On Device Enrollment – iPhone / Android

BOC’s iPhone App

Connecting with Bank of Commerce on your smartphone just got super easy with the new Bank of Commerce “On Device Enrollment” for our iPhone and Android apps!

As long as you are setup with online banking…mobile banking from your smartphone is super easy.  Call or come by today and we’ll help you get this simple process started! Our BOC bankers are ready to help you create your own personal “Access ID”.  This allows you to log in to your accounts on your laptop and via your smartphone.

Simply login and you’ll have access to account information, ability to transfer of funds,  and many other great tools!

Download our app here…iOS or Android.

Check out this video to see how easy it is!

Internet Banking Safety Tips

Bank of Commerce

If you are reading this (online) then you have likely purchased merchandise over the internet or transacted some kind of business online.  And while we know everyone uses excellent safety precautions, it’s always good to be reminded of a few great tips when buying online.

Check out these simple reminders from Bank of Commerce!

Click to read!

HAPPY FOURTH OF JULY!

There are many holidays we  enjoy…but the FOURTH of JULY is at the top of the list!

Why…you might ask?

What other holiday can you eat incredible food, desserts (including homemade ice cream) and then at dusk shoot off fireworks (or at least go see incredible displays)?  Exactly…there’s not another holiday like it!

Seriously though, like everyone else, we enjoy being with our families, eating at picnics, spitting watermelon seeds and (of course) watching fireworks.  We look forward to all of these things…just like the great customers we serve!

We hope you and your family are able to celebrate the many freedoms we enjoy as US citizens and to relish the time we are afforded with our families!

Have a great fourth of July!

Freedom has its life in the hearts, the actions,
the spirit of men and so it must be daily earned
and refreshed – else like a flower cut from its
life-giving roots, it will wither and die.
~Dwight D. Eisenhower

Buying a home?

OH NO!!! MY CARD WAS COMPROMISED!

It’s very frustrating!

It always happens when you least expect it.

It creates a lot of concern and can be very frustrating.

Here are a few things to know if you receive a phone call from the bank informing you that your debit card has been compromised. (Or if you contact us that your card has been lost, stolen or compromised.)

1. THERE IS NO NEED TO PANIC: If your bank contacts you to let you know your card has been compromised…there is no need to panic. They are aware of the situation and are already taking steps to protect you and your account.  If you notice a discrepancy in your account, contact us immediately so we can begin to take steps to protect you.
2. YOUR BANK WILL TURN OFF REGULAR DEBIT CARD USE: One of the first actions the bank will take in these circumstances is to turn off regular debit card use but (in some cases) will still allow regular ATM withdrawals (using a PIN).
3. YOU’RE NOT LIABLE FOR PURCHASES IF YOUR CARD IS COMPROMISED: Many people get concerned that they are responsible for all the charges that “hit” their account if their card is compromised. In a normal card compromise situation a customer will not be liable (“zero liability”) for purchases made during this time frame. However, you must always report any activity you consider fraudulent or unauthorized immediately to the bank and to the authorities. In some cases it may be wise to file a police report.
4. YOUR BANK WILL ISSUE YOU NEW DEBIT CARDS: Once all parties are notified about a compromise one of the actions taken is to begin the process of issuing
   

   Instant Issue Machine

   new cards for all those affected. Bank of Commerce is fortunate to have “instant issue” debit card technology on premises. This allows us to make cards at our bank within a few hours which is a real bonus for customers. At other banks this process can take 7-10 business days.

