Small Business Spotlight: Ashville Apothecary

We understand that being a small business owner is tough. That’s why we plan to spotlight a different business each month to help you learn about unique businesses in your own back yard.

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Like Family. That’s how you’ll be treated when you are in the Ashville Apothecary. The family owned and operated business has a reputation for personal service that can only be found in a hometown apothecary.

Bob and Melissa Mabe opened the store in 1979 and have grown the business to two locations since. They pride themselves on serving customers by name and that service is what has kept families as patrons for generations. Bob is a 1971 graduate of Ohio Northern University and acts as the chief compounding pharmacist and Melissa runs the retail side of the store. Their son Stephen is also a graduate of Ohio Northern University and works alongside his parents as a staff pharmacist while he learns the family business.

Located on State Route 752 in Ashville, the Ashville Apothecary is a unique combination of retail store and service provider. Cards, gifts, medical supplies and over-the-counter medications are just a few of the products available in the state-of-the-art new facility the Mabes moved their business to in 2014.

Entering the building you notice an open atmosphere, clean stocked shelves, and a welcoming pharmacy counter. A beautiful stained glass door and display window on the left wall leads to a unique feature: a pharmacy museum. The museum contains artifacts collected by the Mabes over the years. Bottles, records, and medical relics that fill the museum shelves date back to the Civil War.

The Ashville Apothecary offers many services beyond filling your prescriptions. They specialize in medication therapy management and the synchronization of medications. This means that they go the extra mile to set up multiple prescription refills to be filled at the same time, saving you multiple trips to the store. Immunizations are available in store as well as veterinarian compounding, and specialty compounded products.

For more information on the Ashville Apothecary, visit their website or find them on Facebook.

Why We’re Thankful: Part Three

Someone once said “When you are thankful for the little things, somehow they no longer seem so little.” In that spirit, we are asking our employees what they’re thankful for this Thanksgiving week. This is our third and final installment of this series.

When Natalie Nutter considers what she’s thankful for, her thoughts are of the people in her life. The Branch Manager of our Friendly Bremen Banking Center in Bremen says that all she holds dear can be found in her family and friends.

Family is everything to Natalie Nutter. Pictured here are her kids Christopher and Crew.

Family is everything to Natalie Nutter. Pictured here are her kids Christopher and Crew.

“My two children and my husband are my world. We’re all in good health and I’m able to come to work each day and provide for our family,” Nutter explained thoughtfully. “I feel like everything relates to family. We have a close extended family and good friends. Everyone lives in close proximity and we get together and just enjoy each other.”

She went on to describe her parents who she says are good role models. “I don’t know how they can be so perfect. They are good role models as parents and they have been the best role models for life, marriage, love, parenting, friendship… they’re amazing. They’re good people and I can’t imagine a better start in life,” Nutter said.

When it comes down to it, Nutter is most grateful for the simple things that most take for granted. “I feel grateful for the basic things. There are people who are starving and I have plenty to eat. On Thanksgiving, I’ll eat two big meals while a lot of people will have none,” she reflected. “The world is in crisis but I don’t have to worry about sending my kids outside. These basic things are provided freely and I’m so, so grateful to those fighting for these things while we enjoy Thanksgiving at home.”

This life view was made clearer than ever after a recent car accident. “It really helped put things in perspective. It’s the people, not the things that matter,” Nutter explained. “I’m a sap but I’m just so grateful for all I have and for the amazing people in my life.”


Why We’re Thankful: Part Two

Norman Vincent Peale said that “the more you practice the art of thankfulness, the more you have to be thankful for.” In that spirit, we are asking our employees what they’re thankful for this Thanksgiving week. We are featuring some of their responses before Thanksgiving. Here’s the second one.

Ben Reynolds believes with all his heart that he is a blessed man. A Commercial Lender for our Pickaway County Banking Center in Circleville, Reynolds says that he and his family have a lot to be thankful for this Thanksgiving.

