Preventing Tax Return Fraud

Identity theft continues to be a booming business: In 2014, 17.6 million Americans fell victim, and cybercriminals made off with $15.4 billion. And tax refund theft remains a lucrative piece of that business, despite the IRS’ efforts to stamp it out.

How do hackers do it? In one scam, they filed bogus returns with information harvested from the IRS’ own files or by using Social Security numbers.

Then they waited for the direct-deposit refunds to flow in. Victims usually didn’t know anything was wrong until the IRS refused to accept their tax returns.

Here are some of the defenses that the IRS, state tax agencies and the e-filing industry are building to combat scammers:

Quicker responses to warnings. Thanks to technological enhancements, the IRS now receives warnings if a large number of returns come from a single computer address within a short period of time.

Delaying refunds. This allows the IRS time to recognize that more than one return has been filed for the same Social Security number. Previously, the IRS issued e-file refunds seven to 10 days after it received a return. The new target is 21 days.

Earlier filings of W2 forms. Businesses had been required to issue wage and payment statements to workers by Feb. 1, but didn’t need to file them with the IRS until June. Now both will be due by Jan. 31.

Sharing information: Intuit, which makes TurboTax, and H&R Block have agreed to share more information more promptly with the IRS about filings they consider suspicious.

Safety begins at home, of course. The IRS also has advice for taxpayers on identifying — and more importantly, avoiding — tax refund fraud:

Always use security software with firewall and anti-virus protections, as well as strong passwords.

Learn to recognize phishing emails, calls and texts from thieves posing as legitimate organizations, such as your bank, credit card company and even the IRS. The IRS will never try to contact you via phone or email.

Don’t click on links or download attachments from emails if you don’t recognize the sender.

Protect your personal data. Don’t routinely carry your Social Security card, and make sure your tax records are secure.

If you think someone used your information to file a return, contact the IRS immediately. Specialists will help you file your tax return, receive any refund you’re due, and protect your account from identity thieves in the future.

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Community Spotlight: Painted Acres Animal Rescue

 

Most animal lovers cringe at the thought of an animal being neglected, abandoned or abused. Luckily, there’s an organization in Vinton County that works hard to care for those animals in need. Painted Acres Animal Rescue is located in Zaleski and is a non-profit organization dedicated to giving a second chance to countless animals that otherwise would have no one to love or care for them.

Director Barb Booth has been rescuing animals for about 35 years, operating her animal rescue as a part time effort until her retirement a few years ago. With her husband Cy, the organization takes in about 400 animals a year and adopts out approximately 250 to 300 every year.

At any time, they can have fifty or more dogs and countless cats, birds, rabbits, chickens, ducks, horses and donkeys. Rescues come from Vinton County as well as from across Ohio and beyond. Rescued animals are often severely underweight, have fleas or heartworms, need to be spayed or neutered, have trust issues or require some other form of specialized care before they are ready to adopt.

This 24/7 job is more like a way of life as the pair spend most of their days tending to the needs of their rescues, cleaning cages, feeding, walking, tending to medical needs and seeing to it that each one receives personalized attention each day.

Yet when Barb tells the story of these animals she dwells on the positives of her work rather than the negatives. In fact, her face literally lights up when she discusses the animals and it is clear that her work is a true labor of love. “We’ve dedicated ourselves to helping those who need us and who can’t help themselves. It’s a good feeling to watch them come from being severely underweight, frightened – to being a healthy weight, able to jump and run. They’re grateful. You can see it in their eyes, in the wag of a dog’s tale, that they are grateful for the help. It’s just good to know that we’re giving them a second chance at life,” she said.

When asked how she decided to do this work, Barb laughed and said it began when she was young. “Even when I was little, I was always dragging home animals that I found.” She then shared stories about how animals tend to find her. “I’m kind of a magnet for animals. I can’t go anywhere without finding someone who needs a little help or just wants to be close to me.”

