On the Go? We Can Help!

On the go? We can save you time! With just a few simple steps, Online Banking at VCNB can save you time during this busy holiday season. You ask how? Here are just a few things you can do online that will help!

Schedule Bill Payment
Who has time to write checks, search for a parking space at the post office and then stand in line for stamps? By using Online Bill Pay, you Couple on computercan pay all your bills without checks or stamps. Just enter some basic information about your account with the business you are paying and we take care of the rest. You can schedule payments either for one time or for automatic payment. While you’re at it, get a jump on 2015 by scheduling bills for payment in January. Done and done.

 
Be a Payback Hero
If you have Online Bill Pay, you also have Popmoney ®. This personal payment service allows you to send and receive money with the same ease as sending an email or text message. All you need is the recipient’s email address or mobile phone number to send them funds from your VCNB Online Account. The cost is .50 per transaction, making Popmoney cheaper than writing and mailing a check to someone. With Popmoney you can payback a friend or relative or even send monetary gifts to loved ones far from home this season.

Transfer Funds
We welcome you to visit the bank as often as you like but we understand that folks are busy. If you just need to transfer funds from one account to another, you can take care of that through Online Banking. It’s as easy as 1-2-3. When you log in to Online Banking, just look for the Transfers tab.

Check Balances
While you’re logged in, check your balances and activity. Contact Customer Service immediately if you believe there are fraudulent charges on your account. And of course, make sure you really have the money you think you should have. After all, being one of Santa’s elves can be expensive and it’s easy to lose track of what you are spending.

If you are not internet savvy or are on the go, remember that our Telebanc telephone service is available 24 hours a day. Call 1-800-317-5990 to check your balances, review account activity, transfer funds and make payments. It’s easy to use and free!

This is a busy time of year. Trim the trouble of banking from your list and just enjoy the season!

Have High Deductible Insurance? Our HSA Can Help!

Are you familiar with the Health Savings Account or HSA? Many Americans could benefit from this type of savings account but are unaware that the option exists.

An HSA is a tax favored savings account used to pay for medical expenses. This account was created specifically to help individuals and families who have high deductible health insurance plans be able to save money for qualified medical expenses.

Financial healthVCNB offers an HSA that is both affordable and easy to use, according to VCNB Senior Vice President Jane Nickels. Nickels said that to be eligible for an HSA in 2015, you must have an annual deductible of $1,300 for an individual and $2,600 for a family and must not be on Medicare.

She said that contributions, up to a limit, are tax deductible and withdrawals to pay qualified medical expenses are never taxed. The money you deposit into your HSA rolls over from year to year and continues to grow tax deferred.

The funds in your HSA can be used for qualified medical expenses for any family member who you claim on your taxes. Qualified medical expenses are defined by the Internal Revenue Tax Code. You can read the list of qualified medical, dental and vision expenses here.

Remember that any funds you withdraw for non-qualified medical expenses will be taxed at your income tax rate plus 20 percent tax penalty unless the funds are withdrawn for death, disability or after age 65.

Nickels explained some of the reasons customers like the HSA. “There are many, many reasons people like their HSA but they are becoming increasingly popular because of the rise in health care costs and changes in their insurance plans,” Nickels said.

She indicated that many younger people use their HSA to save for old age. “Because the money will roll over every year, a lot of young people see it as a tax free way to save for retirement. If you are healthy and don’t have many medical expenses, the savings can continue to accumulate until the time you need the money whether it be for medical expenses or for something else after you reach 65.

At VCNB, our Health Savings Accounts include a debit card, one box of free checks, a monthly statement, online access and interest checking with tiered rates. If you request a monthly paper statement, there is a $3 monthly fee. There is no fee if you accept electronic statements.

If you think an HSA would make your life better, contact your local branch or call 1-800-542-5004 to learn more or to get started. Click here to visit our Online Learning Center to view a video about our HSA.

10,000 Reward Points and Your New Favorite Card

Looking for a new “front of the wallet” card?
You know what we mean.
That card you use so much that it is always in front of everything else in your wallet, easy to find and more used than all the others combined.

We are so confident that our Visa ® Platinum Credit Card will be your new favorite credit card, we will give you 10,000 free reward points just for trying the card.

Why are we so confident you will like this card? In addition to the great local service that comes from VCNB credit cards, you will also receive reward points for every dollar you spend with your Visa Platinum Credit Card.

Now through February 28, 2015, every new credit card customer who opens a new Visa Platinum Credit Card will receive a 10,000 reward point bonus. Reward points can be redeemed for a number of great items including gift cards, travel and thousands of neat products.

Your bonus will be added to the account within the first few days of the month after the credit card is opened.

Contact your local office today to get started. To learn more about the Platinum Card and this promotion, click here.

UChoose Rewards® points have no cash value. Credit restrictions apply. VCNB is Member FDIC.

 

 

 

VCNB Celebrates Christmas

Have you been good all year? As children young and old alike can tell you, Santa knows! And he’s keeping a list of all the naughty and nice boys and girls across the world. Every December 4 is celebrated as “Santa’s List Day” and in honor, we decided to compile a list of some fun holiday activities we are involved with this year.