He is a newlywed. In October he married Heather, his sweetheart of eight years. Together, they have six grown children. Their two youngest kids are in college while their oldest recently graduated medical school and is training to be a cardiologist. One daughter has a successful career in banking while another was married last year. One daughter has struggled with health issues this year but seems to be stable and is hopeful for the future.

“I am blessed to have a loving, wonderful family, kids who are doing well, five beautiful grandchildren and a new wife. I’m just thankful that I’m healthy and that everyone in my family is fine,” Reynolds said. “Really, I could go on and on about all the things that I’m thankful for this year.”

He confessed there is one more member of the family that he is thankful for every day. She’s a two year old ball of fur named Izzy who makes Reynolds smile. “She always makes my day,” he explained with a laugh.

While family is most important to Reynolds, he observed that there are more things that that are also vital to his livelihood and well being. “I’m thankful for a good job and people to work with. I’m thankful and fortunate to live in this country and for the veterans who have sacrificed for us,” he said. “More than anything, I’m grateful for the life I have and for my relationship with God. I am a Christian and God has provided for me and my family. I have a lot to be thankful for this year and every year.”






Why We’re Thankful: Part One

Someone once said that it is not happy people who are thankful. It is thankful people who are happy. In that spirit, we are asking our employees what they’re thankful for this Thanksgiving week. We will feature three of their responses before Thanksgiving. Here’s the first one.

When we asked Salt Creek Banking Center Branch Manager Sarah Young what she’s thankful for this year, she sighed and asked a great question. “Where do I start?”

“I am grateful for my healthy little child, my family, my job, for my health, my friends…I could go on and on,” Young exclaimed. And then she did, explaining that she is even grateful for her German Shepherd Schnelle.

Salt Creek Banking Center Branch Manager Sarah Young is pictured this fall with her loves: Ben Lingo, their daughter Kinsley and her dog Schnelle.

Salt Creek Banking Center Branch Manager Sarah Young is pictured this fall with her loves: Ben Lingo, their daughter Kinsley and her dog Schnelle.

An Ohio University graduate and McArthur resident, Young began her career with VCNB two years ago as a Retail Account Representative at the Ross County Banking Center in Chillicothe. She transferred to Salt Creek in April, taking over as Branch Manager.

While she is thankful for this new position and opportunity with VCNB, she is clearly most thankful for her little girl, a ten month old fire cracker named Kinsley who makes Young’s eyes light up.

“She is so wild. She’s very loving and cuddly. She’s outspoken even though she can’t say anything yet. She can’t walk but she can climb. She loves to climb everything,” Young explained.

This Thanksgiving will be special for Young’s family as it is Kinsley’s first Thanksgiving. “I am super excited for her first Thanksgiving. She’s at the age where she can try different foods so she will get her own little plate,” Young exclaimed.

“She’s what I’m most grateful for.”


Have You Met Our Lancaster Staff?

Have you met our staff at the Friendly Bremen Banking Center on E. Main Street in Lancaster? We have a great crew at this office and they love to meet our customers. Stop by and say hello today!

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This office is located at 521 E. Main Street in Lancaster. Visit the office or call them at 740.687.3939.

Customer Perspective: Apple Pay™

There has been a lot of buzz about Apple Pay™ here at VCNB since we became a participating bank. We thought you might like to hear some of the things our customers are saying.

Security is King
In this day and age where data and identity theft are on the rise, the security and privacy that come with Apple Pay are difficult to rival. Your card number is never stored on your device and when you pay, your card number is never sent to the merchant. Instead, Apple Pay assigns a unique number for each purchase so your payments truly stay private and secure. This means the merchant has no access to your information and there is no risk of your card being skimmed during the transaction.

Customers who use Apple Pay say they appreciate this advanced security!

Easy as Pie
It’s convenient and easy! Simply hold your phone near the reader and the machine recognizes how you want to pay. There’s no app to open or hoops to jump through.

