-by-step instructions and the necessary forms to help restore your identity. You will need Adobe® Acrobat® Reader® to open this PDF document.Contact Kirkpatrick Bank and other related vendors immediately. Close any accounts that may have been tampered with or opened fraudulently.Place a fraud alert on your credit report with one of the three major credit bureaus. Also request to review your credit report for suspicious activity. A copy of your credit report is available free each year from www.annualcreditreport.com.Equifax®: 1-888-766-0008Experian®: 1-888-397-3742TransUnion®: 1-800-680-7289File a complaint with the Federal Trade Commission at ReportFraud.ftc.gov.File a report with local police.Protect yourself against fraudulent transactionsConsumers are protected in a number of ways against unauthorized electronic transactions, but it’s very important to do your part. These protections do not apply to business accounts:Report lost or stolen debit/ATM cards within two business days. If you lose your debit/ATM card (or other access device) report it immediately.By contacting your financial institution within two business days of discovering the loss, you limit your liability to $50. Waiting more than two business days to report the loss increases your liability up to $500.Important! Review your statement every month. If you find an unauthorized electronic transaction, you have 60 days to report it to your financial institution in order to limit the amount for which you are liable. If you wait more than 60 days you become liable for the unauthorized transactions. So review your statements every month and report any suspicious activity immediately.The security of your money and identity is as important to us as it is to you. Let's work together to protect it.Mobile SecurityThe most important step in Mobile Banking security is treating your mobile device like a portable computer. A few common-sense precautions will help protect you from fraud and I.D. Theft:Set the phone to require a password to power on the handset or awake it from sleep mode. If it's lost or stolen any personal information stored on the device will be more difficult to access.Whether you're using the mobile Web or a mobile client, don't let it automatically log you in to your bank account. Otherwise, if your phone is lost or stolen, someone will have free access to your money.Don't save your password, account number, PIN, answers to secret questions or other such information on the mobile device.Immediately tell your bank or mobile operator if you lose your phone. The sooner you report the loss, the better protected you are from fraudulent transactions.Download and install antivirus software for your mobile device, according to the manufacturer's recommendations.Be careful when downloading Apps. Downloads should always be from a trusted and approved source and endorsed by your mobile device provider.Avoid "free offers" and "free ringtones." An email or instant message that offers free software downloads, such as ringtones, may contain viruses or malware.Be cautious of e-mails or text messages from unknown sources asking you to update, validate or confirm your personal details including password and account information. Don't reply to text messages from people or places that you do not know.Treat your mobile device as carefully you would your wallet, cash or credit cards.Keep track of account transactions. Review your bank statements as regularly as possible to rule out the chances of fraudulent transactions. If you notice discrepancies, contact your bank immediately.Only use Wi-Fi on your device when connected to password protected hotspots. Turn-off any auto-connect features. They might cause your phone to log into insecure wireless networks without your knowledge.Make sure you log out of social networking sites and online banking when you’ve finished using them.Install operating system updates for your device as they become available - they often include security updates.Before you upgrade or recycle your device, delete all personal/business details.Mobile Banking is a useful tool that can simplify your life and make managing your money incredibly convenient. By using common sense, it can also be a safe and secure part of your daily life.Social Engineering“Social Engineering” is any method of theft that manipulates your human nature in order to gain access to your online financial accounts. Here are a few ways you can protect yourself from thieves using Social Engineering techniques:Don't respond to ANY email or social network post or message that asks for money or confidential information. Thieves can hack email and social network accounts, and then pose as a friend or family member in order to gain your trust.Don't assume that an unsolicited phone call or email is actually from a trusted source. Thieves can research your purchases or donations, then pose as a business or charity you trust. Or, they may pose as law enforcement, a bank officer or another trusted authority figure. Just because they have bits of information about you or your past activities doesn't mean they are legitimate.Verify, verify, verify. If someone on the phone, or a message in your inbox, is telling you there is a problem with your online banking account, online auction account or credit card account, don't give them additional information to “fix” the problem. Instead, hang up the phone or delete the email and check those accounts directly by logging in normally or calling a published customer service number.Be conscious of what can be learned about you. Many kinds of online accounts, including online banking, use challenge questions as part of their security. Make sure you don't choose responses that can be found online. For example, don't use your mother's maiden name if it is mentioned on a social network profile; or the model of your first car, if you discussed it on a forum. Thieves are very good at digging out those details from online searches.Remember, even the most innocent email attachments can be infected with computer malware. Common and popular files like PDFs, JPGs and spreadsheets can provide a platform for installing viruses or keystroke-logging malware on your computer. If you aren't certain the file came from a legitimate business, charity or person, don't open it without verifying. Call them and ask if they sent an email with an attachment.The thieves are smart and very good at exploiting your honesty and natural cooperation. They can send email that looks like it came from a family member, or hijack your best friend's social network account. Don't let your good nature become your downfall.The best way to avoid Social Engineering schemes is to be cautious and suspicious of ANY request for money, passwords, account numbers or other confidential information – no matter where it seems to be coming from.Questions about Identity Theft PreventionIf you have questions or concerns about Identity Theft Prevention , please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Internet BankingLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing Internet Banking.Now you can have 24-hour access to real-time account information from the convenience of your personal computer. Internet Banking is convenient, easy to use, and more secure than ever.Check all your account balances, pay bills and make transfers right from the Home PageTrack your expenses in an easy-to-read pie chart -- so you can see where your money is going at a glanceView real-time account balances, check images and history24-hour access to checking, loans and CDsExport history to financial software or spreadsheetsTransfer funds between accountsPay bills onlineRequest stop paymentsSafe and secureWhat is Internet Banking?Internet Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Internet Banking, you can:View real-time account balances, check images and historyAccess checking, loans and CDs 24-hours a dayExport history to financial software or spreadsheetsTransfer funds between accountsPay bills onlineRequest stop paymentsWhat do I need to bank online?To get started, click the First Time Login, agree to the terms and conditions, complete the enrollment form and you'll be banking online in no time at all.What types of accounts can I view with Internet Banking?With Internet Banking, you can view all your Kirkpatrick Bank 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?Kirkpatrick Bank uses the latest Internet security available, including secure communications (SSL), firewalls, 128 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 Internet Banking has been inactive for a period of time, Internet 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 Internet 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 Kirkpatrick Bank accounts.Do I need extra software or hardware to use Internet Banking?No extra software is necessary. You can access your Kirkpatrick Bank accounts from almost any PC that has Internet access.Will Internet Banking work with my current Internet Service Provider?Yes, Internet 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.Questions about Internet BankingIf you have questions or concerns about Internet Banking, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Mobile Banking (Tablet)Locations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Mobile Banking that's as amazing as the tablet you run it onYour tablet is a trusted companion. Now, it's a trusted way to do all your banking from anywhere at any time. Monitor your accounts... receive alerts, view accounts, even transfer funds whenever you need to. Wherever you happen to be.View balancesView transaction historyTransfer fundsPay billsLook-up branch information Your information is fully secure.Mobile Banking is as secure as a vault. With multiple layers of authentication, you'll never have to worry about the wrong people getting