Barb recounted some stranger than fiction stories about animal encounters including one where a lost hamster approached her in a parking lot and another where a bull literally showed up at her door with a small dog at his heels. Another time, an Emu that refused to be caught by anyone else approached her and rested its head on her shoulder. “They just find me. I don’t know how but they do,” she explained. “Even when I’m not looking they tend to find me.”

“I tell everything when they come in, you’re here temporarily until we get you a home and we all have to live together,” she said. “I truly believe they understand more of what we say than we give them credit for. A lot of it is tone of voice and how we behave. You have to stay calm. But I still believe they understand more of what we’re saying than we know,” she said.

A 501c3 nonprofit, Painted Acres operates on donations, adoption fees and at the personal expense of Barb and Cy. Operating expenses average $4,000 a month. That includes food, flea and heart worm medicine, vet bills, cleaning supplies and other expenses.

She said it can be hard for people to understand that they rely on adoption fees to help offset some of the costs of caring for the animal. Before any animal can be adopted, it must be spayed/neutered, have its shots, be heart worm tested and be of full weight. “Depending on the animal, that can be really expensive and our adoption fee only covers a fraction of the cost. We aren’t here to make money but we do rely on the adoption fee to keep us going,” she explained.

She has adopted animals to people all over the country and in Canada. To adopt, there is an application process that requires references. The new owner must pick up the animal at the rescue in Zaleski. “I want to meet them and they have to meet the animal before I’ll let them go,” she said.

Some of the animals available for adoption can be found on http://www.petfinder.com/ and www.adoptapet.com.

Barb also devotes time to educating others on topics that she believes will prevent many animals from being unwanted and abandoned. She talks to 4-H clubs, Girl Scouts, Bible schools and other groups to educate about how to treat an animal and even about things to consider before getting a pet.

She believes that kids and animals are good for each other but wants all kids to know some basic things:

  • Always be gentle and respectful toward animals. Never pull their hair, kick or be mean to an animal.
  • Animals have to be fed, watered and groomed just like humans.
  • When they’re sick they need to see a doctor and have medicine.
  • Animals need love and care.

She also has tips for people who are thinking about buying or adopting a pet:

  • Research the breed to learn about its personality, potential health issues, etc. Is the breed good with kids? Does it need a lot of room to run? Is it prone to allergies or other health issues?
  • Can you afford the cost of health care for this pet? Spay/neutering, flea and heartworm medicine and an annual wellness check-up are vital for a healthy animal.
  • If the animal has health issues, can you afford specialized food and care?
  • Consider lifespan of a breed. For example, a parrot can live for 75 to 80 years. What will happen to the parrot when you die or if you can’t care for it? A puppy can live for fourteen or more years. Are you prepared to commit to this dog for the rest of its life?
  • Do you have room in your home for this pet? Outside pets tend to be isolated and are at greater risk for disease and predators.
  • Never give a pet to someone who isn’t expecting it and hasn’t met the animal.

“I encourage people to stop and think about it. If your home is quiet and low key, a lap dog would be a good fit. But if you have kids and like to go hiking and get outside, a Lab would be a good choice. If you’re not sure you really want to commit to an animal for their lifetime, it’s best to not commit for right now. We would have fewer animals in rescue if more people thought ahead,” she said.

If you want to help, donations of money and items are welcome. Items such as old towels and blankets, cleaning supplies, treats and toys for dogs and cats, scrub brushes, grooming supplies and Dawn dish soap are always in demand. Checks can be sent to Painted Acres Animal Rescue at P.O. Box 245, Zaleski, Ohio 45698. Electronic donations can be made via Paypal to vcpoundrescue2000@yahoo.com or Gofundme.com. Volunteers of all ages are also welcome as there is always work to be done around Painted Acres. Contact Barb via email or call 740.596.4070.

A Presidential Portrait: Remembering Aaron Will

a-will-jrIn honor of our 150th anniversary in 2017 we are taking look back at bank history and the people who have helped to shape our bank into the successful, secure institution that it is today. Read on to learn about one of our former presidents!