Life in the Fast Lane
One customer argues that it’s a faster way to pay. In addition to processing as fast or faster than a typical card transaction, he said that it is quicker than pulling his wallet from his pocket and finding the right card. After all, an iPhone user typically has their phone at their fingertips! That means you can be checked out and on your way faster, leaving more time for what you really want to do.

To use Apple Pay, you need to have iPhone 6, iPhone 6 Plus, or Apple Watch 5 or 6 running on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air 2 and iPad mini 3 for in-app payments only. Apple allows up to eight cards on a device – not that you’ll need any more than your VCNB debit and credit cards! Click here to learn more about participating merchants and how to get started.    






Think Outside The (Gift) Box

Some of the best gifts don't fit in a bag or a box. Consider giving loved ones experiences, home repairs or other things they will appreciate but that you can't find at the mall!

Some of the best gifts don’t fit in a bag or a box. Consider giving loved ones experiences, home repairs or other things they will appreciate but that don’t come from the mall!

We’ve been talking a lot about Christmas lately. Holiday shopping with your VCNB Rewards Checking and Platinum Visa® card and how to save with a Christmas Club  have been at the top of our minds. But the truth is, a lot of us here at VCNB have been discussing gift giving as well. More to the point, we are all worried and asking the same question. What on Earth are we going to buy our loved ones?

It’s a wonderful problem to have but it seems like everyone we know already owns too much stuff. So many parents complain because their kids have too many toys and nowhere to put more. Adults often don’t need or want very much either.

While we want to give our loved ones a special holiday, we often waste money on the wrong things.

Make no mistake: we don’t advocate skipping Christmas or gift giving. However, if you’re in the position that we just described, buying stuff for the sake of buying stuff, this may be a good time to reconsider your habits and think outside the (gift) box.

In the interest of keeping gifts useful and cutting down on clutter, consider giving experiences rather than things. A zoo or YMCA membership, sports or concert tickets, movie passes, a manicure or a spa day will make the recipient think fondly of you while they’re having fun.

Experience gifts are especially great for families. Rather than buy individual gifts for every person, consider sending the entire family out for an experience together. Other great family gifts might include board games, movies or a gift card for their favorite restaurant.

For young adults who are on their own for the first time, there’s an endless list of things they need or want for their apartment or new house. Consider buying them cookware, bedding, furniture or decorative items to help make their new living space feel more like home.

That elderly person who already has everything is often difficult to shop for. Instead of buying them a thing, give the gift of your time. Take them some home baked cookies with a gift card or voucher for you to take them out to lunch or have them over for a home cooked meal.

There is also a place for practical gifts that save the recipient time or money. Hire someone to deep clean their home, clear their gutters or replace their leaky kitchen faucet. Everyone appreciates a little help around the house!

Gift baskets can also be a practical gift that is presented in such a nice way that it doesn’t seem so practical. A gift basket of their favorite foods would be thoughtful and practical. Note cards, stationery and stamps would be helpful to a shut-in while a colander filled with ingredients for a nice pasta dinner may be welcomed by a busy family.

If all else fails, consider a gift in their name to their favorite charity. There are tons of good causes that would value your donation, no matter how big or small.

One other thing: we recently saw something on social media that sounded really interesting. For those who want to really trim down Christmas for their kids, buy your child something they need, something to wear, something to play with and something to read. It’s a way to still have fun and open some gifts without spending a lot or accumulating too much.

Tell us in the comments below: What are your favorite go to gifts for the most challenging people on your gift list?


Leverage holiday shopping to earn UChoose® Rewards Points

Ready or not, here it comes. The holiday season is just about here. A lot of retailers are already decorated and getting started on early sales. We always feel a little guilty about discussing Christmas before Thanksgiving but we feel a duty to help our customers prepare for this very expensive season before it arrives. After all, if you wait until December to save money and plan for Christmas, it will be too late.

