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Transcript

GATEWAY FIRST BANK · One on One With a Professional

• 0:01
  Speaker 1: Good morning, good morning, good morning. Welcome, welcome, welcome. It
• 0:04
  Speaker 1: is time now for one-on-one with the pro, but it's
• 0:07
  Speaker 1: actually two-on-one today. That's okay. We have Phillip and we
• 0:10
  Speaker 1: have Kat, which is here from Gateway Bank. How we doing, kids?
• 0:13
  Speaker 2: We're doing good.
• 0:15
  Speaker 1: It's great to have youth in here. It really is. But,
• 0:19
  Speaker 1: you know, I kid because I love it. I loved
• 0:22
  Speaker 1: a kid. Gateway First Bank, you guys and gals are
• 0:26
  Speaker 1: on a roll. I mean.
• 0:28
  Speaker 3: Trying.
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  Speaker 1: I mean, you just had a nice little acquisition there
• 0:31
  Speaker 1: with a bank out of Texas.
• 0:33
  Speaker 2: Yep, we sure did.
• 0:34
  Speaker 1: And that's going to just open up doors to all
• 0:37
  Speaker 1: new different services for a lot of folks. But we've
• 0:39
  Speaker 1: got some great services that we offer worldwide. right here
• 0:42
  Speaker 1: on the retail side.
• 0:43
  Speaker 2: Yep, we sure do.
• 0:44
  Speaker 4: We've got all kinds of different checking products, savings products.
• 0:48
  Speaker 4: We're definitely trying to make sure that we can help
• 0:49
  Speaker 4: you out and charging, you know, no extra fees on
• 0:52
  Speaker 4: your accounts if we can help it. So really trying
• 0:55
  Speaker 4: to make sure that we can maintain our customers and
• 0:57
  Speaker 4: keep them happy for sure.
• 0:58
  Speaker 1: Tell us something about things that I don't know.
• 1:01
  Speaker 3: Oh, I mean, our rates are awesome. I think our
• 1:04
  Speaker 3: money market also has one of the best rates in town. Yes.
• 1:09
  Speaker 1: Awesome.
• 1:10
  Speaker 2: Um, Golly.
• 1:12
  Speaker 4: Yeah, there's a lot going on. We got all different
• 1:14
  Speaker 4: good rates that are competitive with CDs. We got competitive
• 1:17
  Speaker 4: rates with our consumer loan rates as well. So we're
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  Speaker 4: really trying to make sure that we're keeping customer focus
• 1:23
  Speaker 4: in mind.
• 1:24
  Speaker 1: Well, you know, he brought up checking, but checking has
• 1:26
  Speaker 1: changed an awful lot lately. I mean, if I wrote
• 1:29
  Speaker 1: a check today, I'd probably write the date wrong. Back
• 1:32
  Speaker 1: in 1987 on there, out of habit. But things have
• 1:37
  Speaker 1: really met where people are today. No, yeah.
• 1:41
  Speaker 3: I mean, it's changed a lot over time. We definitely
• 1:44
  Speaker 3: still have a lot of people who write checks. That's
• 1:46
  Speaker 3: still very common.
• 1:48
  Speaker 1: Yeah.
• 1:50
  Speaker 4: But it seems like we do a lot more things online,
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  Speaker 4: a lot more people are, they're using their debit cards
• 1:55
  Speaker 4: a lot more often.
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  Speaker 3: Online banking.
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  Speaker 1: Yeah, the debit card is, it's kind of like the
• 2:01
  Speaker 1: new darling. Yes. Because, you know, when you're buying your groceries,
• 2:05
  Speaker 1: it used to be, got to straighten out my sleeve,
• 2:08
  Speaker 1: got to write the check, got to log it there.
• 2:12
  Speaker 1: Everybody's going, oh, come on, please.
• 2:14
  Speaker 2: Got to make sure I'm putting the register, the whole works.
• 2:16
  Speaker 1: Yeah.
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  Speaker 3: But now you can put your card on your phone
• 2:20
  Speaker 3: and just do a tap to pay. It's so much
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  Speaker 3: faster now.
• 2:22
  Speaker 1: It is. It is. And it's amazing, too, especially when
• 2:27
  Speaker 1: you're going through the stores that don't really have cashiers anymore.
• 2:32
  Speaker 1: I got a problem with that.
• 2:34
  Speaker 2: That's a different conversation.
• 2:35
  Speaker 1: Different conversation for a different day. But you move quicker.
• 2:39
  Speaker 1: You do.
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  Speaker 4: Absolutely.
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  Speaker 2: It saves a lot of time.
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  Speaker 4: Yeah.