Aaron Will Jr. served as the second president of Vinton County National Bank, taking the reigns after the death of his uncle Daniel in 1924. While Aaron’s leadership of the bank lasted just fourteen years, his legacy is extraordinary.

Aaron Will ushered in a period of rebirth and progress, while strengthening his bank’s reputation as one of the most secure in the state. He boldly tore down the original bank building, replacing it with a beautiful new brick and marble building meant to impress the customer and to stand out in downtown McArthur. He launched the first organized marketing campaign for the bank, aggressively and consistently informing the public of the strength of his bank, the experience of his employees and the variety of the products offered.

Aaron is also remembered for hiring the bank’s first female employee, years before many of his competitors made room for women in banking. Perhaps most importantly, he navigated the bank safely through the Great Depression, exiting the Depression years stronger and more effective than ever.

Born in McArthur on May 22, 1872, Aaron was the son of Jacob S. and Rebecca Davis Will. He graduated from McArthur High School at the age of eighteen in 1890 and soon began working for the bank. Aaron was elected cashier of the bank the following year and worked as a banker for the next 48 years.

Aaron was one of the organizers of the McArthur Brick Company and was chairman of its first meeting in 1905. He was elected Treasurer and Director of this company, serving in this capacity until his death.

He is said to have taken much interest in civic affairs, supporting anything that would better the community. He was a founding member of the McArthur Rotary Club, belonged to the McArthur Episcopal Church and belonged to the Knights of Pythias. He was selected as alternate delegate to the Republican National Convention in 1928 and Delegate in 1932 but was unable to attend because of ill health. He was again selected alternate in 1936.

Aaron died of Chronic Myocarditis on Apr. 13, 1938 at the age of 65. He left behind his wife Mary B. Will and children Mary Will Pilcher, Jean Will and Robert B. Will. His son Robert and grandson Bob Will would later follow in his footsteps to lead the bank.

Aaron’s impact continues to be felt in our 150th year as we continue to strive for the same strength and stability that Aaron insisted on throughout his career.

Learn more about our 150th year here or about our founding president here.

Small Business Spotlight: The Well

 

Small businesses are important to communities and running a small business is tough work. That’s why we feature a small business in one of our communities every month! 

A business in downtown Lancaster with a passionate following is getting ready to celebrate their third anniversary. It is a spot that was created for families to come and eat clean, wholesome foods, gather for coffee and conversation, and have a little fun. To call it a restaurant would be misleading; to simply call it a coffee shop wouldn’t be enough. Introducing: The Well.

What would you call The Well? “That’s a good question,” says Adam Leu, who owns the business along with his brother Aaron. “We’re a place to gather; a restaurant, a retail shop, a coffee shop, a place to bring your family in to play. We’re here to teach and educate, to service, and to build relationships and be a light in our community.” The words on the glass along the entryway say it best: “A Modern Gathering Place.”

The Leus’ intent was always to create a business with a family atmosphere that their own relatives and friends would want to enjoy; a modern place to eat, drink, play and live. “You see it too much that a small business consumes you. We didn’t want that,” Adam says. He continued, “Our priorities were always very clear – we have families and we wanted them to be involved, to come around and to enjoy this place. We wanted to do that for others.”

The idea for “the Modern Gathering Place” came about after Adam and Aaron held discussions about their next move in business. Inspired by several family play cafés the brothers had seen, Adam and Aaron came out of their discussions realizing they felt it was an exciting idea and something they thought the public would enjoy as well.

The search for a location began in 2013, and when scouting locations in Lancaster, they came across the old Hammond’s Clothier building at 203 S. Broad Street. It was pretty clear from first sight that it would be perfect. Hammond’s had been open since the early 1900’s and the building and its décor reflected so much of that history.