Today we’re talking about how our Rewards customers can leverage more points during the holiday season. Our customers who are earning UChoose® Rewards Points with their Platinum Visa® card or Rewards Checking can earn points redeemable for gift cards, cash back and items each time they swipe these cards.

Platinum Visa customers will earn one point for every dollar they spend while Rewards Checking customers will earn one point for every three dollars when they swipe their card. Since Christmas is such an expensive time of the year, this is a great time to watch those rewards points add up.

Think about all the money you spend during the holidays. Most folks spend far more than they think when they add up all the extra things they do and buy between Thanksgiving and New Years. All that money you spend on making the holiday merry and bright could add up to something nice for you after the holiday!

Our friends at Nerd Wallet did extensive research last year and determined the average cost of Christmas spending per American city. In Columbus, the average family of four was expected to spend an average of $842.76. That’s for presents, food, holiday cards, decorations – the whole Christmas shebang. Click here to read the whole study.

Contact your local office to apply for a VCNB Platinum Visa card.* Also, if you are interested in opening a new Rewards Checking account or converting an existing checking account to this type of account, you can open in-office or online. At this time, we are even offering a promotion that offers bonus points to get you started. Learn more here.

*Credit restrictions apply.

Have you tried VCNB Mobile?

Have you tried VCNB Mobile? We’ve had a mobile app for some time now but introduced a new and improved app earlier this year. We couldn’t be happier with how easy the app is to use or how customers are reacting to it.

With VCNB Mobile, you will find streamline access to your account information, literally at the tip of your fingers. Once you login, you can view account balances, transfer funds, send funds with Popmoney® Personal Payment Service and pay bills with Online Bill Pay. You can also deposit checks using mobile deposit.

No matter where you go in the world, if you have a mobile device with data or internet service, you can bank with VCNB. Popmoney to your buddy from the movie theater line, transfer funds from the breakfast table and deposit a check on a rainy Monday when you just don’t feel like going to the bank.

It’s easy, quick and convenient.

Ready to get started?

To install VCNB Mobile, visit your phone or tablet’s app store and download VCNB Mobile. When prompted, enter your online banking username and then answer the online banking security questions you set when you registered for online banking. Then enter your Online Banking password! It’s easy and quick to get started and simple to use!

Want to learn about more VCNB products and the things we can do for you? Click here to get started!

A Little Election Day History Lesson

Election Day

It’s Election Day in Ohio! Even though it is not a Presidential year, there are plenty of state issues and local races and levies seeking voter support. Do you ever wonder why elections are held on Tuesdays?

We did a little research and found a very practical explanation. The custom of weekday voting actually began in 1845 when Congress passed a law designating the first Tuesday following the first Monday in November as Election Day. Prior to that, elections were scheduled by states and were required to be held within a 34-day period prior to the first Wednesday in December.

So why did Congress choose a Tuesday in November? To understand that answer, you have to put yourselves in the shoes of a nineteenth century American. This was an overwhelmingly agrarian society, with most citizens working as farmers who lived far from their polling places. In fact, most people traveled at least a day to vote, creating a need for a two day period to travel and vote.

Weekends were impractical because most spent Sundays in church and Wednesday was market day for farmers. With this in mind Tuesday was the first and most convenient day of the week to hold elections.

Why fall? Again, late fall was better for farmers as it doesn’t interfere with the harvest but allowed voting to be done before the arrival of harsh winter weather that would make travel difficult.

The America of today is much different than that of 1845. Buggies have been replaced by cars and planes that make travel a quick and comfortable process. Early voting and absentee ballots aid voters who can’t make it to the polls on Election Day. A 24-hour culture and advanced technology have made communication quicker than ever.

Since American pioneers had to travel great distances to vote, we hope you’ll be willing to stop by your local polling place and spend some time casting your ballot today. Remember, voting is your right and every vote is important!