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  Speaker 1: And also with online banking, you can keep track of things. Oh, yeah.
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  Speaker 4: You can keep track of it in real time that way,
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  Speaker 4: so you don't have to keep up with it every
• 2:50
  Speaker 4: single day. If you don't have to, you can go
• 2:52
  Speaker 4: on your online banking whenever it's convenient for you, and
• 2:55
  Speaker 4: you just keep track of.
• 2:56
  Speaker 1: It that way. Now, you hinted at rates were really good.
• 3:00
  Speaker 1: So saving and saving and saving and saving, but it's
• 3:03
  Speaker 1: where you save that makes the difference. Correct. What's the
• 3:07
  Speaker 1: difference in Gateway? Gateway.
• 3:09
  Speaker 4: I think we just try to make sure that we keep,
• 3:11
  Speaker 4: you know, the customers, you know, top of mind with them.
• 3:14
  Speaker 4: And we try to make sure that, you know, they're
• 3:15
  Speaker 4: creating a good and healthy budget as well. We're not
• 3:18
  Speaker 4: trying to overspend on their accounts. So we try to
• 3:20
  Speaker 4: really take that one-on-one time with them.
• 3:22
  Speaker 1: Well, this is great. You know, when you talk about
• 3:25
  Speaker 1: retail banking, some folks are scratching their head, well, what
• 3:27
  Speaker 1: does that mean? You know, it's the different services.
• 3:29
  Speaker 2: That you offer.
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  Speaker 1: Stop there. Stop with checking, stop with saving. There's all
• 3:35
  Speaker 1: kinds of things going on. You mentioned the CD rights
• 3:38
  Speaker 1: and everything. Just the things that are really awesome. That
• 3:42
  Speaker 1: was big. I remember back in the late 70s, early 80s,
• 3:46
  Speaker 1: everybody was getting a certificate of deposit.
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  Speaker 4: That was the way to really try to save it.
• 3:54
  Speaker 1: Get one on. Things were kind of dicey back then.
• 3:59
  Speaker 1: Now people complain a little bit. But they weren't alive
• 4:02
  Speaker 1: back then. You don't know how good you got it, guys.
• 4:06
  Speaker 1: You didn't pay 18% on a car loan. Exactly.
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  Speaker 4: 18% on car loans, but you also got the 16%
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  Speaker 4: on CDs back then. It's basically the same thing, just
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  Speaker 4: it's a little lower now.
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  Speaker 1: Economy of scale.
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  Speaker 2: Exactly.
• 4:21
  Speaker 1: Economy of scale. Now, where can we find you? Where's
• 4:24
  Speaker 1: your bank located? Where's Gateway First?
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  Speaker 3: 422 South Dewey Avenue. We're right by, what is it,
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  Speaker 3: the RSU? Right by RSU. We're down the street from
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  Speaker 3: the library downtown.
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  Speaker 2: And we got the big mural on the side there,
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  Speaker 2: so it's nice and easy to find.
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  Speaker 1: Oh, you can't miss that. Exactly. Yeah. You know, tourists
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  Speaker 1: come by there and they get their picture taken all
• 4:44
  Speaker 1: the time there.
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  Speaker 2: Yep, they do. We've got a lot of tourists. Yeah,
• 4:47
  Speaker 2: we do.
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  Speaker 4: And they sometimes come by there and they're like, hey,
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  Speaker 4: can you guys shut the blinds just so we don't
• 4:51
  Speaker 4: get you in there every once in a while?
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  Speaker 2: And it's like, we'll try our best, but if customers
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  Speaker 2: come up, we've got to help them too.
• 4:56
  Speaker 1: Yeah, yeah, yeah. It's like, you know, we'll do it.
• 5:00
  Speaker 3: Both the mural there and then with Price Tower in
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  Speaker 3: the background, it really is a beautiful photo.
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  Speaker 2: It's a great location.
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  Speaker 1: And so if folks can't find it, they've got troubles, huh?
• 5:10
  Speaker 3: Yes.
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  Speaker 1: More trouble than I can help with. But it's always
• 5:13
  Speaker 1: great because we have friendly people like Kat and Phillip
• 5:16
  Speaker 1: that are inside and ready to help. Now, you also
• 5:20
  Speaker 1: have great mechanisms online, like I said, your website. It's
• 5:25
  Speaker 1: so easy.
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  Speaker 4: It is.
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  Speaker 2: It's just gatewayfirst.com. It's very easy.
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  Speaker 4: I can do it.
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  Speaker 1: Oh, yeah.
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  Speaker 2: Anyone can do it. With the right tools.
• 5:34
  Speaker 4: A couple years.
