Ask The Expert

Beth Knorr, CTFA and Vice President/Trust Officer at our Medford branch, explains the benefits of putting together a set of directives on financial matters for worst-case scenarios, such as fatality or incapacitation.

At OPB, relationship banking means having an experienced team on your side that’s proactive and ready to provide advice at a moment’s notice, says Vicki Gray, Senior Vice President and Relationship Banking Team Leader at our Eugene branch.

It’s important to have a bank that makes lending decisions at the local level, says Joe Carmichael, Vice President and Commercial Relationship Manager at our Eugene branch.
Having a bank that has that sort of flexibility, combined with the expertise of knowing the local business climate, can be invaluable, he says.

Establishing point-of sale merchant services with OPB has major advantages, says Stacey Wilson, Client Services Specialist and Merchant Services Representative at our Coos Bay branch. In addition to ease of use, Stacey says, OPB’s merchant services are coupled with excellent customer service. If there’s ever an issue, you can call to talk to real person who will help troubleshoot. No phone tree. No runaround. We’ll even pay you a visit to problem-solve, if needed.

Owning business property has both investment and tax advantages. It also allows you to control your own destiny, says Joe Carmichael, Vice President and Commercial Relationship Manager at our Eugene branch. As a property owner, you don’t need to worry about lease terms changing. You can also leverage the property’s value should you decide to expand or move locations.

OPB welcomes veterans with open arms and is eager to help those who have served our country take advantage of a variety of veteran-specific loan benefits, says Kim Erickson, Senior Vice President and Team Leader/Residential Lending Manager at our Florence branch.

OPB can help nonprofit organizations save money with perks like interest-bearing accounts and no minimum-balance requirements. We may even be able to provide help with marketing and merchant services, says Anita Cox, Vice President and Branch Manager at our Roseburg branch.

Ryan Hartzell, an agent and consultant with Hagen Hamilton Insurance Solutions, explains how to guard against hackers when conducting online transactions. One key preventive step is to purchase cyber liability insurance to transfer risk and aid in recovery should your company become a target.

Ryan Hartzell, an agent and consultant with Hagen Hamilton Insurance Solutions, says that cyber liability insurance can not only protect your business from damage caused by hackers, but can also help provide legal protection should the damage extend to your clients.

Ryan Hartzell, an agent and consultant with Hagen Hamilton Insurance Solutions, explains the growing threat of hackers locking up company systems, then demanding payment to allow access. A good idea is to transfer the risk to an insurance company prior to an attack.

Ryan Hartzell, an agent and consultant with Hagen Hamilton Insurance Solutions, offers some advice on protecting your business from “spoofing” attacks intended to steal information by mimicking company communications.

Ryan Hartzell, an agent and consultant with Hagen Hamilton Insurance Solutions, says that if your company is victimized by hackers, time is of the essence. It’s important to contact law enforcement and your insurance company to aid in a quick recovery.