Small Business Spotlight: JT’s Auto and Truck Glass

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

Have you ever been driving down the road only to have a rock fly up and hit your windshield?  Did it leave a small chip that you think is too minor to fix?  Well, JT Thacker of JT’s Auto and Truck Glass thinks you should fix it before the problem gets bigger.

JT should know as he has been working on cars and trucks since the before the age of 18.  Much of that time was in auto body collision repair and specializing in working with big trucks.  In 2006 he began doing glass replacement and windshield repairs part-time and found that he enjoyed that aspect of the business very much.  He said he loves being able to satisfy the customers with a completed job in a shorter time and being there for customers when they needed him.


JT and Angela Thacker are pictured standing alongside one of the mobile chip repair vehicles they use for their business JT’s Auto and Truck Glass in Chillicothe.

With the help of his wife Angela, he decided to take the business full time in 2008.  Based in Chillicothe, the business has grown over the past eight years to serve Greenfield, Circleville, Waverly, and all areas in between.  Now JT, along with a staff of two additional technicians, offers service for all vehicle makes and models as well as heavy equipment for private owners, commercial and fleet vehicles.

The work they do includes glass replacement for windshields, windows and sunroofs and on-site repair of window cracks, chips, bull’s eyes and stars.  They also provide Aquapel glass treatments to repel rain from your windshield and on-site diagnosis for window operation issues.

Working with insurance companies can sometimes be daunting for the consumer but JT will work with all insurance companies to take the hassle out of the equation and make auto glass claims a little easier for you.  All you do is make the initial call and they do the rest!

JT said he loves what he does.  “I have found the best way to serve the community and make a living,” he said.

To learn more about JT’s Auto Glass call JT at 740.703.3922, visit their website                       or check out their Facebook page.


VCNB Offers The Scoop On Scams

Ice cream cone with extra scoops.jpgIt seems like scams are everywhere these days. From people knocking at your front door to threatening phone calls and harassing emails, it feels like there is constantly someone looking to swindle innocent people out of their money. Sadly, millions of Americans fall prey to scams every year.

That’s why we will host “Get the Scoop on Scams,” an informational session for senior citizens later this month. Jane Nickels, the Branch Manager of our McArthur office said her staff sees great need for this kind of education in the community. “Scams are everywhere and scammers are becoming increasingly sophisticated. Sometimes it’s hard to know who to trust and, as we get older, we are more likely to be targeted. We want to prepare seniors in our community with as much knowledge as we can,” Nickels explained.

This informational session will be held at the Vinton County Senior Citizens Center at 11 a.m. on Thursday, July 21. Registration is required and senior citizens may enjoy a tasty lunch for a donation to the Senior Center. Following the talk, the bank will have a free ice cream sundae bar for everyone to enjoy.

To take part, contact Rhoda at 740.596.4706 to guarantee your spot.



Pack An Extra Form Of Payment

If you’re planning a vacation this summer, you’re probably eager to pack your bags and hit the road. But before you go, there’s one more thing to pack – one or two extra forms of payment.

We know that you love your plastic and we swipe our debit and credit cards more today than ever before.  After all, it’s quick and easy, it’s safer than carrying a lot of cash and, if you’re a VCNB customer using Rewards Checking or our Platinum Visa© Card, you earn UChoose® Rewards Points on purchases.

PrintUnfortunately, plastic is not always foolproof. While most businesses accept credit and debit cards, some mom and pop establishments, festivals and farmer’s markets are not equipped to do so. Also, technology is imperfect and occasionally even major retailers experience a hiccup that prevents them from accepting cards.

Also, with the increased use in debit and credit card usage has come an increase in the amount of fraudulent activity related to cards. That’s why we have a great Fraud Department here at VCNB to monitor your activity round the clock. If we see something that is clearly fraudulent or that looks suspicious, we will place restrictions on your card and then give you a call to confirm that you are actually making those purchases. This is meant to protect you and your money but can sometimes cause an inconvenience for the customer.

We occasionally have customers who are on vacation, spending outside their regular pattern of activity, who will be flagged by the Fraud Department. If you can confirm that it’s really you spending your money, the restrictions will be released and you can go about your vacation. If it’s not you, we will shut down your card to prevent future fraudulent activity and take actions to get you a new card. If that’s the case, you will need another way to pay.

There are many options for a second or third form of payment. If you plan to pay primarily with debit, take along a credit card and some cash too. If your primary payment is going to be credit, a second credit or debit card and some cash might come in handy.