Plus, with the added bonus of empty gallery space below and above the storefront, Aaron felt it’d be a perfect spot to renovate and create a home for him and his family. After several meetings with the Lancaster-Fairfield Area Chamber of Commerce and Destination Downtown Lancaster, the decision to purchase of the building was made, and in May 2013 the plans of opening in time for The Lancaster Festival’s Art Walk in July were laid out. And once work began, those hopes were quickly dashed. “We were pretty ambitious. We worked on the living space first, and Aaron wasn’t able to move in until December of that year- and the shop wasn’t opened until March of 2014,”

Adam laughed as he recalled. “But we did most of the work ourselves. We added the kitchen area and the bathroom, but the building was in good shape. It was mostly cosmetics.”

Now filled with self-constructed décor, hand-made crafts and goods, organic snacks and sweets, art, and a play area the family built taking up a large portion of the rear, The Well has blossomed into a popular place for locals and out-of-towners alike. And the word of these loyal visitors has been key to their success.

“We really haven’t had to pay for advertising.” Adam revealed. “The Eagle-Gazette ran an article the week we opened, which we didn’t plan on, and the Dispatch called right after that for another piece. And it’s just grown from there.”

The space, and the menu especially, were originally intended to serve a very niche market. They just didn’t realize how large that niche market was. “After the Eagle-Gazette article, we were slammed. We had lines out the door and we were thinking ‘what are we doing?’ We weren’t ready for this.” Adam looks back. They seemed to have figured it out, though, and the crowds continue to grow.

The rotating menu features organic, gluten free vegetarian foods and smoothies, juices, coffees, and treats utilizing local growers and coffee beans from around the world (and never roasted more than fourteen days prior!). The Buckeye Bar, the sweet specialty of Tim, their father, has proven to be a hit! In fact, VCNB employees may or may not consistently keep a few of them at their desk.

The Leus have taken calls from interested investors looking to add locations and businessmen looking to franchise. “But we’re just not interested in that, that was never the priority.” Adam explained, again citing the desire to have a place for his family. “I’m here, Aaron, our mother (Pat), our father (Tim), Bob’s a friend, and Mary’s helping us too. Our wives help us, our kids come in here and hang out with us. You just can’t do that if we go somewhere else. Our desire wasn’t to come here and be a restaurant, and be hidden back in a kitchen all day. We want to see you and we want you to take some of this with you. We’ll give you any recipe or information you want. We’re a part of this community and we want to be here building relationships with you.”

Visitors can stop by The Well from 8 a.m. – 3 p.m. on weekdays. The retail and play space can also be rented after hours at $150 for three hours. You can get connected on Facebook or call 740.573.7011.

Remembering Our Founder

dan-will-portraitVinton County National Bank founder Daniel Will is remembered for building the bank and presiding over the institution for more than one-third of the bank’s history. He was a colorful character and a self-made man who spent a lifetime pursuing his own version of the American Dream.

Born in Hocking County, Ohio in 1832, Daniel Will came from a family of ten children. He did not come from a wealthy background. Instead, he is said to have started life with no capital, but an abundance of energy and industry. His formal education was confined to the “Three R’s” which allowed him to educate himself through observation and reading. He soon proved himself to be skilled in the areas of business and finance, expertise that proved useful in his early career owning general stores in Zaleski and McArthur.

daniel-will-2In 1850, he assisted in driving stock to Harrisburg, Pennsylvania for an $11 monthly salary. He returned home just as he went to Pennsylvania – on foot – and taught a term of school that fall. By spring 1851, Daniel was employed as a clerk in his uncle Joseph K. Will’s store in McArthur. He remained with his uncle for three years, earning an annual salary of $125. He then entered a partnership with his uncle, remaining in this position until 1858. At that time, he withdrew from the partnership with his uncle and opened a store in the neighboring town of Zaleski. He soon took on another partner, his father Jacob G. Will.

Daniel eventually opened a general store in McArthur, operating not on credit like his competitors but on a cash system that allowed him to buy at large discounts and then sell lower than the general market price. Before long, he was selling more merchandise than the other three stores in town combined.