Kingston and Kileigh, the children of VCNB employee Austin Rohr enjoyed meeting Santa at the bank last December. Bring your kids to meet Santa at our Friendly Bremen locations this month!

Kingston and Kileigh, the children of VCNB employee Austin Rohr enjoyed meeting Santa at the bank last December. Bring your kids to meet Santa at our Friendly Bremen locations this month!

Santa Visit
Lancaster 3 – 5 p.m. Friday, December 5
Santa Claus is coming to town!  Santa will be visiting with the good little boys and girls at our W. Fair Ave., Friendly Bremen Banking Center from 3pm-5pm.  Come say hello to the jolly old elf himself!

Santa Parade
Logan 2 p.m. Saturday December 6
Help us welcome Santa to the Hocking Hills with this huge annual event! Our employees at the Hocking Hills Banking Center are always excited to take part in this parade which starts at the Hocking County Fairgrounds and ends at the Tractor Supply parking lot. Santa arrives at the end of the parade and the downtown lights are lit at that time.

Christmas in Downtown
McArthur 3 – 6 p.m.  Saturday December 6
We are thrilled to participate in the tenth annual Christmas in Downtown! This event, sponsored by the Vinton County Chamber of Commerce, features door prizes, crafts for the kids, horse drawn wagon rides, inflatables, music, food specials, vendors, a parade and more! There will also be a number of fundraisers for local non-profits including Shepherd’s House, churches and the fire departments. VCNB will host activities in our Customer Service Center which ordinarily is not open to the public. We will have a craft for the kids, a tropical snack, lots of fun tropical decorations and a door prize! Also, be sure to look for Santa who always arrives in town during the parade!

Santa Visit
Lancaster 3- 5 p.m. Friday, December 12
Santa Claus will return to Lancaster today to visit our Friendly Bremen Banking Center at 521 E. Main St. Come say hello to old St. Nick!

Santa Visit
Bremen, 3- 5 p.m. Friday, December 19
Santa must love the Friendly Bremen Banking Center because he is spending another Friday afternoon with us – this time in Bremen! Stop by and tell him your Christmas wishes!

Santa Visit
Pataskala, 10 a.m. to Noon Saturday, December 20
There is one last chance to visit with Kris Kringle at the Friendly Bremen Banking Center this year. Today he will be at 700 Corylus Dr., Pataskala. Stop by to meet Santa and tell him your most important Christmas wishes!

 

Thanksgiving Reflections

Thursday is Thanksgiving and here at VCNB we are preparing to be closed for the holiday. All of our seventeen locations, including Customer Service, will be closed so our employees may celebrate the holiday with their families.

 As we contemplate the holiday and its meaning, we wanted to share with you a few quotes about Thanksgiving and gratitude. Plus there’s one at the end from the great Johnny Carson to make you laugh!

From all of us at VCNB, we wish you a safe and Happy Thanksgiving. After being closed for the Thanksgiving holiday Thursday, we will resume regular business hours Friday.

Enjoy!

New England Fall Color“Make it a habit to tell people thank you. To express your appreciation, sincerely and without the expectation of anything in return. Truly appreciate those around you, and you’ll soon find many others around you. Truly appreciate life, and you’ll find that you have more of it.”  — Ralph Marston

 

“If a fellow isn’t thankful for what he’s got, he isn’t likely to be thankful for what he’s going to get.” — Frank W. Clark

 

“When I started counting my blessings, my whole life turned around.” — Willie Nelson

 

“Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough.” — Oprah Winfrey

 

“Gratitude can transform common days into Thanksgiving, turn routine jobs into joy, and change ordinary opportunities into blessings.” — William Arthur Ward

 

Autumn Leaves“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” —  John Fitzgerald Kennedy

 

“An optimist is a person who starts a new diet on Thanksgiving Day.” — Irv Kupcinet

 

“Give thanks for unknown blessings already on their way.” —  Native American Saying

 

“Not what we say about our blessings, but how we use them, is the true measure of our thanksgiving.” — W.T. Purkiser

 

“Thanksgiving is an emotional holiday. People travel thousands of miles to be with people they only see once a year. And then discover once a year is way too often.” —Johnny Carson

 

 

Welcome Citizens Bank of Ashville Customers!

The VCNB financial family is growing! We are excited to welcome the customers and employees of The Citizens Bank of Ashville to VCNB.

VCNB and Community Bancshares, Inc. have announced the completed acquisition of The Citizens Bank of Ashville, effective the close of business on Friday.

The offices, located in Ashville, Circleville, Grove City and Commercial Point, enlarge the VCNB footprint and provide VCNB customers a total of seventeen locations for their banking needs. When they opened today, the Ashville, Circleville and Commercial Point branches began operations as Pickaway County Banking Center. The Grove City location now operates as Franklin County Banking Center.

As our family grows, we have been reflective about our origins and the core values that make us who we are.

We were founded in McArthur, Ohio in 1867. As a community bank, we take pride in adopting community identities everywhere we do business. This is evidenced in a variety of ways, starting with the names of our local branches and extending through community support initiatives and substantial employee volunteerism efforts.