Here at VCNB, we offer credit cards as well as a Reloadable Travel Card. You can use it to make purchases anywhere worldwide that Mastercard© is accepted. It costs $5.99 to purchase but we are waving this fee through the end of July. The Travel Card and other reloadable/gift cards are available in any VCNB branch. Click here to learn more. 

And, of course, cash is still accepted almost everywhere.

By the way, if you’re planning to travel, take a minute and give us a call. If we know you’re out of state or out of the country, you’ll be less likely to experience a disruption in service. Also be sure to give us your mobile phone number. If our Fraud Department does need to reach you, you don’t want them calling your home when your card is being rejected in a restaurant far from home.




Small Business Spotlight: Loose Rail Brewing

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

Loose Rail - LogoThere’s a new business coming to Canal Winchester that has been generating excitement since it was announced last year. That’s when we learned the number one craft beer maker in the United Kingdom will construct its USA headquarters in Canal Winchester. While Brewdog’s new 40-acre campus is a few months from opening, we thought craft beer aficionados and small business enthusiasts would enjoy learning about another much anticipated local brewery prepping to open in the heart of Canal Winchester.

Nathan and Kelley Doerfler, owners of the Canal Winchester landmark Harvest Moon Craft Kitchen and the Garden Herb Shop, originally intended to expand Harvest Moon to a second location but plans changed when another opportunity presented itself. Approximately 18 months ago, the plans shifted toward building a brewery. In a whirlwind time period for the couple and with help from the Canal Banking Center, the perfect location – a former power substation for a rail line that ran until the early 1900s – was targeted and purchased.

Joined by business partners Jonathan Woodruff and Dennis Smalley, the newly minted “Loose Rail Brewing” operation began to take form. The building is located just walking distance from Harvest Moon in downtown Canal Winchester.  What this means for the brewery is that while they won’t have a full kitchen and menu  in the beginning, they will offer a food shuttle service from the Harvest Moon for limited menu items.

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Loose Rail will be a seven barrel brew house, with four fermenters, a taproom, a patio, a bar, and first and second floor seating.  Five beer recipes are being brewed – the craft brew standard India Pale Ale, a Session IPA, an Amber, a Pilsner, and a Stout.  Nathan said it was important to offer something for everyone.  Loose Rail hopes to separate itself by being created as a family-friendly space, in which families large and small can stop in to listen to live music on the weekends, host gatherings, and bring food in to sit outside on the patio to enjoy an evening open-air dining.

The excitement is growing and the promotion of the brewery is well underway.  Buzz is growing on social media and merchandise and apparel are being printed and sold at Harvest Moon.  They’ve already been featured in Columbus CEO magazine, The Dispatch, Columbus Underground, and Columbus Business Monthly.  They also are being added to various Ohio beer trail maps and look forward to bridging the gap between Central Ohio breweries and the growing craft brew hotbed that is Southern and Southeastern Ohio.

The old railroad building at 37 Waterloo Street is really starting to take a life of its own as Loose Rail Brewing and though adding a brewery to their business portfolio has been an exciting process so far, it hasn’t all gone smoothly.  Nathan says Loose Rail was originally targeted to open this summer but an overwhelming amount of nationwide permit requests within The Alcohol and Tobacco Tax and Trade Bureau has caused the opening to be delayed.  It’s now tentatively slated to open on Labor Day Weekend but, at this point, they are playing a waiting game as it’s out of their hands.  The good news?  There are a host of people anticipating the grand opening, anxiously awaiting the official announcement.  “This community has been really supportive and there is a lot of excitement for this,” Nathan says.  “We can’t wait to get going!”

Click here to visit them on Facebook! 



Community Spotlight: Vinton County Farmers’ and Crafters’ Market

Hang around the Vinton County Farmers’ and Crafters’ Market long enough and it starts to feel like old home week. That’s because in a small community like McArthur, everyone knows everyone else and the folks are friendly. They’re also grateful to have a place in the county seat to buy fresh produce and plants.

Since the county’s only grocery store closed in 2013, Vinton County residents have been forced to shop outside the county in neighboring Logan, Jackson, Wellston, Chillicothe and Athens or to piece together their groceries from local dollar stores, carry-out stores and gas stations that sell some grocery items. The Farmers’ and Crafters’ Market offers an opportunity to purchase locally grown, fresh produce on a seasonal basis.

Market Coordinator Bob Rannells admits the Market is small, averaging just a handful of vendors each week, but says they work hard to keep up with customer demand. In fact, he says the demand for fresh produced is so high he supplements Vinton County grown produce with more from a network of growers that stretches from Bremen down to the Ohio River.

