Financial Literacy

Two customers smiling at a folder being handed to them by an OMB Bank employee.

The Basics of Interest Rates: How They Affect Loans and Savings

Interest rates may feel like just another number set by the Federal Reserve, but they ripple through nearly every aspect of personal finance.

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Choosing Your Banking Partner in Kansas City and Beyond

Kansas City has options—make sure your bank is the right one. From mobile tools to community connection, here’s how to find a financial partner that works for you.

Payments Don’t Move Without People: How Backpack and OMBX Build With a People-First Mindset

Banking as a Service is more than just payment processing and risk management. It’s about true collaboration, a financial partner that gets it, and clear and honest communication.

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How to Spot and Avoid Digital Financial Scams

Learn how to protect your money and identity from digital scams. Spot the red flags, avoid common traps and follow expert tips for banking safer online.

What’s the Key to Breaking the Debt Cycle?

Looking to break out of the seemingly never-ending cycle of debt? Financial literacy is perhaps the most powerful tool you can use to stop the debt cycle and take control of your money.

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How Much Money Should You Keep in a Checking Account?

Most people don’t think twice about their checking account—but they should. Learn how much money you really need to keep in checking (hint: it’s probably less than you think) and what to look for in an account that pulls its weight.

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Why We Buy Things We Don’t Need

Understanding why we spend money can help us make better financial decisions, reduce unnecessary purchases and take control of our finances.

A computer screen with a sticky note reading "Pay Day!" on the screen, along with an e-calendar and checklist.

How to Get Paid Early: Access Your Paycheck Faster

Waiting for payday can be frustrating, especially when bills, rent or unexpected expenses arise before your paycheck hits your account. Fortunately, there are ways to access your money sooner.

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Financial Mistakes to Avoid in Your 20’s and 30’s

Avoid financial mistakes in your 20s and 30s by building an emergency fund, maintaining good credit, investing early, and planning ahead.

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How to Set SMART Financial Goals for 2025

One proven method for effective goal setting is the SMART framework, which ensures your goals are Specific, Measurable, Achievable, Relevant and Time-bound. Here’s how to use SMART principles to set and achieve your financial targets in 2025.