5. YOUR BANK IS NOT THE PROBLEM: Many people might think that it’s the bank that had a breach or enabled the compromise somehow. The reality is that the risk of a card being compromised lies at ANY location where you swipe your debit/credit card. Thieves use skimmers and other devices to obtain card information.  Remember, when it all comes to pass, your bank (almost always) loses money when a card is compromised. Not the retailer, not the customer, etc. Your banker is your friend.
6. REVIEW YOUR ACCOUNTS ONLINE: Even though all parties may believe the compromise is under control it is very important to monitor your accounts online for a re-occurrence. Banks recommend customers review activity from the time an account is established to be aware of any unusual activity they might spot. Report any discrepancy to the bank as soon as you notice it. The key thing to remember…we all save money if we keep a watchful eye!
7. THE FUTURE IS BRIGHTER: Have you noticed the new keypads at retailers
   

   EMV Card

   lately? By late 2015 the US will begin to introduce “EMV cards”. These cards come with a special micro-processor CHIP and specific PIN to “thwart the most common ways thieves clone cards and steal data. While theft due to compromise won’t disappear, it will greatly reduce it.

We hope this information sheds some light on the issue of debit card fraud. It is a big issue that is generating much concern in financial institutions around the world.  The banks main focus  is protecting you from fraudulent financial loss and has your financial security as our number one priority.  The good news…the future does look a little brighter with the advent of EMV cards on the horizon.

Always remember to be diligent with your accounts, your debit/credit cards, places you swipe your debit/credit card and always communicate with your banker! (They’re your friend..)

If your card is compromised…do not hesitate.. CALL and alert us or EMAIL us so we can begin the process of stopping debit card fraud!

Yukon and El Reno Take Honors!

FCMA’s 37th Annual Awards Luncheon

CONGRATULATIONS!!!

Frontier Country Marketing Association celebrated its 37th Annual Meeting and Awards Luncheon on June 12th at Express Ranch Clydesdale Barn in Yukon, OK.

Many communities throughout Central Oklahoma received awards, honors and other accolades for efforts related to tourism!  Yukon and El Reno were both winners for their tourism efforts and they are well deserved!

Here is a list of awards and other honors for these two great communities:

• Outstanding Event: Sounds of the Season – City of Yukon
• Outstanding Event Honorable Mention: Yukon’s Freedom Festival – City of Yukon
• Outstanding New Attraction or Event Honorable Mention: United States Air Force Band Concert – City of Yukon
• Outstanding Children’s Attraction or Event Honorable Mention: Kids Trout Fish Out – City of Yukon
• Outstanding Food Festival Honorable Mention: Yukon Chocolate Festival “Affair Extraordinaire” – City of Yukon 
  

  Yukon Chamber Exec Team

• Outstanding Tourism Community (population over 20,000) TIE: Visit Stillwater and the City of Yukon
• Outstanding Tourism Community (population under 20,000): El Reno Convention & Visitors Bureau
• Kinlee Farris, Yukon Chamber of Commerce CEO, chosen as the President-Elect of the Frontier Country Marketing Association

Bank of Commerce is proud to serve these great communities and we know there are many more rewards ahead.  Congratulations to each of these fine communities!!

**Frontier Country Marketing Association, a 501-c6 organization, promotes the economic growth of the tourism industry in the 12 central counties of Oklahoma. For more information about FCMA or to request free travel guides and brochures, get coupons and see a full calendar of events for central Oklahoma, visit http://www.oktourism.com or call (405) 232-6552.

See more pictures of Central Oklahoma FCMA luncheon event HERE.

Rising Rates Impact on Housing

The big discussion in and around banks recently has been all about the future movement of interest rates.   Ok, truth be known, that’s been the discussion in and around banks since the beginning of time!  Today, let’s zero in on the recent appearance of rising mortgage rates.

We know interest rates will eventually change. Based on where they are today…the next change will be upward.  Then what?

The million dollar question(s)…

• Will the economy falter if (and when) this happens?
• Will the housing market collapse if this happens?
• Another stock market crash?

All good questions…but let’s just look at housing and mortgage rates.  HERE (and below) is Freddie Mac’s Deputy Chief Economist on the topic!

2015 Mortgage Interest Rate Outlook…

Have you purchased or refinanced a home in the last few years?  If so, you’ve benefited from some of the most attractive long-term mortgage rates we’ve seen in many years!