your information. Download the App.Mobile Banking is available to anyone currently enrolled for our Internet Banking service.Visit the appropriate App StoreSearch for Kirkpatrick BankDownload and install the appMessage and data rates may apply. What is Mobile Banking for Tablets?Mobile Banking is our mobile service that brings banking to your phone. Mobile Banking for the Tablet allows you to monitor your account from your tablet at any time.What can I do with Mobile Banking?Mobile Banking allows you to:View account balancesView transaction historyTransfer fundsPay billsUse Popmoney® to pay other peopleDeposit checksWhat makes Mobile Banking for my tablet different?Mobile Banking for the Tablet is specifically designed to behave like other apps. It follows the navigation patterns you are used to, and uses the extra space available on a tablet's screen to make the information easier to read. Because Mobile Banking for the Tablet is optimized to use the capabilities and screen of your device, it makes for a better and more seamless experience than using the phone app.How do I enroll in Mobile Banking?Mobile Banking is available to anyone currently enrolled In Internet Banking. To download and install our application;Visit the appropriate App StoreSearch for Kirkpatrick BankDownload and install the appWhat tablets are supported for Mobile Banking?At the present time, Mobile Banking is available for iPad, Android and Kindle devices.Is Mobile Banking secure?Yes. Our Mobile Banking system uses state-of-the-art encryption to keep the data safe from hackers, and our login security is the strongest available.Can I use Mobile Banking on more than one phone or tablet?Yes. You can add phones and tablets, change services or cancel at any time from the Mobile Banking setup screen.Questions about Mobile Banking (Tablet)If you have questions or concerns about Mobile Banking (Tablet), please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Online Bill PayLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing Online Bill Pay from Kirkpatrick Bank.Simply the best way to manage your payments.Pay Virtually Anyone. From the local bakery to a Fortune 500 Company, even your babysitter.Send Money to Friends and Family. All you need is their email address or cell phone number.Same Day/Next Day Payments. Payments can often be received in as little as one business day, even that same afternoon if necessary.Group Payments into Categories. Organize your utilities, cable and phone into a folder named household.Account to Account Transfers. Even accounts at other financial institutions. Your money is always available, regardless of where you keep it.Receive eBills. Green, more convenient, more secure and easier to manage.Reminders. Receive updates through email when you receive a bill, or when it's due.Automatic Payments. Great for bills that stay the same each month, like your rent and your car loan.Search Bill History. Search by company, date and status, the moment you need an answer, wherever you are.Message Center. Get quick answers to questions you might have.Completely safe. More secure than mailing paper checks.Pay BillsPay anyone in the United States that you would normally pay by check or automatic debit, even if you do not receive bills from the company or person you want to pay.Pay all of your bills at the Payment Center. You can also see a summary of your recent and pending payments.Receive some of your bills online. You can view and pay these bills at the Payment Center.Set up automatic payments to pay your electronic bills or to automatically schedule payments of a set amount at regular intervals.Review your bills and payments for the past 24 months.How does it work?To pay your bills online, simply add the companies and people you want to pay. We use this information to make the payments for your bills. After you add your bills, you can go to the Payment Center. The Pay Bills section lists all of the bills you've added. To pay a bill, enter a payment amount and the date when you want the company or person to receive your payment. You can also select this date from the calendar. Pay as many bills as you want at the same time from the Payment Center.After you pay a bill, it may move to either the Pending Payments section or the Recent Payments section of the Payment Center.Pending Payments: Provide a quick summary of the payments that have not yet been processed.Recent Payments: Provide a list of bills that have been paid in the past 45 days.You can also find a list of the pending and recent payments for a particular biller in the Payment Assistant. If you can't find a payment in the Recent Payments section, go to Bill History, which shows all of the bills you paid in the past 24 months, including electronic bills and the bills that you pay automatically.How secure is my bill payment and personal information?We use several methods to ensure that your information is secure.SSL—Secure Sockets Layer ensures that your connection and information are secure from outside inspection.Encryption—128-bit encryption makes your information unreadable as it passes over the Internet.Automatic Sign Out—Automatically signs you out of a session if you are inactive for a predefined time (usually 10 minutes). It is best if you sign out immediately after you finish your tasks.Which browsers should I use?For best performance, we recommend you use the newest version of one of the following supported browsers:Microsoft EdgeFirefoxSafariChromeWhile other browsers may work, these supported browsers provide the highest level of security, accuracy, and functionality. We also recommend that you enable JavaScript in your browser. JavaScript is required for certain features to function properly.Can I use assistive technology for access?Yes, we've incorporated several enhancements based on priorities one and two of the World Wide Web Consortium's Web Content Accessibility Guidelines. These enhancements aim to make our bill pay solution more accessible to assistive technology users.The following features may help you navigate more easily:Skip to Main Content Links—These links allow you to skip the page banner and the redundant navigation links and go directly to the main page content.Link Titles—If a link opens a new window, you are alerted in the link title. Most of the links have descriptive labels, but we provide additional information in the link title if necessary. For this reason, we recommend that you set your screen reader to read the link title attributes.Table Summaries—Whenever information is presented in a table format, we provide a brief description of the contents.Font Sizes—The fonts can be resized without significantly changing the layout of a page.Send Money to Friends and FamilyPopmoney® is an innovative personal payment service that eliminates the hassles of checks and cash. Popmoney allows you to send and receive money as easily as you send and receive email and text messages. Best of all, you don't need a separate account. Just use your current U.S. checking or savings account.With Popmoney, you can send and receive money using your financial institution's online banking site. It's just that easy!How it WorksSending MoneyTo send money, log in to your account by accessing your financial institution's online banking site and look for Popmoney.Send money using the recipient's name and email address, mobile number or checking/savings account information. You can even make it special by using one of our eGreetings.You will be notified when the transaction is completed.If your recipient's financial institution is part of the Popmoney network, they can complete the transaction from their own financial institution's online banking site. If not, they can go to Popmoney.com to pick up the funds and direct the funds to their bank account.Receiving MoneyYou will receive an email or text message telling you someone sent you money.Log in to your financial institution's online banking site and direct the funds to your bank account.Money sent to a specified bank account will be automatically deposited there.How will the recipient know I sent money using Popmoney?The recipient will receive a payment notification either by email or a text message depending on how you chose to send the money.Email address: The recipient will receive an email with instructions on how to direct the payment into their checking or savings account.Mobile number: The recipient will receive a text message with instructions on how to direct the payment into their checking or savings account. If the recipient doesn't act in 3 days, they will receive a text message reminder to act on the payment notification. Message and Data charges from your telecommunications provider may apply.Bank account information (routing and account number): The money will be deposited into the recipient's bank account. You may choose to notify the recipient by sending an email message.When will the funds be available in the recipient's account?Funds may be available in the recipient's checking or savings account as early as one business day from the date they accept the funds. The recipient will receive a confirmation email with the date the funds will be in their account. What type of accounts can I use to send the payment to?Payment can be directed to a checking, savings, or money market account held at a U.S. financial institution.Do payments expire?Yes. The recipient has 10 days from the date of the payment notification to provide checking or savings account information. After 10 days, if the funds have not been accepted, the payment expires and the funds are returned to the sender.Is the Popmoney service secure?Yes. Popmoney was created with your financial security in mind. Popmoney is built on the industry's leading online money movement platform and utilizes superior risk management and fraud protection services. This is the