Westernview Grand Opening Celebration
Oklahoma City, OK

December 14th, 2015

Join us for the Grand Opening Celebration of our newest location December 14th! One lucky winner will win a steak dinner for 2 from Mickey Mantle's Steakhouse & 2 Premium Thunder Seat Tickets for the New Year’s Game! There will be free refreshments and special guest appearances from the Oklahoma City Dodgers mascot Brix and City National Bank's mascot Buffalo Bill. Winner will be announced at 5:30pm! No purchase necessary. Other restrictions apply. Please view our official contest rules. We hope to see you there!

8am-6pm

City National Bank
7319 S. Western Ave. Oklahoma City, OK 73139

How to Buy a Home
10 important steps when purchasing a new home

October 2015

Buying a home is an exciting experience, but it can also be overwhelming. It will probably be the single largest investment or purchase you ever make. For that reason, you should make sure you have done your homework and are properly informed about this important decision. So, where do you start? Here are 10 important steps to follow when purchasing a new home:

Step #1: Define Your Needs
You have decided to purchase a home…what is your first step? You should define the needs you and your family have for a home. How many bedrooms do you need? How many bathrooms? Are you looking for a large or small backyard? What types of amenities would you like to use in your community? Do you want a one- or two-story home?

Whatever it is you desire, you should make a list to help facilitate the home-buying process. Write everything down. However, you must recognize that you may not be able to find a home with everything you want, or you may not be able to afford it at this time.

Step #2: Work with a Realtor
We strongly recommend you use a realtor (especially if it is your first home) to facilitate finding a home that meets your needs. Realtors have access to information you may not be able to obtain, even if you have access to the Internet. Additionally, a realtor has worked with many different clients and knows the process; he/she will know a good deal when it is out there.

Step #3: Get Pre-Qualified or Pre-Approved for a Loan
Once you have met with a realtor and you have determined the general price range to meet your needs, you should then get pre-qualified or pre-approved for a loan. A pre-qualification is a simpler process as you can do it online or over the telephone with one of our mortgage representatives. It is just a rough estimate of what you can afford to buy.

On the other hand, a pre-approval is a more in-depth process and may take a little longer; however, you will know exactly what you can afford. In most markets, pre-approved buyers are preferred as it is a way for the seller to know they have done their due diligence and are serious about closing the sale. Additionally, being pre-approved will keep you in a price range that will allow you to live within your financial means. Click here for information on our mortgage products and services.

Step #4: Home Search and Neighborhood Information
Now comes the most fun (and difficult) part of the home-buying process…finding the right home. You need to look at the city to which you would like to move, the neighborhoods available, the quality of the schools (if you have children), the distance to and from work or to and from commercial businesses (e.g., grocery stores, shopping centers, etc.), or even entertainment. You may also want to consider the demographic make-up of the community or neighborhood of interest, or the types of homes available.

Once you determine your general specifications, you should then start looking for the home that will meet your needs. In addition to using a real estate agent, you may search the Internet, drive around the city or town of your choice, go to the Chamber of Commerce, or search newspaper ads. You should look at several homes prior to making any decision. You need to make sure you make the right decision; this is too big of a purchase to be made on an impulse.

Step #5: Make an Offer
Once you find the home you would like to purchase, it is time to make an offer; this step can be EXTREMELY stressful! After consulting with your real estate agent, you will determine how much to offer the seller in a written agreement or contract. This contract is designed to protect you and the seller in the sales process. It also meets both local and national legal requirements for real estate purchases. If you have any questions during this portion of the sale, ask them; do not leave anything left unsaid.

Once you make an offer, you will receive feedback from the seller within a certain time period, which is called a “counteroffer.” A counteroffer provides you with what the seller is willing to negotiate. Keep in mind that everything in the deal is negotiable, and in most instances, your original offer will not stand as initially presented to the seller. Some things that may be negotiated are price, closing costs, landscaping, closing time period, repairs, appliances, furnishings, painting and financing.

Step #7: Coordinate with Service Providers
After you make the offer and it is accepted, your realtor will then work with various vendors to perform an inspection of the property, and then coordinate with the seller to complete any work that must be done due to the results of the inspection. You will need to coordinate with your home insurance company to provide coverage for your home. You may also want to consider additional home warranties for such things as plumbing, wiring and structural defects.

Step #8: Before Closing the Sale
The next step in the process is to meet with the representative of the escrow or settlement company you plan to use. Your lender will make sure all necessary documentation has been prepared and delivered to the appropriate location and on the appropriate date. At City National Bank, our mortgage representatives are committed to making sure your service is exceptional in this area. Your realtor will assist you in knowing how much you will need to pay at closing, who to make the check out to, and what form of payment is acceptable (e.g., personal check, cashier’s check, money order, etc.).