His brothers Jacob and Aaron began to clerk for him and became his partners in 1865. Two years later, he established the bank of Will, Brown and Company. When this bank consolidated with Vinton County Bank on September 1, 1868, Daniel was chosen to lead the new Vinton County Bank as president.

Daniel Will was a banker for 57 years, making it difficult to separate his life story from the story of the bank. He never married, devoting himself instead to business and community. He served the bank until his death in 1924 when he died at the bank at the age of 92.

Upon his death, he was memorialized by local newspapers including The McArthur Democrat Enquirer which remembered him as “the oldest and best known banker in the state, if not in the United States.”

Daniel is said to have had many interests outside of banking. He was the owner of the Will Hotel and of 1,600 acres of land in Vinton County as well as other real estate in McArthur. He was not a politician but, by all accounts, labored for the advancement and general welfare of his community.

Throughout his distinguished career, Daniel established a reputation for being steady and conservative in every way. Vinton County Historian Lew Ogan wrote, “Daniel Will informed my father once upon a time that he felt he was doing a favor to his friends and fellow citizens when he established a bank for their convenience so they could conserve their life earnings for a profit. This he did as his bank was known far and wide, a reputation, if you please, as a safe institution. When the hard times came in 1893 and 1894, Mr. Will was prepared to meet the situation.”

Daniel Will started life with few resources other than his own wits and a strong work ethic. He proved that hard work and determination could take a young man places in nineteenth century America and he set out to use his businesses to help his neighbors achieve their own dreams. Daniel Will today is remembered mostly by a framed portrait in our first bank in McArthur but he set into motion a business and a small-town banking mentality that can still be felt today.

VCNB Celebrates 150 Years

McArthur2.jpg

VCNB began life in McArthur, Ohio as Vinton County National Bank. We have been in the same location for 150 years, except for a few months when we moved out to construct a new building in 1925. Today, the VCNB Financial Family has grown to be far larger than our founder Daniel Will probably ever imagined possible.

In 1867, a bank was founded to serve the citizens of Vinton County, providing a safe place to keep deposits and a reliable source for borrowing money. Today that bank is preparing to celebrate a milestone anniversary. Vinton County National Bank is 150 years old!

There aren’t a lot of businesses in this nation that can boast such a long and storied history. We have survived twenty-eight Presidents, recessions and depressions, war and peace. We were here for the construction of the Statue of Liberty, the rise of the automobile and the fall of the Berlin Wall. We are known for being early adopters of technology from the Xerox copier and the earliest computers to the most advanced technology the 21st century offers the world of banking.

Through it all we have worked to be good neighbors, to be a responsible corporate citizen and to always remember where we came from. This year, we’re also going to have some fun while we celebrate our 150th anniversary all year long!

While we haven’t been in some of our communities for 150 years, we want all of our offices to join in the fun by having an anniversary event in 2017. We also will be offering special promotions throughout the year.

Our biggest event though will be at our first office in McArthur. We will partner with the Vinton County Athletic Boosters to help with their 4th of July Celebration. We are still working on the details but we will be bringing a great entry to the parade, will host an open house at the bank, will sponsor entertainment for the festival and host a fun day with the Ohio Village Muffins. If you haven’t heard of the Muffins, check them out here.

They play baseball with mid-nineteenth century rules, uniforms and equipment. We’ll have them here to play baseball and softball games against our bankers and other community members. That day will feature some other nineteenth century fun including old fashioned games for the kids, food, music and more.

To say that we are excited would be an understatement. We are elated for the opportunity to celebrate our anniversary.

Incidentally, our bank building in McArthur was constructed in 1925 and dedicated with an open house on Saturday, July 4, 1925. Our open house to commemorate the 150th will be held on Saturday, July 1, 2017. We promise we didn’t plan it that way but we do think it’s a neat coincidence!

We will have a lot more details about our celebration in McArthur to release in the coming weeks and months. The celebration will begin with the parade on Friday, June 30 and will continue throughout the weekend. We hope you will mark your calendar and come for all the festivities.