same online money movement platform used by thousands of financial institutions, including many of the nation's top banks. Terms and Conditions apply.Account to Account TransfersEasily transfer money between your accounts, including your accounts at other financial institutions.Transfer funds from here...to there. You can move money between your accounts with us, and your accounts at other financial institutions.Quick and easy. Once your external accounts are set up in the system, just select them the same way you would select accounts with us.Fully secure. Your transfers move over completely secure electronic networks, making it the most secure way to transfer funds.Can I transfer money between accounts?Yes. If you've added more than one account in BillPay, you can easily transfer money between the accounts. Go to Transfer Money and select the option to transfer money.How long does it take to process an account transfer?The Transfer Date is the date that the money is withdrawn from the From account. Transfers are typically deposited in your To account on the transfer date. Transfers may be delayed three business days depending on the transfer amount or five business days depending on the selected From account. Your transfer limits are determined based on information that we received from the consumer credit reporting agency that verified your information when you enrolled.The calendar shows the earliest available date you can make a transfer.What are account transfer limits and how are they set?Limits for how much money you can transfer between accounts are established based on information you provided during enrollment. If you try to transfer an amount that is higher than your limits, a message informs you how much money you can transfer.Your transfer limits are shown in the Make a Transfer section next to the amount you want to transfer.A transfer fee may apply. The amount may vary based on the direction of the transfer. Transfers coming in may be charged a different fee from transfers going to an account at another institution.What should I do if I transfer money to the wrong account?If the transfer has not been processed, cancel the transfer. Once the transfer is canceled, schedule a new transfer to the correct account. If you've transferred the wrong amount, you can cancel the transfer if it has not been processed and reschedule it with the correct amount.If you have a problem with a transfer that has been processed, you can send us a transfer inquiry from the Transfer Detail page. Our customer service will attempt to resolve the problem on your behalf.What is a repeating transfer?The automatic transfer of a specified amount of money from one account to another based on a schedule that you set up. For example, you may want to set up a repeating transfer schedule to automatically transfer $500 from your money market account to a checking account at the end of each month.Quick Facts About Repeating Transfer Schedules.You need to make three decisions that determine the frequency and duration of the transfers:When do you want to schedule the first transfer?How often do you want to transfer the money?When do you want to stop scheduling the transfers?When you set up a transfer schedule, the transfers are automatically scheduled for the duration you choose or until you cancel the repeating transfer.Why is my reminder removed when I schedule a repeating transfer?When you schedule a repeating transfer for the same To and From accounts as an existing reminder you've set up, the reminder is removed. If e-mail notification options are available when you set up the repeating transfer, you can select those options to receive e-mail about your transfer.Questions about Online Bill PayIf you have questions or concerns about Online Bill Pay, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Personal Mobile Banking (Phone)Locations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Manage your money anytime, anywhere with Personal Mobile BankingInstant 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.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.Request Money: Request money from other people.Receive Money: Accept payments from other people.Deposit Checks: Deposit paper checks using your phone's built-in camera.Debit Card Control: Instantly turn your debit or credit card ON or OFF.Fully secure.Use Mobile Banking with complete confidence. It delivers the highest level of security thanks to multiple layers of authentication.Questions about Mobile BankingIf you have questions or concerns about Mobile Banking, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Personal Online BankingLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing Online Banking.Now, you can enjoy a simple, convenient and easy way to manage your money — anytime of the day or night. It delivers a highly intuitive user interface, responsive screens and great tools that simplify your financial life.Check all your account balances, pay bills and make transfers right from the Home PageView real-time account balances, check images and history24-hour access to checking, loans and CDsExport history to financial software or spreadsheetsTransfer funds between accountsPay bills onlineSafe and secureHelp CenterWhat is Internet Banking?Internet Banking is our online service that allows you to access your account information 24 hours a day, 7 days a week. Using Internet Banking, you can:View real-time account balances, check images and history24-hour access to checking, loans and CDsExport history to financial software or spreadsheetsTransfer funds between accountsPay bills onlineRequest stop paymentsWhat do I need to bank online?Banking online is easy. Internet 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 Internet Banking?With Internet Banking, you can view all your Kirkpatrick Bank 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?Kirkpatrick Bank 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 Internet Banking has been inactive for a period of time, Internet 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 Internet 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 Kirkpatrick Bank accounts.Do I need extra software or hardware to use Internet Banking?No extra software is necessary. You can access your Kirkpatrick Bank accounts from almost any PC that has Internet access.Will Internet Banking work with my current Internet Service Provider?Yes, Internet 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.Questions about NEW Internet BankingIf you have questions or concerns about NEW Internet Banking, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
ACH ManagerLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing ACH Manager.Electronic payments and deposits made simple.ACH Manager allows you to create electronic payments and deposits. As part of your online Cash Management, you can originate ACH transactions when and where you want, safely and quickly. It's the cost-effective way to handle routine transactions. ACH is used for a wide variety of payments and deposits:Direct Deposit of payrollPayments to vendorsPayments from customersFederal Tax paymentsSafe and SecureQuestions about ACH ManagerIf you have questions or concerns about ACH Manager, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form.. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Business Bill PayLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing Business Bill Pay from Kirkpatrick Bank.Business 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.What is Business Bill Pay for Business?Business Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.Pay any person or company in the United States, from your leasing company to your office suppliers.Schedule repeating payments, such as lease payments.Schedule single payments up to one year in advance. The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.How does Business Bill Pay work?There are two basic steps involved in using Business Bill Pay to make online payments:Set up your payees.Schedule payments.When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. When you make a payment, you specify the date that you want the payee to receive the payment. The earliest available payment date is four business days from today. Business Bill Pay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines. If you are a Level 3 User, you can initiate a payment, which must then be approved by a user of higher authority before the payment can be scheduled and issued. After a payment is scheduled, it appears as Scheduled in Payment Activity. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account.Note that there can be a delay between when the payee receives the payment and when the payee credits the payment to your account.How secure is the information I give to you?Business Bill Pay uses several methods to ensure that your information is secure.Business User ID and Password: Your business user ID and password are unique identifiers that only you know. As long as you don't share your business user ID and password with anyone, no one can sign in to Business Bill Pay as you.SSL: Business Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.Encryption: Business Bill Pay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.Automatic Sign Out: In addition, Business Bill Pay automatically signs you out of a session if you are inactive for a predefined number of minutes (usually 10 minutes). It is best if you sign out immediately after you are finished.If I haven't signed up for Business Bill Pay, how do I?To sign up for Business Bill Pay, you must enroll online and submit a completed enrollment form.How am I billed for bill payment service?Please contact us for help with this.How do I cancel bill payment service?The Level 1 User is the only user who can cancel the service. On the Profile - Service Setup page, click Cancel Your Service at the bottom of the page. Before you cancel your service, keep in mind the following:Scheduled payments, including repeating payments, are not paid.Processing payments are paid.You no longer have access to your payment activity and you can no longer send payment inquiries. You should wait until all of your scheduled payments are processed before you cancel your service. If you let your scheduled payments process, then you won't have any outstanding payments that you can't view or inquire about after you cancel your service.Your payees are notified to stop sending e-bills. However, it can sometimes take a few days for the payee to process the request. Therefore, until you begin receiving paper bills again you should contact the payee directly about your payment amount and payment due date. Because you can't send your payment using Business Bill Pay after you cancel your service, you should make your payment to the payee by some other means, such as a check.If you decide to use Business Bill Pay again, you will have to re-enroll and set up your payee list.How do I change business information?It's important to keep your business information (which includes business contact information) up to date so that we can contact you if necessary. To make any changes, go to the Profile - Business Information page and click Change.How do I change authorized user information?Since authorized users can access Business Bill Pay and contact customer service on your behalf, their information should be up to date. You can review authorized user information on the Profile - Authorized User Information page. To make any changes, go to the Profile - Authorized User Information page and click View/Change.What if I have a question about one of the features?Business Bill Pay can assist you in using its features as follows:This product contains help that is available on each page. Click Help Me With This Page to open Help for a specific topic. Also, you can click the Help button to open the Help Me Topics page.If you have general questions, read through the list of frequently asked questions (FAQs).What if I made a mistake when I entered my payment account information?If you made a mistake when typing an account number, routing transit number, or account type, you should add the payment account again using the correct information. Then delete the account with the incorrect information.Questions about Business Bill PayIf you have questions or concerns about Business Bill Pay, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Business Internet BankingLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing Business Internet Banking.Powerful business banking tools at your fingertips.With Business Internet Banking, you can save time, improve your cash flow, and streamline your cash management procedures all in a fully secure environment. Watch the video above to learn more.Real-time Account BalancesDirect Deposit of PayrollACH OriginationWire TransfersTransfer Funds between accounts in real timeState and Federal Tax PaymentsBill Pay ServicesPositive PayAll in a fully safe and secure environmentWhat is Business Internet Banking?Business Internet Banking is our Online Cash Management product that allows business clients 24-hour, real-time access to their accounts. Businesses can view account information, move funds, check transactions, plus initiate stop payments, wire transfers, and ACH transfers.Who can access Business Internet Banking?This service is available to any bank customer with a business account. Businesses can also grant full or limited use of Business Internet Banking to employees.How do I sign up for Business Internet Banking?Contact the Bank to learn how to sign-up for this service. We will work with you to establish the appropriate plan and service levels for your individual business needs.How do I get an access ID and password for Business Internet Banking?Access IDs and passwords will be sent to you once your enrollment applications have been approved and your account setup is complete.What does "real-time" account information mean?Unlike other financial institutions that update information one or two times a day, Business Internet Banking is "real time." This means account balances and transactions are updated as soon as items are processed by the bank, delivering the most current information available.How long is the transactional information available with Business Internet Banking?You can access transactional information for your current statement cycle and previous statement cycle. You have up to 25 days after the last day of your previous statement to view and/or export the information.Can I download my business account history into financial management software?Yes, information from your checking, savings, and loan accounts can be downloaded to your computer, and then imported into selected software applications such as Microsoft® Excel, Money, and other commonly used software. Note that not all file formats are supported. Some functions may also support the importation of data created in an accounting program to your Business Internet Banking applications.Can I transfer funds from/to other financial institutions?Yes, depending on your level of service, you can initiate a wire transfer, or originate an ACH funds transfer.Can I transfer funds between my personal and business accounts?For sole proprietors and owners, transfers can be made between personal and business accounts. This feature is not available for government, public entity, or nonprofit accounts.Can I approve the transfer of funds initiated by employees?Yes. With Business Internet Banking you can define access levels and set transfer limits for each employee.What should I do with the confirmation number I receive after initiating a transaction such as a transfer?You may either print the screen or simply make a note of the confirmation number for future reference.Questions about Business Internet BankingIf you have questions or concerns about Business Internet Banking, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Business Mobile BankingLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Business doesn't stop just because you're away from the office, and some of those important financial decisions can't really just wait until you get back. That's why Business Mobile Banking can be such a crucial tool for you and your company.No matter where you are, you can use your iPhone® or Android™ smartphone to:Review transfers and paymentsApprove transactionsDeposit checks on the goAnd even help protect your company from fraud by reviewing Positive Pay exceptionsBusiness Mobile Banking puts the power of financial management and supervision right into your hands... wherever you are, whenever you choose.What is Business Mobile Banking ?Business Mobile Banking is our mobile service that brings business banking to your phone. Business Mobile Banking allows you to monitor your account from your phone at any time.What can I do with Business Mobile Banking ?Business Mobile Banking allows you to:Review transfers and paymentsApprove transactionsDeposit checks on the goand even help protect your company from fraud by reviewing Positive Pay exceptionsWhat phones are supported for Business Mobile Banking ?Apple iPhone® and all phones using the Android™ operating system are supported. The specific app for each operating system can be found at their respective app store.Is Business Mobile Banking secure?Business Mobile Banking uses state-of-the-art encryption and login security to protect your accounts. In addition, Business Mobile Banking applies all user permissions assigned in the online version of your business banking to mobile access. How can I make a deposit using Business Mobile Banking ?If you have an iPhone® or Android™ smart phone, simply download the App. Then, log in. You'll key in the amount of the deposit, and take a picture of the front and back of the check. That's it! Within seconds of uploading the transaction, you'll receive a confirmation that the deposit was received successfully.What types of checks can be processed through Business Mobile Banking ?All personal and business U.S. checks can be processed through Business Mobile Banking . Checks from Canada and other foreign countries, food stamps, savings bonds and poor image quality checks must be deposited traditionally.You can transmit mobile deposits to the financial institution 24-hours a day, 7-days a week including weekends and holidays, with the exception of the financial institution's routine maintenance downtime. Deposits will be processed during normal banking hours.When will deposits be posted into my account?Deposits received electronically are processed similar to traditional paper deposits during the business day. The financial institution's window for processing electronic deposits may be extended. Contact the bank for details.What should I do with the original paper checks after deposits are made?Original checks should be stored for 14 days prior to being destroyed.How do I prevent checks from being scanned and deposited twice?The software has built-in duplicate detection tools that detect items already captured. If the software detects potential duplicate checks, an alert prompts you to make a decision about the items in question. Also endorse the back of the check with "For Mobile Deposit Only" as a precaution.How do I know the image quality is acceptable?The software has an Image Quality Assessment (IQA) tool that automatically identifies problems with the check image. If a problem is detected, you'll be asked to retake the photo.Questions about Business Mobile BankingIf you have questions or concerns about Business Mobile Banking , please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Centrix Positive PayLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Centrix Positive Pay is one of the