• 5:35
  Speaker 1: Ago, I'm like, I don't know. But you get a
• 5:38
  Speaker 1: little bit more familiar with the modern technology. But you
• 5:42
  Speaker 1: don't get lost. If you point on something and you
• 5:44
  Speaker 1: click it, it takes you there. It doesn't take you
• 5:46
  Speaker 1: to Kalamazoo, Michigan. Exactly.
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  Speaker 2: It takes you straight to the website that you're supposed
• 5:50
  Speaker 2: to be on.
• 5:51
  Speaker 1: Yeah.
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  Speaker 3: I would say even our mobile banking, I think it's
• 5:54
  Speaker 3: really customer-friendly. I've had a lot of different banking apps
• 6:00
  Speaker 3: through my life that I've tried, and they're rather confusing,
• 6:04
  Speaker 3: even for me.
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  Speaker 2: Ours is very straightforward. I really appreciate that.
• 6:08
  Speaker 1: You know, you're right. There are a variety of different
• 6:11
  Speaker 1: banking apps out there, and some of them, you want
• 6:15
  Speaker 1: to check one thing, and the next thing, you've got
• 6:17
  Speaker 1: to start all over. That's like, oh, come on. Work
• 6:23
  Speaker 1: with me.
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  Speaker 2: No kidding.
• 6:24
  Speaker 1: And yours actually works with me. It does. So, you know,
• 6:27
  Speaker 1: I like that. A little cooperation on the technical end.
• 6:30
  Speaker 2: That's right.
• 6:32
  Speaker 1: Now, you still have real people inside that will work
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  Speaker 1: with you there if you have a question, right?
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  Speaker 3: Oh, yeah.
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  Speaker 2: We got tons of people.
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  Speaker 1: Well, thank you very much. I appreciate that. Because everybody
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  Speaker 1: likes to see a friendly face. Oh, yeah. And every
• 6:45
  Speaker 1: now and then, it doesn't hurt to go into your
• 6:49
  Speaker 1: banking institution and just say howdy and let them know
• 6:54
  Speaker 1: that you've got a face. Exactly.
• 6:56
  Speaker 4: Nice to be friendly, and we want to make sure
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  Speaker 4: that we're familiar with all our customers just like they
• 7:00
  Speaker 4: want to be familiar with us.
• 7:01
  Speaker 2: So we invite them to always come in.
• 7:03
  Speaker 1: Well, you can't miss me. I kind of get a
• 7:05
  Speaker 1: little off. It's that guy.
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  Speaker 2: I hope he's back.
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  Speaker 3: Lock the doors.
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  Speaker 4: Oh, boy.
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  Speaker 1: But, no, anyway, Gateway First is a great operation, and
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  Speaker 1: we've been here for a little while here in our location,
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  Speaker 1: but for years to come. It seems like we're growing
• 7:29
  Speaker 1: all the time. This acquisition here was a little thing
• 7:31
  Speaker 1: in the news, but the That's the first of many
• 7:34
  Speaker 1: steps of growth that you're taking. It is.
• 7:36
  Speaker 4: Yeah, we've kind of just expanded to a little bit
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  Speaker 4: of a new territory, basically down in Texas a little bit.
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  Speaker 4: So we're trying to help out some of our commercial
• 7:43
  Speaker 4: customers and some consumer customers.
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  Speaker 2: That we have down there.
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  Speaker 4: So we're trying to make sure we have, you know,
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  Speaker 4: the familiar faces and stuff down there as well.
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  Speaker 1: Always like it when Oklahoma can teach Texas a little.
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  Speaker 1: It's always a good time.
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  Speaker 2: That's right.
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  Speaker 1: I don't think anybody's going to complain about that.
• 7:58
  Speaker 4: No.
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  Speaker 3: I know.
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  Speaker 4: And then we've got Red River this weekend.
• 8:00
  Speaker 2: Timing's everything. Timing's right there.
• 8:03
  Speaker 1: My heaven's sakes. Gateway First Bank, you've got to go in, folks,
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  Speaker 1: and ask around and ask about their fine products. Not
• 8:11
  Speaker 1: only their retail products, but everything else. Ask about lending,
• 8:14
  Speaker 1: commercial lending, real estate lending, looking for a vehicle. By golly,
• 8:20
  Speaker 1: they have loans available.
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  Speaker 2: We've got a bunch. Hey, I got a.
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  Speaker 1: Lot of money. They can help you. They can help
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  Speaker 1: you out real good. And it's always nice to know
• 8:31
  Speaker 1: that you've got someone in your corner, someone who's going
• 8:33
  Speaker 1: to help you out in case you have a question.
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  Speaker 1: Knowledgeable people.