We also are working on the events all our other offices are hosting or participating in this year. We will post details here and on Facebook as information becomes available. We also have a page on our website where you can learn about upcoming events, current specials and the bank. Be sure to bookmark the page and check back for new information!

You can also subscribe to this blog so that our stories are delivered straight to your inbox or follow us on Facebook where we have contests, vintage photos and other great content. Have an old photo or story about VCNB you would like to share? Tell us about it in the comments section!

Small Business Spotlight: Pataskala Meats

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Small businesses are important to communities and running a small business is tough work. That’s why we feature a small business in one of our communities every month! 

On a cold and blustery December day, the doors of  Pataskala Meats opened up for a visit from VCNB and a chance to be featured in our Small Business Spotlight series.  As one of the only butcher shops in the area to be built from the ground up in the last thirty years, Pataskala Meats showed itself to be a happening place full of unique eats at great prices.

Pataskala Meats is the project of Kirk Hall, who has spent much of the last twenty years working on his family farm and raising sheep.  With the dream of creating his own butcher shop and market, Kirk spent years looking for existing buildings to renovate to make this idea come to life.  But time and time again, he kept coming back to a lot sitting along Broad Street in Pataskala.  In 2011, Kirk pulled the trigger and purchased the oft-visited lot and went to work.  Instead of renovating a building, he’d be building from scratch.  And after ninety truck-loads of clay were brought in to raise and level the ground and a dilapidated building was demolished, Kirk began work on his shop.  After four years of hard labor, enormous expenses on pavement, cooling racks, and processing equipment, Kirk was ready to open the doors of Pataskala Meats in spring 2016.

Pataskala Meats is a USDA licensed butcher shop first and foremost, working mostly with cows, pigs, sheep, and goat.  With two hanging coolers in the back, Kirk and his crew are able to immediately begin the cooling process and continuously move the meat along for further processing.  With a USDA inspector on hand on a regular basis, the process and the meat itself is inspected and stamped for approval for sale to the general public.  Pataskala Meats also takes orders from private customers and farmers for their own use and consumption as freezer meat.

After the cooling and hanging process, the meat is cut and divided for packaging.  Kirk’s smoked meat is so popular the smoker is nearly pushed to the limit by constant use.  “We’ve found it’s too small really – it’s constantly running!” he says.  Bacon is marinated for five days before being put through the smoker, the ham is injected with a secret mixture before running through, and smoked pork chops are one of Kirk’s personal favorites.  Pulled pork and other meats are smoked by request.

Photos of Kirk’s family farm line the market walls in the front of the building.  The fresh cut steaks, chops, specially blended sausages, and house made jerky make headlines, but there’s more happening here.  With the best prices around on deli meats and specials (seriously –smoked ham was going for $.99/lb at the time of our visit!), house made potato salad and sides, and an incredible variety of cheeses, spices, and condiments, the market clearly has something to offer everyone.  Huge coolers hold everything from specialty items and frozen foods to sweet tea and Monster energy drinks.  Aisles of shelves are lined with sweet treats and salty snacks, including some packaged in bulk.  Pataskala Meats was just awarded with a liquor license as well, and will soon have a selection of wine available.

Whether you are grilling, picnicking or tailgating, you can find all your fixings at Pataskala Meats!

Perhaps the market’s most unique offering is that of a cooler dedicated to your furry friends.  Raw pet food is ground, packaged, and sold either in bulk or in one pound tubes for $.75/lb, and various sizes of smoked bones can be purchased for your pets.  These bones can be as large – or as small – as you request, and can be cut to size if you prefer.

We thank Kirk and his staff for giving us a glimpse into what they have going on during a bitterly cold day, and we look forward to seeing Pataskala Meats grow as they continue settling into their location at 12397 Broad Street. Follow them on Facebook or call  740. 927.3006.

 

Mobile Deposit Is Now Free!

Mobile Deposit is now FREE! Yes, you read that correctly! You spoke and we listened. Mobile Deposit is now available free of charge to customers who use our mobile app.