Step #9: Closing the Sale
Closing on a home is where the ownership of the home is legally transferred from the seller to the buyer. In most instances, you will meet at the title company’s office to sign the necessary documents. You must bring the appropriate documentation, identification and payment for the closing to go smoothly. The closing on your home should be done in one visit if you have an organized and professional realtor and mortgage lender (such as one of our mortgage representatives).

Step #10: Post-Closing the Sale
Once you have closed on the sale of your home, you will need to set up the following: electricity and/or gas, cable or satellite service, telephone service, water service, Internet service, and trash/waste service. In addition, you may need to start paying homeowner association fees, landscaping costs, or other annual taxes.

Buying a home is a big deal, but it doesn’t have to be overwhelming if you follow these 10 simple steps and keep focused on what you can afford. If you would like to learn more about our mortgage loans and other related services, please click here, or call one of our friendly representatives at 1-866-385-3444. If you prefer, you can visit any of our branch locations to learn more about our mortgage services.

MEET THE DODGERS
Del City, OK Free Dodgers Event

August 7th, 2015

Come meet the Dodgers! Stop by our Del City branch at 11 AM Friday, August 7, to meet Brix and the Dodgers! Enjoy FREE refreshments, FREE Dodger photos with autographs, as well as FREE special Limited Edition t-shirts (while supplies last) and a chance to WIN FREE TICKETS to Saturday's game! We'll see you there!

August 7th 11am

City National Bank
5401 Tinker Diagonal St
Del City, Oklahoma

FINANCIAL READINESS
Shawnee, OK Free Financial Literacy Presentation

July 14th, 2015

City National Bank is excited to host another FREE Consumer Financial Literacy Presentation to help consumers learn how to have more control over their money. Attendees can look forward to learning basic personal finance, how to manage their money and avoid costly fees, how to create a savings plan that works for them, and how to read and understand credit. There will be a door prize after the presentation and open Q&A with professional bankers.

July 14th 2015
6:00PM – 8:00PM

4801 N Harrison St. Shawnee, OK 74804
Gordon Cooper Technology Center
Room: Sky Lab 1


PROTECT YOUR FINANCES
Update your browser

June 10th, 2015

Secure your online experience by updating your browser. Browsers are a key part of keeping your online financial experience and information safe. There are a variety of security threats you can be subject to when you are browsing the Internet: identity theft, viruses, spyware, adware, phishing sites, and so much more. Browsers become more secure with each release, so don’t miss out. No matter what browser you use, make sure you have the latest version installed. Visit your preferred Internet browser provider’s website to download the most recent version.

Browsers for Microsoft operating systems:



Browsers for Mac operating systems:         



Mobile Devices


  • iOS 5.0 (Recommended 6.0 or later)
  • Android 2.3 (Recommended 4.1 or later)


OKLAHOMA, HELP US SAY THANK YOU!
CNB Military Appreciation Night with the OKC Dodgers

June 3rd - June 24th, 2015

City National Bank is proud of those who serve and have served our country. As a small token of our appreciation, we are offering one deserving winner four tickets to see the Oklahoma City Dodgers take on the Omaha Stormchasers on July 4th, with a fireworks show immediately following the game. In addition, the winner will receive the following:

  • A free VIP parking pass
  • Four vouchers for free Limited Edition OKC Dodgers travel tumblers
  • A $100 City National Bank gift card to use at the game

Help us say ‘Thank You’. Pick up a nomination form at any Oklahoma City National Bank location between June 3rd and June 24th. Complete the form to nominate any active duty or retired service member from any U.S. military branch. Only completed forms will be considered.





PUT MORE MONEY IN YOUR POCKET
MIDWEST CITY, OK Free Financial Literacy Presentation

June 10th, 2015

City National Bank is honored to host a FREE Consumer Financial Literacy Presentation to help consumers learn how to have more control over their money. Attendees can look forward to learning basic personal finance, how to manage their money and avoid costly fees, how to create a savings plan that works for them, and how to read and understand credit. There will be Free refreshments and open Q&A with professional bankers.