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  Speaker 3: A real face.
• 8:37
  Speaker 1: Oh, yeah, indeed. And the thing is, what I like
• 8:41
  Speaker 1: is that when you walk in. And you have a question.
• 8:44
  Speaker 1: And if the teller doesn't know, they'll find someone like
• 8:47
  Speaker 1: real quick. Oh, yeah.
• 8:49
  Speaker 2: They'll even holler across the bank if they got it.
• 8:52
  Speaker 1: We're all friends. That's right. Hey, Philip.
• 8:54
  Speaker 4: Hey, Kat.
• 9:00
  Speaker 1: And we'll get solutions. It's all about finding solutions, your
• 9:05
  Speaker 1: solution to your needs, your question, and maybe help you
• 9:11
  Speaker 1: find a gateway to your solution. next path.
• 9:16
  Speaker 2: That's right.
• 9:17
  Speaker 1: In your financial well-being. And this is cool. This is cool. Now,
• 9:22
  Speaker 1: do you have a drive-thru there?
• 9:23
  Speaker 2: We do.
• 9:24
  Speaker 4: We do have a drive-thru. Got a night drop right there.
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  Speaker 4: It's on the same side of the building as the
• 9:27
  Speaker 4: mural that way. So very easy to find for everybody
• 9:30
  Speaker 4: that way.
• 9:31
  Speaker 1: Well, that is superior. And the thing is, is that
• 9:35
  Speaker 1: when we say drive-thru, folks, and I know y'all mostly
• 9:39
  Speaker 1: don't into the building that's right please don't good lord
• 9:44
  Speaker 1: sometimes they do that at the drugstore it's not that
• 9:48
  Speaker 1: way not that way no please uh but it's great
• 9:52
  Speaker 1: and it's always wonderful to have you guys come in
• 9:54
  Speaker 1: here at the first month and visit with us and
• 9:58
  Speaker 1: remind everybody that your right downtown home of the mural
• 10:02
  Speaker 1: right down there by the by the rsu and price
• 10:05
  Speaker 1: tower and everything but it's what it's inside that counts
• 10:09
  Speaker 1: and it's the extra mile that you go for your
• 10:12
  Speaker 1: your customers no no mile.
• 10:14
  Speaker 2: Is too long that's right never is what.
• 10:17
  Speaker 1: Else can you tell us about gateway this week.
• 10:20
  Speaker 4: Gateway this week let's see here besides the acquisition that
• 10:22
  Speaker 4: we did have here recently um we keep growing more
• 10:26
  Speaker 4: and more and more and so we're trying to make
• 10:28
  Speaker 4: sure that we're helping out all our customers and we're
• 10:29
  Speaker 4: trying to make sure that you know we're hitting all
• 10:32
  Speaker 4: of our um community focused needs as well so we're
• 10:35
  Speaker 4: trying to make sure that we're out there in the
• 10:37
  Speaker 4: community with everybody too.
• 10:38
  Speaker 1: Well i'll say uh yeah you i see folks with
• 10:41
  Speaker 1: the gateway gear on And I was like, well, okay,
• 10:44
  Speaker 1: that's another one. Good to see you. Nice. Wow.
• 10:48
  Speaker 2: That's right.
• 10:49
  Speaker 1: So you're making sure that everyone knows that Gateway First
• 10:51
  Speaker 1: Bank is in your neighborhood.
• 10:53
  Speaker 2: That's right.
• 10:54
  Speaker 1: We are local. We do take care of our local people.
• 10:58
  Speaker 1: And it would be a real good idea if you
• 11:00
  Speaker 1: dropped inside, just said howdy, and to ask a few questions.
• 11:04
  Speaker 2: That's right.
• 11:04
  Speaker 1: Please do. All right. Hey, anything else that we haven't
• 11:07
  Speaker 1: touched on?
• 11:09
  Speaker 2: I don't think so. I think we kind of touched
• 11:10
  Speaker 2: on everything, so I appreciate the time.
• 11:12
  Speaker 1: We touched on a few things twice.
• 11:13
  Speaker 2: That's right.
• 11:15
  Speaker 1: Well, Kat and Phillip, I want to thank you both
• 11:17
  Speaker 1: for coming in. All right. Take good care of everybody
• 11:20
  Speaker 1: that comes by to visit you today because we're going
• 11:22
  Speaker 1: to send a bunch down, okay?
• 11:23
  Speaker 2: That's right. We'll take them. All right.
• 11:27
  Speaker 1: Folks, you've been watching and listening to our one-on-one with
• 11:30
  Speaker 1: the pro with Gateway First Bank right here on K1,
• 11:33
  Speaker 1: the one you trust.