most powerful tools you can use to protect your company against check fraudThe basics of Centrix Positive Pay are very simple:When you issue a batch of checks through your accounting program, each check has a certain profile - the date, the amount, the payee, and the account on which the check is drawn.Those records are exported from your accounting program, and imported to the Centrix Positive Pay system.As those checks are deposited and reach us for posting, we compared the details of the check to the details you provided when it was issued.If differences or discrepancies are found, the check is flagged, and placed in the Centrix Positive Pay "Exception" list for you to review.You can then determine whether the check should be paid or rejected.It's a simple but powerful way to stop the most common types of check fraud.What is Centrix Positive Pay?Centrix Positive Pay is a simple and effective system for eliminating the most common types of check fraud. It works by comparing the known information about each check - date, payee, amount and account number - against the details of checks presented to us for posting. If any of the details don't match (a discrepancy in the amount, for example) the check is flagged and presented as an "Exception." You can then review the check and determine if it should be paid or returned.How does Centrix Positive Pay receive the check information?After you issue a batch of checks in your accounting program, you simply export the information about those checks into a file. The file is then uploaded into Centrix Positive Pay. What are "Exceptions"?Exceptions are items that are presented for posting that do not match the information you provided. For example, the amount, date, payee or account on which the item was drawn are different from what you reported.What do I do with exceptions?You can review the exception to determine if the item is legitimate. If it is, you instruct us to pay it. If not, you disallow payment of the item.Do I have to review every transaction?No. You will only need to review and act on those items that are flagged as exceptions.Questions about Centrix Positive PayIf you have questions or concerns about Centrix Positive Pay, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
ID Theft For BusinessLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Is your company keeping information secure?Are you taking steps to protect personal information? Safeguarding sensitive data in your files and on your computers is just plain good business. After all, if that information falls into the wrong hands, it can lead to fraud or identity theft. A sound data security plan is built on five key principles:Take stock. Know what personal information you have in your files and on your computers.Scale down. Keep only what you need for your business.Lock it. Protect the information in your care.Pitch it. Properly dispose of what you no longer need.Plan ahead. Create a plan to respond to security incidents.To learn more about how you can implement these principles in your business, watch the above video. You'll see and hear about practical steps your business can take to protect personal information. After you experience the tutorial, we hope you'll take advantage of the other resources on this site to educate your employees and customers. This information is provided by the Federal Trade Commission, Bureau of Consumer Protection. Additional ResourcesThe following links are provided solely as a convenience to our visitors. Kirkpatrick Bank neither endorses nor guarantees in any way the organizations, services or advice associated with these links. Kirkpatrick Bank is not responsible for the accuracy of the content found on these sites.OnGuard Online: Learn how to avoid Internet fraud, secure your computer, and protect your personal information.AlsoSANS (SysAdmin, Audit, Network, Security) Institute's Twenty Most Critical Internet Security VulnerabilitiesU.S. Computer Emergency Readiness Team (US-CERT)Carnegie Mellon Software Engineering Institute's CERT Coodination CenterCenter for Internet Security (CIS)The Open Web Application Security ProjectGood practices can keep your information secure.Corporate Account Takeover is a form of identity theft in which criminals steal your valid online banking credentials. The attacks are usually stealthy and quiet. Malware introduced into your systems may be undetected for weeks or months. Account-draining transfers using stolen credentials may happen at a time when they are not noticed for a day or two.The good news is, if you follow sound business practices, you can protect your company:Use Layered System Security: Create layers of firewalls, anti-malware software and encryption. One layer of security might not be enough. Install robust anti-malware programs on every workstation and laptop. Keep them updated.Manage the security of online banking with a single, dedicated computer used exclusively for online banking and cash management. This computer should not be connected to your business network, should not retrieve any email messages, and should not be used for any online purpose except banking.Educate your employees about cybercrimes. Make sure your employees understand that just one infected computer can lead to an account takeover. Make them very conscious of the risk, and teach them to ask the question: “Does this email or phone call make sense?” before they open attachments or provide information.Block access to unnecessary or high-risk websites. Prevent access to any website that features adult entertainment, online gaming, social networking and personal email. All such sites can inject files into your network.Establish separate user accounts for every employee accessing financial information, and limit administrative rights. Many malware programs require administrative rights to the workstation and network in order to steal credentials. If your user permissions for online banking include administrative rights, don't use those credentials for day-to-day processing.Use approval tools in cash management to create dual control on payments. Requiring two people to issue a payment – one to set up the transaction and a second to approve the transaction – doubles the chances of stopping a criminal from draining your account.Review or reconcile accounts online daily. The sooner you find suspicious transactions, the sooner the theft can be investigated.The most important step in Mobile Banking security is treating your company mobile devices like portable computers.A few common-sense precautions will help protect you from fraud and theft:Set the phone to require a password to power on the handset or awake it from sleep mode. If it's lost or stolen, any confidential information stored on the device will be more difficult to access.Whether you're using the mobile Web or a mobile client, don't let it automatically log you in to company bank accounts. Otherwise, if your phone is lost or stolen, someone will have free access to your money.Don't save your password, account number, PIN, answers to secret questions or other such information on the mobile device.Immediately tell your bank and mobile operator if you lose your phone. The sooner you report the loss, the better protected you are from fraudulent transactions.Download and install antivirus software for your mobile device, according to the manufacturer's recommendations.Be careful when downloading Apps. Downloads should always be from a trusted and approved source, and endorsed by your mobile device provider.Avoid "free offers" and "free ringtones." An email or instant message that offers free software downloads, such as ringtones, may contain viruses or malware.Be cautious of e-mails or text messages from unknown sources asking you to update, validate or confirm your personal details including password and account information. Don't reply to text messages from people or places that you do not know.Treat your mobile device as carefully as you would your wallet, cash or credit cards.Keep track of account transactions. Review your bank statements as regularly as possible to rule out the chances of fraudulent transactions. If you notice discrepancies, contact your bank immediately.Only use Wi-Fi on your device when connected to password protected hotspots. Turn-off any auto-connect features. They might cause your phone to log into insecure wireless networks without your knowledge.Make sure you log out of social networking sites and online banking when you’ve finished using them.Install operating system updates for your device as they become available - they often include security updates.Before you upgrade or recycle your device, delete all personal/business details.Mobile Banking is a useful tool for your business, and can make managing your money incredibly convenient. By using common sense, it can also be a safe and secure part of your daily operations. all or email claiming there is a problem with a bank account, credit card account or any other network or finance related account, hang up the phone or delete the email and check those accounts directly through normal access channels.The best way to avoid Social Engineering schemes is to be cautious about any unknown visitor, and any request for money, passwords, account numbers or other confidential information – no matter where it seems to be coming from.Take StockKnow what personal information you have in your files and on your computers.Inventory all file storage and electronic equipment. Where does your company store sensitive data?Talk with your employees and outside service providers to determine who sends personal information to your business, and how it is sent.Consider all the ways you collect personal information from customers, and what kind of information you collect.Review where you keep the information you collect, and who has access to it.Scale DownKeep