June 10th 2015
6:30PM – 7:30PM

Rose State College Community Learning Center
6420 SE 15th Midwest City, OK 73110
Office: 405-733-7392



FREE MOVIE IN THE PARK
Lawton, OK Parks & Rec. Department

June 5th, 2015

City National Bank is proud to sponsor Movie in the Park: Planes Fire & Rescue at Elmer Thomas Park in Lawton, OK. The event is presented by the Lawton Parks & Rec. Department and will start at 7pm with special guest appearances from the Lawton Fire Department and the Lawton Area Fun Flyers Society. Kids will learn about fire safety, meet local firefighters, and more! The Holiday in the Park will host a concession stand, and the movie will start just after sunset, approximately 8:30pm.

City National Bank is also hosting a giveaway at this years event. Prizes include a Remote Control Quadcopter, a Fire & Rescue sound & action Dusty Plane, and a Disney Planes toddler three wheeler cruiser. Participants can register to win by June 3rd at any City National Bank in Lawton, OK. The winners must be present at Movie In The Park to obtain their prize, otherwise City National Bank will draw another winner. No purchase necessary. See flyer for picture of giveaways.

For more information please call 580-581-340 or email rseaton@cityof.lawton.us



YOU COULD WIN!
Lawton, OK Take Care of Our Air Contest

June 1st, 2015 - August 31st, 2015

Clean Air Lawton in partnership with AEP-ESP is hosting their annual Take Care of Our Air Contest. The contest starts June 1st and will go until August 31st. To participate simply pick up a contest card at any participating location and through your actions to Take Care of Our Air at those locations you will receive stickers to be placed on the inside of the contest card.

What you can do to receive a sticker for your contest card:
1. Avoid idling by going inside restaurants and banks rather than using the drive-thru.
2. Buy and plant trees to help clean the air.
3. Fuel your car between 6 p.m. and 11 p.m. to avoid releasing fumes during the hot part of the day.
4. Ride the Lawton Area Transit System (LATS) instead of driving.

City National Bank is proud to offer three locations in Lawton, OK; Lawton Market Place, Lawton Main Bank, and the Lawton Gore Branch. Ask for a sticker each time you come inside (one sticker per party per visit) and when you turn your completed card in at City Hall you will be entered in a drawing for one of eight great prizes. The grand prize being a Hot Air Balloon Ride over Lawton for you and a guest!

A list of prizes and participating locations is available at www.cleanairlawton.org. No purchase necessary to win, for more information about the Take Care of Our Air contest contact the City of Lawton, Planning Division, (580) 581 3375. Official Contest Rules can be found here.


HEARTBLEED BUG
Protect Yourself

April 11, 2014

City National Bank is aware of the Heartbleed Bug, a software flaw in the programming on secure websites that could allow attackers to collect information from some encrypted Web and email servers, and is believed to impact as many as 500 million Web sites worldwide.

City National Bank continuously tests and monitors its systems, and is also working with critical business partners to ensure that their systems are secure. Currently, there is no indication of compromise.



LAWTON BANKER HONORED FOR WORK AT OBA OPERATIONS SCHOOL
February 19, 2014

Barbara Bannon, vice president/regional manager at City Natioonal Bank in Lawton has been named an "Honors Graduate" of the 2013 Oklahoma Bankers Association (OBA)Operations School.

Bannon will receive her plaque at 2:30 p.m. on Thursday, Feb. 13, at City National Bank located at 500 Montgomery Square. Jason Hensley, OBA Operations School board member, will present the award.



GOODWILL & VITA OFFER FREE INCOME TAX ASSISTANCE AT LAWTON MARKETPLACE BRANCH
February 4, 2014







TARGET CUSTOMER FRAUD Q&A
January 22, 2014

We have received information from Target that it experienced unauthorized access to its systems resulting in the compromise of credit and debit card information.

Although certain card account data may have been compromised in this incident that does not mean data related to your account was taken, or that fraud has occurred on your account. Please be assured that we are actively monitoring the activity on your account to protect you from fraud. You will be contacted if we see any activity that requires you to take any action.

In addition, please review your monthly and/or online statement carefully and call us back immediately if you see any suspicious activity. It’s also important to note that all Visa credit and debit cards are protected with Visa’s Zero Liability* policy in the rare event fraud does occur, which means you pay nothing for unauthorized purchases on your account.



THE JOURNAL RECORD - THESE WALLS: CITY NATIONAL BANK & TRUST
January 3, 2014

It had been more than 50 years since City National Bank and Trust had a free-standing building in Lawton.

In October, however, it opened a branch at Lawton Marketplace, putting a new face on the bank and on banking in general.

The building was designed by Jim Brown, princioal with Urbanadd Architecture + Design in Seattle. Brown is a native of Chickasha and his brother has a construction management company in Lawton. When the bank wanted to build the branch, it contacted his brother and asked for someone to design it.