This is just one way we’re saying thanks this holiday season to all our loyal customers who enjoy using this convenient product.

If you haven’t tried mobile deposit yet, you really should check it out. This feature uses your phone’s built in camera to take pictures of your check. It submits the images electronically to make a deposit to the checking or savings account of your choice.

Here are the directions for use:

  1. Log in to the VCNB Mobile Application on your phone.
  2. Select Deposits
  3. Select New Deposit.
  4. Choose the account to deposit.
  5. Enter the amount of the check.
  6. Endorse the check with signature and write “For Mobile Deposit Only.”
  7. Capture pictures of the front and back of the endorsed check.
  8. Confirm deposit details and click Yes to complete.

That’s it! The process takes just a few minutes and saves you a trip to the bank. Best of all, now it’s free!

 

 

 

 

Make The Holidays Easier With VCNB

Tis the season for holiday giving and that means you’ll probably be doing a lot of spending. VCNB has a product called Popmoney® personal payment service that is perfect for the holidays and today we’re talking about three times it might come in handy for you!

This service allows you to send money to another person electronically. All you need is the mobile phone number or email address to send the funds and it’s easy for them to have it deposited into the bank account of their choice. Each transaction costs just .50 cents, making it an affordable, easy and relatively quick way to get money to another person. Popmoney can be used from our mobile app, VCNB Mobile or through Online Bill Pay so you can literally send funds at any time.

Shared Gift Giving – In a lot of workplaces, co-workers combine their resources to buy their boss a nicer gift. If you’re like a lot of Americans, you may not carry a lot of cash or your checkbook to work. Pay your share by sending your contribution electronically to the person collecting the funds.

Festive Meal With Friends – Your group is going out for dinner to celebrate but the restaurant requires a party of your size pay on one check. Don’t make your friend who’s footing the bill wait for your share! Just send them the funds via Popmoney, right there from the dinner table!

Last Minute Gift  – Forgot to buy a gift for someone on your list? No sweat! You can use Popmoney to send them cash, along with a holiday greeting!

Remember, you can also use Popmoney to request funds! Say you’re in charge of buying mom and dad’s gift from you and your siblings. Let your brothers and sisters know how much they owe by sending a request via Popmoney. They can respond to that request directly, and send the money right back to you. No muss, no fuss and no excuse for your baby brother not to pay his share!

How might you use Popmoney this holiday season? Tell us in the comments section below!

Santa Claus Is Coming To VCNB!

Santa illustration.jpgSanta Claus will be coming to town for visits at several VCNB offices this December. Here’s the scoop on where and when to find him! Bring your own cameras to get pictures of the jolly old elf with your kids and grown-up kids!

December 9
3 p.m. to 5 p.m.
Friendly Bremen Banking Center, E. Main St. in Lancaster
Visit with Santa and tell him your fondest Christmas wish!

December 16
3 p.m. to 5 p.m.
Friendly Bremen Banking Center , Bremen
Meet Santa and come prepared to share your Christmas wish list!

December 16
3 p.m. to 5 p.m.
Canal Banking Center, Canal Winchester
Enjoy a Christmas Party with Santa, face painting and cookie decorating. Kids can also drop off their letters for Santa and wait for handwritten letters in the mail. If you’re bringing a letter, be sure to include a return address so Santa knows where to find you!

December 17
9 a.m. to 11 a.m.
Ross County Banking Center, Western Avenue in Chillicothe
Visit with Santa while you enjoy cookies and punch. There will also be a drawing for a jumbo prize. Don’t miss out!

December 17
10 a.m. to Noon
Friendly Bremen Banking Center, Pataskala
Have fun with a Christmas Party with Santa, face painting and cookie decorating. Kids can also drop off their letters for Santa and wait for handwritten letters in the mail. If you’re bringing a letter, be sure to include a return address so Santa knows where to find you!

There you have it! The magic of Santa will help him travel to several of our banks, spreading joy and providing lots of photo ops for the good little boys and girls! Come see us and be sure to bring your camera!