On the day VCNB visited, there was a steady stream of shoppers – some hurrying in for something specific and others just stopping by to see what was available that day, most of them taking a moment to chat. There was a mother with young daughters selecting flowers for a landscaping project as well as a man whose wife sent him for a head of cabbage.

When asked why people frequent the Market, Rannells listed some rather compelling reasons. “The most important reason for most people is that everything is grown locally and is fresh. Sometimes the tomatoes are picked that morning. They’re never shipped from someplace else. They’re picked fresh right here in Vinton County,” Rannells explained.

In the case of bedding plants and vegetable plants, these items are taxable. “The tax dollars are collected and paid to Vinton County. So that money stays here locally,” he explained.

Another perk is that the vendor can provide tips on care of a plant as well as ideas for how to store or prepare food items. “We try to gauge those kinds of comments with the age of a buyer and how knowledgeable they seem to be with what they’re buying. Most older buyers don’t need us to tell them how to store a tomato. Sometimes a buyer appreciates a bit of information. And of course, they’re always welcome to ask,” he said. “We try to take the opportunity to talk to them about the plant, talk about where to plant, about water and fertilizer, and about non chemical pest controls.”

Rannells is a teacher and experienced farmer who takes pride in the market and the opportunities afforded to customers and growers. “We understand that the more we do to educate our buyers, the more likely they are to return,” he explained.

In addition to produce and plants, customers may sometimes find fresh eggs, Amish baked goods and hand crafted items. Margret and Danny Bapst sell handmade wooden items including bird boxes, wooden crates and custom items like picnic tables. Their wooden crates, made with hardwoods like Oak, Poplar, Hickory, Red Oak and White Oak, are attractive and sturdy enough to stand on, as Margret demonstrated. She pointed out that wooden crates sold in Big Box stores are made with Pine and are not sturdy or durable. They even make custom crates, featuring the logos of favorite sports teams. She indicated they can even customize with local high school logos including a Viking for Vinton County.  To have a custom piece made, customers can find them at the Market on Saturday or can call 740.384.0701 for information.

Rannells hopes to continue growing the Farmers’ and Crafters’ Market. “We welcome new vendors and encourage them to come back as often as they can,” he said. “We also encourage individuals who maybe just grew too much in their garden to come sell with us too. If you have produce that you can’t use, that will just go bad, why not bring it to the Farmers and Crafters Market to offer to sell,” Rannells asked.

The Farmers’ and Crafters’ Market is free to vendors but every vendor must have their own insurance. If you are thinking about being a vendor, Rannells recommends contacting your insurance agent to confirm that your homeowner’s policy will suffice.

The Vinton County Farmers’ and Crafters’ Market is open during the growing season in the parking lot on the East side of the Vinton County Courthouse from 9 a.m. to noon as well as at the Hamden Methodist Church on Mondays from 4 p.m. to 6 p.m.


Tricks For A Smooth Move

woman sitting on green meadow with many boxes

A little organization today will save you time and money later as you unpack at your new home.

Whether it’s your first home or your dream home, buying and moving can be stressful. We put on our thinking caps and came up with some practical tips and tricks to help make your move go smoothly.

Consider the Necessities
Think about what you will need when you first arrive. Designate an easy to recognize container such as a clear tote or brightly colored box to make into your “Need First” box. Pack inside trash bags, paper towels, toilet paper, tools, phone chargers, simple snacks, a set of sheets for every bed and other things that are important to you. If coffee is a must have in your house, pack the coffee maker and supplies in this container. The point is to keep together all those necessities that you won’t want to go searching for among a sea of boxes.

While you’re at it, have every member of your family pack an overnight bag with a change of clothes, toiletries, medicine and other items they might take with them on a trip.

Advance Work
Collect packing supplies and begin packing gradually. It will seem like less work and will give you more time to pack carefully. Be sure to start with things you don’t use frequently like grandma’s china, out of season clothes and family mementos.

Purge as you go. If you don’t use it or don’t like it, don’t pack it. These items can be sold in a yard sale, donated to charity or offered to friends.

Change your address before you move. Be sure to notify, not just the Post Office, but your credit card company, cell phone provider and your bank. We love when our customers tell us they’re moving so we can keep contact information up to date.

For a few weeks leading up to your move, make an effort to eat out of your pantry and freezer instead of grocery shopping. Remember, the more you use, the less you have to move or lose!

Try to clean your new home before moving day. Whether you clean it yourself or pay for a service, it’s better to move into a clean house than to clean as you go.

Pack like items from the same room.  Don’t mix your toiletries with cookwear. Keep like items together and then label the boxes with the box content and the room where it belongs. Better yet, color code your boxes with magic markers or a strip of colored tape.