only what you need for your business.Use Social Security numbers only for required and lawful purposes. Don’t use SSNs as employee identifiers or customer locators.Keep customer credit card information only if you have a business need for it, and ensure stored information is in accordance with Payment Card Industry Data Security Standards (PCI-DSS).Review the forms you use to gather data — like credit applications and fill-in-the-blank web screens for potential customers — and revise them to eliminate requests for information you don’t need.Change the default settings on your software that reads customers’ credit cards. Don’t keep information you don’t need.Truncate the account information on electronically printed credit and debit card receipts you give your customers. You may include no more than the last five digits of the card number, and you must delete the card’s expiration date.Develop a written records retention policy, especially if you must keep information for business reasons or to comply with the law.Lock ItProtect the information that you keep.Put documents and other materials containing personally identifiable information in a locked room or file cabinet.Remind employees to put files away, log off their computers, and lock their file cabinets and office doors at the end of the day.Implement appropriate access controls for your building.Encrypt sensitive information if you must send it over public networks.Regularly run up-to-date anti-virus and anti-spyware programs on individual computers.Require employees to use strong passwords.Caution employees against transmitting personal information via e-mail.Create security policies for laptops used both within your office, and while traveling.Use a firewall to protect your computers and your network.Set “access controls” to allow only trusted employees with a legitimate business need to access the network.Monitor incoming Internet traffic for signs of security breaches.Check references and do background checks before hiring employees who will have access to sensitive data.Create procedures to ensure workers who leave your organization no longer have access to sensitive information.Educate employees about how to avoid phishing and phone pretexting scams.Pitch ItProperly dispose of what you no longer need.Create and implement information disposal practices.Dispose of paper records by shredding, burning, or pulverizing them.Defeat dumpster divers by encouraging your staff to separate the stuff that’s safe to trash from sensitive data that needs to be discarded with care.Make shredders available throughout the workplace, including next to the photocopier.Use wipe utility programs when disposing of old computers and portable storage devices.Give business travelers and employees who work from home a list of procedures for disposing of sensitive documents, old computers, and portable devices.Plan AheadCreate a plan for responding to security incidents.Create a plan to respond to security incidents, and designate a response team led by a senior staff person.Draft contingency plans for how your business will respond to different kinds of security incidents. Some threats may come out of left field; others — a lost laptop or a hack attack, to name just two — are unfortunate, but foreseeable.Investigate security incidents immediately.Create a list of who to notify — inside or outside your organization — in the event of a security breach.Immediately disconnect a compromised computer from the Internet.Protect yourself against fraudulent transactionsConsumers are protected in a number of ways against unauthorized electronic transactions, but it’s very important to do your part. These protections do not apply to business accounts:Report lost or stolen debit/ATM cards within two business days. If you lose your debit/ATM card (or other access device) report it immediately.By contacting your financial institution within two business days of discovering the loss, you limit your liability to $50. Waiting more than two business days to report the loss increases your liability up to $500.Important! Review your statement every month. If you find an unauthorized electronic transaction, you have 60 days to report it to your financial institution in order to limit the amount for which you are liable. If you wait more than 60 days you become liable for the unauthorized transactions. So review your statements every month and report any suspicious activity immediately.The security of your money and identity is as important to us as it is to you. Let's work together to protect it.Questions about ID Theft For BusinessIf you have questions or concerns about ID Theft For Business, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
LockboxLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Your browser does not support the video tag.Introducing Lockbox... a faster, easier way to process your company's Accounts Receivables.Lockbox, saves your business time and resources by putting your payments into the hands of Bonded Couriers. Lockbox lets you reduce or eliminate:Payment postingsBank deposit preparationDaily trips to the post office and the bankPotential for theft, fraud, and errorBest of all, with same-day processing your money goes to work for you sooner!Will my customers know that their payments are being directed to the bank for processing?No. Your customers will simply send their payments addressed to your company at a post office box controlled by us. Your customers will not have direct contact with our Lockbox staff. Your customers of course would understand, if they learned you were using Lockbox, that you are just using it as a tool to streamline your receivables.How do I direct my customers' remittances to the bank for Lockbox processing?Once your Lockbox is set up, simply direct your customers to remit future payments to your company at the post office box we will assign to you. You may also print the new address on your remittance document (coupon and/or invoice) or use return envelopes as a reminder.What types of payments are accepted?Most methods of payment, (for example, check or money order) can be processed and imaged via the Lockbox system. Credit Card Processing, however, is not an option through Lockbox.What options are available to block posting to specific customer accounts?If there are specific customers' payments you do not want us to post, simply let us know and we will flag those accounts to prevent posting. We will forward the payment to you at your request.What types of quality control systems are in place to ensure my payments are processed correctly?Quality Control is constantly at the forefront of what we do. We utilize Optical Character Recognition (OCR) technology to validate the Account Number and amount-owing information. In addition, our trained professional staff uses a double-verification balancing process to ensure accuracy. We monitor timeliness, efficiency, and quality by continually reviewing processing benchmarks.Is customer service for Lockbox provided?Customer service personnel are available during normal operating hours and have immediate access to Lockbox transaction data. They can respond quickly to any questions you might have.In what formats can I receive my reports?Reports containing your imaged receivable documents can be created in a variety of formats including PDF, Comma Delimited, Word, Excel and Open Office. These reports can be distributed to Lockbox customers via our Internet Banking system, email, fax, or FTP site access.What types of images are available?Lockbox images your payment information - including checks, money orders, payment coupons and payment envelopes - and makes the information available to you via your Lockbox reports.How many days back can I view the reports?Reports can be viewed for at least 90 days. Longer availability depends on the specifications of your particular Lockbox agreement.How do I know if Lockbox is cost effective for my business?Several factors are used to look at the feasibility of a Lockbox process for your company including the average monthly dollar volumes and number of remittances received, the primary physical location of your customer base, etc. We can help analyze your individual receivables situation to determine if Lockbox is right for you.Questions about LockboxIf you have questions or concerns about Lockbox, please contact your local branchor contact Customer Care at OK 405.341.8222 | CO 719.866.6300 | TF 1.866.262.2657 during normal banking hours.Contact us online for general inquiries using our online form. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Remote DepositLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Your browser does not support the video tag. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Helpful VideosLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit News: Helpful Videos Helpful Videos Looking for Solutions to some of your banking questions?Learn more through Helpful Videos Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
ZelleLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit News: Zelle Zelle Send and Recieve money with Zelle!Learn More Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Contactless Debit CardsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit News: Contactless Debit Card Contactless Debit Cards Card payment with just a tap!Learn More About Contactless Debit Cards Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Digital WalletLocations Contact About Careers Banking Login Personal Banking Business Banking news business personal home loans private related messaging news business personal home loans private related messaging Locations Contact About Careers Privacy ADA Compliance Updated page! Edit News: Digital Wallet Digital Wallet Digital Wallet Helpful Videos Contactless Debit Cards Zelle Now offering digital wallet: pay confidently on the go.Digital wallet options:Apple PayGoogle PaySamsung Pay Apple Pay Google Pay Samsung Pay Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Kirkpatrick Family FundLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Kirkpatrick Family Fund Kirkpatrick Family Fund The history of the Kirkpatrick Family Fund is closely aligned with the Kirkpatrick Foundation and the Oklahoma City Community Foundation. These philanthropies all benefit from the foresight and generosity of John E. and Eleanor B. Kirkpatrick; their daughter, Joan E. Kirkpatrick; and grandson, Christian Keesee. The Kirkpatrick family has established a legacy of giving that will continue to benefit future generations in central Oklahoma and the communities we support.In 1989, the Kirkpatrick Family Fund was founded by John and Eleanor Kirkpatrick and quickly became the largest affiliated fund in the Oklahoma City Community Foundation. Through the leadership of trustee and president, Christian Keesee, the Kirkpatrick Family Fund remains committed to adhering to the priorities and guiding principles of its founders.To date, the Kirkpatrick Family Fund has contributed $148.5 million through project, operating and endowment-building grants to qualified nonprofit organizations that work tirelessly to address the greatest needs in their communities.Read More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Kirkpatrick FoundationLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Edit Kirkpatrick Foundation Kirkpatrick Foundation Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Red Ridge Kirkpatrick Family Archive The Oklahoma Contemporary Art Reference Library (OCARL) Brett Weston Archive Christian Keesee Charitable Trust Fund of OCCF John and Eleanor Kirkpatrick, prominent citizens of Oklahoma City, saw a need and felt compelled to help develop the cultural and civic structures of their hometown. On May 17, 1955, Kirkpatrick Foundation was officially established with an initial contribution of $10,000 to serve as a vehicle for personal philanthropic endeavors. In the years since, Kirkpatrick Foundation has given away more than $75 million in philanthropic funding. Its approach to giving was to keep organizational structure simple, to maintain personal involvement with the charities and cultural activities of the community, and to encourage and embrace a large number of charities, rather than supporting only a few.The Tax Reform Act of 1969 and its imposed restrictions on private foundations led to a decision by John and Eleanor to create a public community foundation that could meet the charitable needs of individuals, families, companies, and organizations. Later that year, seed money in the amount of $40,000 was given by Kirkpatrick Foundation to establish the Oklahoma City Community Foundation (OCCF). Since that time, the community foundation has flourished and currently has more than 1,800 funds with assets in excess of $830 million.In 1987, Marilyn Bemis Myers joined Kirkpatrick Foundation as its first executive director. During her time with the foundation, Ms. Myers was an advocate for the community’s elderly population, helping with eldercare programming at the Mayfair Center. She also felt that learning opportunities for children were important, and she spent many hours ensuring the stabilization of nonprofit organizations including the Kirkpatrick Center (now Science Museum Oklahoma), City Arts Center (Oklahoma Contemporary Arts Center), Oklahoma Children’s Theatre, and Harn Homestead. She built a solid foundation of community relationships, fiscal accountability, and administration for Kirkpatrick Foundation.In 1994, Kirkpatrick Foundation granted $22 million in funding for the Kirkpatrick Family Fund as an affiliated fund of the Oklahoma City Community Foundation. When Marilyn Myers became the executive director of the fund—now led by Elizabeth Eickman—Susan McCalmont assumed the role of executive director at Kirkpatrick Foundation, serving until 2011.Today, executive director Louisa McCune has worked to bring the foundation “back to basics,” focusing on core values and visionary initiatives. Together with chairman Christian Keesee, the foundation’s board of trustees, and a seven-person staff, we look forward to exploring and expanding the foundation's continued impact.Each generation of the Kirkpatrick family has contributed to and influenced the focus of foundation giving. John Kirkpatrick’s stewardship, guided by a lifelong interest in science, prompted a great number of Oklahoma’s scientific and medical endeavors. Eleanor’s deep love of the arts was the reason for the establishment, encouragement, and growth of many of Oklahoma City’s beloved artistic and cultural institutions. Joan Kirkpatrick, a strong advocate for animal welfare, was responsible for much of the foundation’s contribution to animal research, welfare, and conservation. She also provided the impetus for many Kirkpatrick Foundation arts and education initiatives. Today, third-generation philanthropist Christian Keesee is leading the foundation back to its original principles of meeting the community where its needs are, while encouraging fresh ideas and new approaches.Kirkpatrick Foundation has long stood as a community partner and major philanthropic backer of Oklahoma City’s cultural, artistic, and educational institutions. Kirkpatrick Foundation distributes approximately $3 million annually in grants and charitable activities, and to date has given more than $67 million. Moving forward, the foundation will continue to strengthen and support the institutions that make Oklahoma City a great place to live and work.For more information and history of the Kirkpatrick family, please visit www.kirkpatrickfoundation.com or www.kirkpatrickfamilyarchive.com Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Kirkpatrick OilLocations Contact About Careers Banking Login Personal Banking Business Banking news business personal home loans private related messaging news business personal home loans private related messaging Locations Contact About Careers Privacy ADA Compliance Edit Kirkpatrick Oil Kirkpatrick Oil Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Red Ridge Kirkpatrick Family Archive The Oklahoma Contemporary Art Reference Library (OCARL) Brett Weston Archive Christian Keesee Charitable Trust Fund of OCCF Beginning in the 1920’s, M. B. Blake drilled his first well, thereby launching the Kirkpatrick family into oil exploration. Specifically, Kirkpatrick Oil Company was established in 1950 by John Kirkpatrick, son-in-law to M. B. Blake. Today the company is run by Chairman Christian Keesee, grandson of John Kirkpatrick.Leading a company that is well known for its exacting standards, Keesee remains diligent in continuing the legacy of steady accumulation of assets and capital, maintaining a strong balance sheet and financial flexibility, which are core components of our long-term strategy. Under his steady leadership, we remain committed to profitably finding, developing, producing, and selling oil and gas in the Mid-Continent region, as well as exploring growth opportunities there and in other focused areas. Kirkpatrick Oil Company is headquartered in Oklahoma City with a field office in Hennessey, OK.More About Us Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Mollie Spencer FarmsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit Mollie Spencer Farms Mollie Spencer Farms Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms Say hello to Spencer, the newest addition to the Mollie Spencer Farm family! Our longhorn cow, Marianne, gave birth to Spencer in January 2023, and he is already making himself at home on the farm. The Kirkpatrick Family Fund is a proud supporter of the Mollie Spencer Farm (link here: https://molliespencerfarm.org/).Mollie Spencer Farm provides educational opportunities that promote animal well-being, support regional history, and celebrate a sense of community pride in Yukon, Oklahoma.Click HERE to see the feature from "Is This a Great State or What" on Channel 4. Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
ArtDeskLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit ArtDesk ArtDesk ArtDesk is a free, quarterly publication devoted to the contemporary arts, performance, and thought. We keep readers informed by focusing on regional and national events, exhibitions, and education, promoting creative literacy and appreciation. ArtDesk debuted in October 2013, and is published by the Kirkpatrick Foundation.See More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Historic Green Mountain FallsLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit Historic Green Mountain Falls Historic Green Mountain Falls Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls The Historic Green Mountain Falls Foundation (HGMFF), a subsidiary of the Kirkpatrick Family Fund, is committed to the enhancement and preservation of the unique qualities of Green Mountain Falls and Chipita Park, Colorado. The purpose of the Foundation is to focus on historic preservation, open space, parks, trails and projects that are an integral part of this distinctive setting at the base of Pikes Peak.Learn More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Green BoxLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit Green Box Green Box Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Green Box provides exemplary visual and performing arts experiences through events anchored by our annual summer arts festival which started in 2009, along with a series of programming throughout the year, with something available every single day of the year.The seeds of Green Box began in the early 1900’s, when members of the Kirkpatrick family built a cabin in Green Mountain Falls. Fast forward to 2006, when the foundation of the Green Box Arts Festival was laid with the