Because we are a community bank, decisions are made locally. The loan officers, tellers and new accounts representatives you interact with daily live in your community and have a stake in the wellbeing, not just of the bank but of the people and towns where we do business. Our Customer Service Department is located in McArthur and the people you reach by phone or by online chat are invested in giving great customer service.

In short, we love our communities!

As you may imagine, there is a lot of work and detail involved in acquiring a bank and bringing those customers and employees into the VCNB family. That’s why we have created a Welcome Guide to help our new customers through the process.

If you are a new VCNB customer, WELCOME ABOARD! We are excited to have you with us and eager to get to know you. For the most part, the employees you are accustomed to seeing in your local offices haven’t changed. We may make some physical changes in the offices but you will receive the same great service you are accustomed to and deserve.

For now, our new Citizens customers will be able to bank and receive customer service assistance just in Ashville, Grove City, Commercial Point and Circleville. Starting on January 20, 2015, you will be able to bank at any of our seventeen locations.

You will be also hearing from us more over the next few months and hope you will feel welcome to contact us if you have questions.

Our existing customers can begin banking in the new locations today. We now have seventeen offices in Vinton, Ross, Hocking, Fairfield, Licking, Pickaway and Franklin counties.

Do you have questions? We would love to hear from you! Remember, following this blog is a great way to keep up with VCNB news. You can also follow us on Facebook and Linkedin. Check our website for updates as well.

 

 

 

Community Bancshares, Inc. and Vinton County National Bank Complete Acquisition of The Citizens Bank of Ashville

Thomas D. Will, Chairman of Community Bancshares, Inc. and its principal subsidiary Vinton County National Bank, announced that the acquisition of The Citizens Bank of Ashville, Ashville, Ohio, was completed effective at the close of business on Friday November 14, 2014. The Ashville, Circleville, Grove City and Commercial Point offices of The Citizens Bank of Ashville have become branches of Vinton County National Bank (VCNB).

VCNB_V_CMYKWill said he is pleased the transaction is complete and is eager to welcome the employees and customers of Citizens to the VCNB family. “We are very pleased that we have completed our transaction with The Citizens Bank of Ashville. We appreciate the efforts put forth by the officers, employees and board members at Citizens to help facilitate the transaction and we look forward to continuing to serve the communities that have been served by Citizens,” he said.

Founded in 1867, VCNB is a community bank that takes pride in adopting community identities everywhere they do business. The Ashville, Circleville and Commercial Point offices will operate under the name Pickaway County Banking Center. The Grove City office will be called Franklin County Banking Center. VCNB is known for lending community support and for substantial volunteerism efforts among employees. Will indicated that employees in the new offices are eager to adopt this VCNB spirit.

Community Bancshares, Inc. is a bank holding company headquartered in McArthur, Ohio, with total assets after the merger of approximately $870 million and shareholders’ equity of $100 million. Vinton County National Bank now operates 17 offices in Vinton, Ross, Hocking, Fairfield, Licking, Pickaway and Franklin counties.

Embracing Holiday Charities

One of the things VCNB employees love most about the holidays is the charitable work that we do during this season of giving. Each of our offices embraces a local charity, something important to their community, every year at about this time.

Several of our branches are currently accepting monetary donations for local food pantries. In addition to accepting donations from customers and the public, the bank is also contributing. These monetary donations to our local food pantries not only stay in the community but feed a large number of our neighbors as well.

Customers can donate toys to Hocking County Children's Services by bringing an unwrapped toy to the Hocking Hills Banking Center.

Customers can make a child’s Christmas bright by bringing an unwrapped toy to our Hocking Hills Banking Center.

Some of our branches are focused on projects that relate to kids in the communities. For example, our branches in Wilkesville and Laurelville are accepting donations for their local Project Backpack programs.

Project Backpack sends non-perishable foods home with kids for the weekend. Things like apple sauce, microwavable soups, granola bars and pudding cups are popular donation items. You can either donate non-perishable food items or cash for this great cause. Our employees in these branches have been avid supporters of Project Backpack for many years and we are proud of the work they have done to support this much needed program.

Our Logan office is helping make Christmas brighter for kids in Hocking County by collecting toys for Hocking County Children’s Services. If you stop by that office, you will see a Christmas tree decked out in toys. Those toys along with others will be donated for the Children’s Services holiday program. While the bank is donating, and several of our employees have donated toys, the public is also invited to bring in unwrapped toys.

Our McArthur office embraces the holiday by raising money throughout the year to buy gifts for kids in need. That office adopts families through the Helping Hands project at Jobs and Family Services (JFS) in Vinton County. Employees participate in year round fundraisers and look forward to adopting families.

When JFS announced this year that it can no longer offer Helping Hands, a new group called Operation Christmas Presence formed to take its place. The staff in McArthur has signed on to help this new organization bring Christmas to approximately 200 local children. Monetary donations can be made to the Operation Christmas Presence account at VCNB.

By adopting families and helping to raise additional funds through various avenues, the McArthur office is excited to be part of this new community venture.

Want to get involved? Stop by your local branch to find out how you can become involved in VCNB holiday giving this year.