Take great care with breakable items and other valuables. Wrap breakable items well and be sure to label these boxes fragile.  Another precaution might be to pack these important items in a different kind of box than everything else.

Tape those boxes well by securing both the top and bottom seams. Also be sure to use the right kind of box for the job. Heavy items like books and dishes should go in small boxes. Light items like bedding can be packed in large boxes.

Also be sure to fill those boxes to prevent shifting in the box and to cut down on the number of needed boxes. Gaps can be filled with towels or out of season clothing.

If you must disassemble furniture, store all the small parts in a Ziplock bag. Label the bag and then securely tape it to the back of that piece of furniture. Keeping parts and pieces together and safe will save much heartache later, say when screws are missing from your child’s bed.

Moving clothes can be a challenge. One option for moving clothes on hangers is to take a tip from the dry cleaner. Cut a hole in the bottom of a large trash bag and slide the bag over the items on hangers. Items will clean and together and can easily be carried straight from the truck to the closet. Have items in dresser drawers? Leave them in the drawers and cover with Saran Wrap or Press and Seal to keep everything in place.

Look out for Fido
Moving can be a traumatic experience for children and pets. While the doors are open and people are moving about, be sure to keep pets secured in a crate or a room where there is not activity. Not only might they be underfoot, a frightened pet could run outside and be lost.

Then be sure to keep their travel experience as calm and pleasant as possible, especially if you know your pet is a poor traveler. When you arrive at the new home, create a pet space that they will recognize by providing them with familiar bedding, bowls, food and favorite toys.

Are you thinking about buying a home? Contact your local VCNB office to speak with a lender in your neighborhood. Do you have a great moving tip? Share it in the comments below!




Helping Paws Update

Earlier this year we told you about a pet project of the staff at our Hocking Hills Banking Center. After realizing the ever growing need of the Hocking County Humane Society, the staff wanted to help.  First they went shopping on the bank’s behalf and donated a carload of food, litter and other supplies. Then they put out a donation container and a list of items needed and watched the donations begin to come in.

The Humane Society rescues abused and neglected animals, helping animals big and small, including dogs, cats, horses, bunnies, goats and other creatures that need a safe place. The shelter is run by volunteers and operates on a shoestring budget.

Humane Society Grace and Julie with donations 2016

Hocking Hills Banking Center employees Grace Delong and Julie Romine are avid supporters of the Hocking County Humane Society. They are pictured with the donation bin inside the bank lobby. Donations of cash or items are welcome.

Branch Manager Autumn Warthman said it all began because some of her employees volunteer with the Humane Society and they had remarked on the tremendous need the organization faces every day. With their shelter at capacity and resources stretched thin, the office staff wanted to do more.

So the staff put out a collection box for cash and change, as well as a list of items needed and a place to put them. Donations immediately began rolling in.  So far, they have delivered items at least four times and have collected almost $400 in monetary donations.

Warthman believes bank customers appreciate the opportunity to help less fortunate animals in the community. “A lot of them are pet friendly and they are loving that they can help this way. I’ve been shocked and grateful for the generosity so many people have shown,” she explained.

She indicated that bank employees are loving it too. “Two of our employees volunteer there and some of us have adopted pets from there so we have a nice relationship with the Humane Society. It has been uplifting to see how so many people really do care.”

She said a story in the Logan Daily also gained the project a lot attention, encouraging not just HHBC customers but all of the community to give. Needed items include everything from food and cleaning supplies to old towels and newspapers. See below for a complete list of requested items.

Warthman said there is an ongoing need for money, supplies and volunteers and that the office will continue accepting donations indefinitely.  Follow the Humane Society on Facebook  and click here to read our first story on this project.

Hocking County Humane Society Donation List

Summer of Peace, Love and Points

Peace, Love & Points - FBBC (Nauman Digital)

Peace, Love and Points will be the theme at VCNB this summer! From now through August 31, you can earn up to 20,000 Bonus Points with a Rewards Checking and a Platinum Credit Card at VCNB. Many of our offices are having fun with this sixties theme, playing music and breaking out their tie dye!

Here’s what Peace, Love and Points means for you:

Customers who qualify for a Visa© Platinum Credit Card may receive a bonus of 10,000 UChoose Rewards® Points. With our Platinum Credit Card, customers can receive bonus points for using it to make regular purchases. Those points can be redeemed for gift cards, travel, experiences and merchandise.

