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Money & More

Life is about more than checking accounts & business loans. You need information to help you make the most of your money and get tips on how to do the things you love - we've got you covered.

MONEY TIPS

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A bank statement on a desk surrounded by a calculator, pen, mug of coffee, plant, and a small owl figurine

How to Read a Bank Statement and Better Understand Your Finances

Your bank statement may look like a long list of transactions and numbers, but it's actually one of the simplest tools you have for understanding where your money is going. Taking a few minutes to review it each month can help you catch unauthorized transactions, identify unnecessary fees, track spending and make more informed financial decisions.

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Money Market vs. High-Yield Savings Account: Which Is Right for You?

Trying to decide between a money market account and a high-yield savings account? Learn how each works, compare their features, and discover which option may be the best fit for your savings goals.

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How the FIRE Movement is Revolutionizing Financial Planning

Millennials are often wrongly considered less concerned and savvy with their finances compared to their parents and grandparents. The FIRE movement is breaking stereotypes and transforming younger generations and their financial future.

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RATE WATCH

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Older couple reviews financial documents and a laptop while comparing short- and mid-term CD options

Short-Term vs. Mid-Term CDs: Should You Choose 3, 9 or 18 Months?

A shorter-term CD gives you more opportunities to reconsider your options, while a mid-term CD locks in your rate for longer. Compare 3-, 9- and 18-month CDs to decide which term fits your timeline.

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Can You Withdraw Money From a CD Early? What It Will Cost You

Breaking a certificate of deposit before maturity is usually possible, but it often comes with an early withdrawal penalty. Learn how CD penalties work, when paying one may make financial sense and how to choose a CD term you're comfortable keeping until maturity.

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Should You Lock In Today's CD Rate for Longer? Here's How to Decide

A longer-term CD can provide certainty in an uncertain rate environment. Learn when locking in today's rate may make sense and when a shorter-term CD may be a better fit.

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TIPS FOR HOME

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Springfield OMB mortgage lenders smiling in front of a blue wall with the OMB logo and slogan

What to Look for in a Mortgage Lender

Choosing a mortgage lender is about more than finding the lowest interest rate. Mortgage loan officer Katie Bradford shares what homebuyers should look for before starting the home financing process, along with a few common mistakes she has seen during more than 20 years in the industry.

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OMB Mortgage Loan Officer Oksana K. in front of a residential neighborhood.

Why Property Taxes Matter More Than Most Homebuyers Think

Many buyers focus on mortgage rates and home prices, but property taxes can quietly reshape a monthly budget. Understanding how taxes work before buying a home can help avoid surprises later.

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Older couple smiling and carrying moving boxes

How to Know When It’s Time to Downsize Your Home

Downsizing can be both an emotional and financial transition. This guide explores why many homeowners choose to move into smaller homes, the financial benefits of reducing housing costs and practical tips for planning the move. By approaching downsizing thoughtfully, homeowners can simplify their lifestyle while strengthening their financial future.

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LIFESTYLE

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A woman sitting in the floor and sorting clothing into a donate box

Mindful Living: Reducing Clutter for a Calmer Home

A clutter-free home can do more than improve your space - it can improve your peace of mind. Discover simple, manageable ways to reduce clutter, build lasting organizational habits, and create a home that feels calm, functional, and welcoming.

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Digital Detox: How Reducing Screen Time Can Improve Your Life

In a world dominated by screens, taking time to unplug can have powerful benefits for your mental, physical, and financial well-being. A digital detox involves intentionally reducing screen time to create healthier habits and improve overall quality of life.

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A bearded man on the train looking at his phone with a cup of coffee

How to Stay Productive On-the-Go

Whether you drive, take the subway, train or bus, or just work remotely with a short commute, here are smart and realistic ways to turn that time into something that benefits your career, finances, and overall well-being.

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NEED HELP?

More help

How does mobile banking work?

How do I change or reset my online banking password?

How do I change my address?

How do I dispute a transaction?

What should I do if my debit card is lost or stolen?

What is my routing number?

OMB's routing number is 086518891.