sponsorship by Christian Kirkpatrick Keesee of a dance residency program by Keigwin + Company under the leadership of company founder Larry Keigwin. The Green Box Arts Festival was officially launched in 2009 to provide artists and visitors with opportunities to nurture the creative process and explore new artistic directions in the natural beauty of Green Mountain Falls. Now a year-round arts organization, Green Box is integral to our community, our patrons, and the artists who work with us.Learn More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Oklahoma ContemporaryLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit Oklahoma Contemporary Oklahoma Contemporary Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Oklahoma Contemporary Arts Center, formed at the Fairgrounds in 1989 as City Arts Center by Christian Keesee and Kirkpatrick Foundation Director Marilyn Myers, is a nonprofit organization committed to providing the community with quality, accessible and affordable arts programming and education. Through corporate funding and private donations, Oklahoma Contemporary is able to educate Oklahomans through adult classes and workshops, art camps and classes for local youth, art exhibitions, lectures and additional educational programming. Oklahoma Contemporary was the recipient of the first grant ever awarded by the Kirkpatrick Family Fund and plays a key role in the development of Oklahoma City’s visual arts landscape.Learn More About Who We Are Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Red RidgeLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit Red Ridge Red Ridge Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Red Ridge A new vision is taking shape for a green space in the center of Oklahoma City. A refuge for exploration, Red Ridge will combine historic preservation and conservation with education and a direct connection to nature.Red Ridge encompasses approximately 133 acres northeast of the intersection at Northeast 50th Street and Lincoln Boulevard in Oklahoma City. It features a house designed by architect Harold Gimeno and built by Mr. and Mrs. R.J. Edwards in 1934. The residence eventually became the Oklahoma Museum of Art, a precursor to the Oklahoma City Museum of Art in downtown Oklahoma City. During its time as a private museum, Red Ridge exhibited artists such as Andrew Wyeth, Peter Hurd, Doel Reed, and the West Coast Watercolor Society. The house has been abandoned since 1990.Learn More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Kirkpatrick Family ArchiveLocations Contact About Careers Banking Login Personal Banking Business Banking news business personal home loans private related messaging news business personal home loans private related messaging Locations Contact About Careers Privacy ADA Compliance Edit Kirkpatrick Family Archive Kirkpatrick Family Archive Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Red Ridge Kirkpatrick Family Archive The Oklahoma Contemporary Art Reference Library (OCARL) Brett Weston Archive Christian Keesee Charitable Trust Fund of OCCF The Kirkpatrick Family Archive represents two hundred years of impactful history. It was started when Christian Keesee in 2002, in collaboration with the Oklahoma Historical Society through the Kirkpatrick Family Fund, began working to make his family’s story part of Oklahoma’s historical narrative. Today contributors telling this story include various professional and philanthropic organizations in addition to family members across the country and friends around the world.Learn More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
The Oklahoma Contemporary Art Reference Library (OCARL)Locations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit The Oklahoma Contemporary Art Reference Library (OCARL) The Oklahoma Contemporary Art Reference Library (OCARL) Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Red Ridge Kirkpatrick Family Archive The Oklahoma Contemporary Art Reference Library (OCARL) The Oklahoma Contemporary Art Reference Library (OCARL) is a collaboration between Metropolitan Library System, Oklahoma Contemporary Arts Center, ArtDesk magazine, Kirkpatrick Foundation and Christian Keesee, chairman of Kirkpatrick Foundation and founder of Oklahoma Contemporary.These organizations are dedicated to the support, development and enjoyment of contemporary art. By partnering together, the library system hopes Oklahoma City and County residents gain a deeper understanding of contemporary art and artists and their role in our society.Books, supplies and resources for the OCARL have been made possible by a generous grant from Kirkpatrick Foundation.The books in this collection include general overviews of art history, highlights of specific movements or areas in art, artist biographies, exhibit catalogs and art criticism. Many items are oversized and contain high-quality prints of contemporary art.Issues of ArtDesk magazine are available for free to all customers in Metro Library locations.This new collection offers a distinct point of view, while the multi-organization partnership provides Metro Library many opportunities to connect with communities around the county and help them see the role that contemporary art can play in their lives.Learn More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Brett Weston ArchiveLocations Contact About Careers Banking Login Personal Banking Business Banking business personal home loans private business personal home loans private Locations Contact About Careers Privacy ADA Compliance Updated page! Edit Brett Weston Archive Brett Weston Archive Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Red Ridge Kirkpatrick Family Archive The Oklahoma Contemporary Art Reference Library (OCARL) Brett Weston Archive One of our greatest American photographic artists, Brett Weston, seemed destined from birth to become one of the greatest American photographic artists. Born in Los Angeles in 1911, the second son of photographer Edward Weston, he had perhaps the closest artistic relationship with his famous father of all four of the Weston sons. In 1925, Edward removed Brett from school and took him to Mexico, where the thirteen year old became his father’s apprentice. Surrounded by revolutionary artists of the day, such as Tina Modotti, Frida Kahlo and Diego Rivera, and influenced as well by the striking contrast of life in Mexico, it was there that Brett first began making photographs with a small Graflex 3 1/4″ x 4 1/4″ camera.In November of 1996, Oklahoma City collector Christian Keesee acquired from the Brett Weston Estate the most complete body of Weston’s work in existence.View the Archive & Learn More Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
Christian Keesee Charitable Trust Fund of OCCFLocations Contact About Careers Banking Login Personal Banking Business Banking news business personal home loans private related messaging news business personal home loans private related messaging Locations Contact About Careers Privacy ADA Compliance Edit Christian Keesee Charitable Trust Fund of OCCF Christian Keesee Charitable Trust Fund of OCCF Kirkpatrick Family Fund Kirkpatrick Foundation Kirkpatrick Oil Mollie Spencer Farms ArtDesk Historic Green Mountain Falls Green Box Oklahoma Contemporary Red Ridge Kirkpatrick Family Archive The Oklahoma Contemporary Art Reference Library (OCARL) Brett Weston Archive Christian Keesee Charitable Trust Fund of OCCF The Oklahoma City Community Foundation helps donors make the greatest impact on the most pressing needs facing our community. Christian Keesee is the grandson of Oklahoma City Community Foundation founders, John Elson and Eleanor Blake Kirkpatrick. He also served as a trustee of the Oklahoma City Community Foundation for nine years and, in 2008, began his role as an ex officio member of the board where he began his Charitable Trust Fund which supports the OCCF by investing in ideas and leadership that contribute to and advance the cultural, intellectual, and social interests of the communities it supports. Distributions have been made to various charitable organizations in the greater Oklahoma City area and elsewhere in the U.S. to support the arts, education, animal welfare, environmental and conservation initiatives. All of this was done in support of the Oklahoma City Community Foundation, inc.Learn More About OCCF Here Open an Account Privacy ADA Compliance © 2023 Kirkpatrick Bank. All rights reserved.
ResourcesLocations Contact About Careers Banking Login Personal Banking Business Banking news business personal home loans private related messaging news business personal home loans private related messaging Locations Contact About Careers Privacy ADA Compliance Edit ResourcesDo you originate ACH Transactions and need additional resources? Resources Business Card Options Cybersecurity Lending Services Treasury Management Internet and Mobile Receivables Payables Funds Management Positive Pay Merchant Services Resources Efficiently and securely make electronic payments.Automated Clearinghouse (ACH) Resource CenterThis page contains training, information, and tools needed for originating Automated Clearinghouse (ACH) transactions.To better understand how electronic payments can enhance your business, please visit Electronic Payments sponsored by NACHA, The Electronic Payments Association. Whether looking into electronic payments for the first time or having experience originating payments, you will find a wealth of useful information, from sample direct deposit or debit forms to justify the expense of implementing ACH origination. DIRECTDEPOSIT.ORGTo better understand ACH Rules, start by creating a free Basic User account, the NACHA, where you can access the entire ACH Rules data base.NACHA RULES ONLINE 2024 NACHA QUICK REFERENCE CARDS Open an Account Privacy ADA Compliance © 2024 Kirkpatrick Bank. All rights reserved.