Customers who open a new Rewards Checking account or switch an existing VCNB account to Rewards Checking will be eligible to receive a bonus of 5,000 points. Customers who opt for self-service and open a Rewards Checking account online will be eligible to receive a bonus of 10,000 points.

To receive a Rewards Checking bonus, the customer must activate a debit card and register it through within sixty days of account opening to receive the bonus. New accounts must be funded with a minimum $100 deposit within 30 days of account opening.  Click here to read the full terms and conditions for this promotion.

Click here to open your Rewards Checking account online  or stop by any of our seventeen offices to apply for a Platinum Card or to open a Rewards Checking with one of our friendly, experienced staff.

A Chapter From Our Past

The following biographical sketch appears in the book “History of the Hocking Valley,” published by Inter-State Publishing Company of Chicago in 1883. It details the life of Captain J.W. Delay, a Civil War hero and first Cashier of the Vinton County National Bank. The book provides a wealth of information about cities, townships and villages, educational, religious, civil, military and political history and portraits of prominent people in the Hocking Valley. We hope you enjoy reading it as much as we did.

Captain (Major) J. W. Delay      

First Cashier of the Vinton County National Bank

Captain J. W. Delay, Cashier of the Vinton County National Bank is the son of Ambrose Delay and a a grandson of Rev. Jacob Delay.  The latter was born in Greenbrier County, Virginia, July 18, 1780, and died in Jackson County, Ohio, October 13, 1845.  Ambrose’s wife was Mary Crouch who survived him until December 24, 1854, when she died at Berlin Crossroads, Jackson County, Ohio.

Jacob Delay was extensively known throughout Southern Ohio as one of the pioneer Methodist ministers, and was remarkable for his great decision of character as well as forcible and positive manner of preaching the gospel.  Although he was a native of Virginia, he was of English extraction and became an early settler in Jackson County, Ohio.

Jacob was the father of eleven sons and one daughter, five sons still living.  Ambrose was the seventh and was born in Pickaway County, Ohio in 1810.  Ambrose died in Jackson County, Ohio (Berlin Crossroads) on April 1, 1864.

Ambrose’s wife, Rebecca S. Whitman was born in Greenbrier County, Virginia in 1811.  Rebecca died in Union County Iowa in 1881.  Their family consisted of six sons and four daughters, three sons and one daughter still living.

J.W. Delay is the oldest and was born in Jackson County on January 10, 1839. As his father was a farmer J. W. devoted his summers to the farm and his winters to school. At the age of seventeen years he entered the Ohio University, where he spent two years at which time he was tendered a clerkship in a store and accepted.  Two years later he was engaged at the Latrobe Furnace as a bookkeeper.  In that capacity he served until July, 1861, when enlisted in the United States Army.  On August 10, 1861, he was enrolled in Company K, Thirty-sixth Ohio Infantry, muster and appointed First Sergeant.  June 6, 1862, he was promoted to Second Lieutenant and First Lieutenant on January 16, 1863.

About this time he was placed on detached service on staff duty in the subsistence department, in which capacity he serviced during the war.  He was commissioned on October 24, 1864 by the President of the United States (Abraham Lincoln) as Captain of the United States Volunteers.  Also he was brevetted Major on July 10, 1865, just four years from date of first enlistment.

He participated in the battles of Lewisburg, Virginia, within five miles of the settlement of his grand parents on both sides.  He also fought in the second battle of Bull Run, Virginia and South Mountain in 1862.  During the following winter his regiment was in General Rosecrans’s campaign from Murfreesboro, participating in the battles of Chickamauga, Mission Ride, and many incidental fights of that campaign.

In the winter of 1863 – 64, he returned east and participated in the campaign of Generals Crooks and Hunter In West Virginia; subsequently in all the battles of the Shenandoah Valley under General Phillip Sheridan (Somerset, Ohio), serving until the war was ended.

Upon his return home in July, 1865, he entered the firm of H. F. Austin & Co. at Buckeye Furnace, Jackson County, Ohio.  J. W. Delay was engaged in the manufacturing of pig-iron, where he remained until October, 1866.  After that together with Mr. Austin and others, J. W. came to McArthur and organized the Vinton County Bank.  He did not move his family to McArthur until January, 1867.

When the bank was organized he was elected Cashier, and continued by re-elections to hold the same position until the consolidation with Will, Brown, & Co. in 1868.  The Bank became a “National” bank on October 1, 1872.  The name was changed to the Vinton County National Bank of McArthur with J. W. Delay remaining as Cashier and Daniel Will as President.

During the late war April 11, 1864, he married to Miss Samilda J. Buck.  They have for sons and three daughters, all living.