The good news is that you still have time to obtain great long-term mortgage rates for (certainly) 2015.  While there is no guaranty of what long-term mortgage rates will do going forward…this FreddieMac Deputy Chief Economist provides a good estimate of where rates might end up for the remainder of the year.

We invite you to stop by any Bank of Commerce office and let us help you determine if a refinance is right for you!

Bank of Commerce!

DEBIT CARD FRAUD

Bank of Commerce has recently experienced an increase in debit card fraud reports and we have been in contact with other financial institutions in Canadian County regarding this uptick.  At this time It appears the occurrences may have originated through the use of  skimmers on “pay at the pump terminals” in and around central Canadian County.

Please remember it is critical to monitor your account activity daily either online using internet banking (LOGIN here) or via our iphone/android Bank of Commerce app.  You can find the login screen and links for either app on our website.

If you ever sense something is wrong with your account or if your debit card has been comprised, lost or stolen – IMMEDIATELY CONTACT YOUR BANK.  Time is of the essence.

Read this article on “11 ways to protect against debit card fraud” and review other valuable information about protecting yourself on our website.

A great tool to sign up for is Bank of Commerce MOBILE TEXT ALERTS!  Mobile Text alerts are useful in that they send a text message to your mobile phone each time the linked debit card / account  is used to purchase an item.  You’ll know very quickly when your debit card is used.

Call or come by one of our Bank of Commerce offices today and let us help you avoid debit card fraud!

Happy New Year from BOC!

Web Browser Security Update

A change is coming to your browser (Explorer, Firefox, Chrome, etc) and your ability to connect with secure websites (using “SSL“) in the very near future that you need to be aware of.  We anticipate this will be a non-event for most everyone since all financial institutions and other retailers that utilize a secure connection to process transactions will be impacted and they will take steps to inform and make changes too. Nonetheless, we wanted to inform you.

Starting as early as December 1, 2014 you will need to verify you are using the latest version of your browser, regardless of which one you use. Technical departments around the country have determined there is a slight vulnerability in the browsers we use daily and they are choosing to disable the ability to use older versions.  We are urging all Bank of Commerce customers to verify their browser now and update if necessary.

The fix is very easy and can be completed in a few easy steps. 1) Verify browser version, 2) if you need to update, follow their instructions.

1) Verify you are using the most recent version of the browser. Use the link below on the picture to verify you are using the most recent version. If you are using the most recent version, you are current and can stop at #1. If not, proceed to #2.

2) Follow the instructions on the browsers verification page to update your browser if necessary. If you are not up to date with the most recent version of your browser, the browser link you select will provide you with the necessary steps to do so. Remember, only click to upload the same browser you are currently using.

If you have specific questions regarding browser updates and technical online banking questions, please contact our Internet Banking Help Desk at (855) 870-5064. You can also email Bank of Commerce HERE.

Helpful Browser Update Links:
Internet Explorer (Microsoft)
Firefox
Google Chrome
Verify Your Browser HERE

Help Local Kids This Christmas!

Interested in helping kids in Canadian County this Christmas??

There are lots of ways to help people out during the upcoming holidays and one great option is Santa’s Toy Shoppe in Canadian County.

All Bank of Commerce offices are drop-off locations for Santa’s Toy Shoppe and if you’d like to help we’d love to see you in the bank soon!

Join our employees in providing many children in Canadian County a Merry Christmas by donating to this good cause.

How can you help?
Bring an unwrapped toy for children ages 0-15 to any of our four branches until December 10th. We will make sure your donation is delivered to Santa’s Toy Shoppe and brightens a child’s Christmas this year!

If you have questions please feel free to stop by or contact us HERE and let us know how we can help!  We will be sharing other causes that can use your support this Thanksgiving and Christmas season in the near future.

#bocisthankful4u