Canal Banking Center To Host Realtor Class

Our Canal Banking Center hosts a continuing education classes for realtors every fall and it’s time for another one! Our next realtor CE class will be co-hosted with First American Title in Canal Winchester on September 17.

“Ethics: You Be the Judge” will feature speaker Sally Steining, an attorney for First American Title, and will meet the Ohio Ethics requirement for realtors.

This class will cover who can file an ethics complaint as well as the process for filing a complaint, including the new online form. The class will use a polling app so that attendees can use their cell phone or table to vote on answers to fact patterns for about twenty actual Ohio ethics complaints and the discipline used.

VP of Lending, Mortgage Loan Originator Chad Meadows co-hosts the event on behalf of VCNB. “I enjoy interacting with many of the realtors that have supported VCNB over the years and have been important referral sources for the bank. Additionally, it has become somewhat like a tradition every fall to get together at this event and many look forward to this time where important and timely topics are discussed by very seasoned and knowledgeable speakers,” Meadows said.

The class will be held at Kingy’s Pizza Pub from 12:30 to 3:30 p.m. Snacks and drinks will be provided during class and pizza after class.

RSVP to Josh Cecil at jcecil@firstam.com.

 

 

 

 

Small Business Spotlight: Tim’s Wood Shop

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

Tim's wood shop exterior

Look around America’s small towns and it’s sometimes hard to find skilled craftsmen making quality goods. That’s why Jackson is fortunate to have Tim’s Wood Shop, a small business in the community for more than thirty years.

One key to success has been their ability to change with the times and with customer demand, according to owner Tim Crabtree. The Oak Hill native actually started the business as a furniture shop in 1977. Tim said it had long been his dream to make furniture professionally but soon realized that making a living in this field would be challenging in southern Ohio. At the same time, he saw a demand for high quality custom doors and wood trims so he left furniture making for this more secure business model in 1987.

Growing the business over time, Tim has earned a reputation for quality products and service.

But the business has continued to evolve in recent years as the demand for custom wood flooring has increased so much that it is now the focus of the business.  “There is a lot of competition but our niche is that we do have a quality product. It’s better than what you will find elsewhere,” he said.

Most of their flooring is made with rift quarter sawn white oak but he noted they are happy to make flooring from any Appalachian hardwood that they can acquire including red oak and walnut.

While engineered flooring now comprises about half of the wood flooring market, Tim said there are different advantages and disadvantages to both engineered and hardwood flooring. For example, the price of flooring found in big box stores is lower but the veneer is often easily ruined by moisture. On the other hand, hardwood floors can be repeatedly repaired with sanding and refinishing. “What we do is more durable, the millwork is better and honestly, it’s a better long term investment,” he said.

The business is a family affair with help from Tim’s brother as well as Tim’s wife Lois who helps run the shop. An experienced woodworker in her own right, Lois helps with creating the chevron and herringbone floors. She said that most customers choose traditional plank flooring but there is a good market for these specialty floors.

flooringShe also explained that they offer two grades of wood – “Select grade” which typically is without flaws and has consistent color as well as “Character grade” which may have knots, variation in color and other small flaws. “It just depends on your taste and what you’re looking for,” she said, explaining that most customers choose the better grade while some still prefer the character that comes with flaws.

They sell their products locally as well as to distributors across Ohio and in other states.

In addition to themselves, Tim’s Wood Shop currently employs six people but they are looking for workers who have experience as well as those who are interested in learning. “We’re as busy as we’ve ever been so we do need help,” he said.  “We’re better than a big company on quality and sometimes we’re even more efficient but we do need good workers to make that work.”

Tim said they are always looking for ways to improve efficiency. One way they have done this is by transforming sawdust into firewood. The sawdust is turned into two pound bricks that are pure wood. Virtually ash free and creosote free, they have no additives or bugs and are a popular firewood source in the area. It sells for $175 a ton. Tim credits the Jackson County Economic Development Partnership for a $20,000 grant that helped fund the $92,000 machine used to create this product.

Tim’s Wood Shop is located on Athens Street, near Osco in Jackson. The large blue building has served many purposes over the years and was once a King Edward Cigar factory. Look closely at one side of the building to see a King Edward ad.

Want to know more? Tim’s Wood Shop is located at 117 Athens Street and is open 7 a.m. to 3:30 p.m. Monday through Friday. Click here to visit their website or call 740.286.4535.

Vicki McCathren Retires From VCNB

When Vicki McCathren started her career at Vinton County National Bank, the banking industry was just ramping up its use of computers in branches. Online banking was still in its infancy and the concept of a phone app where customers could take charge of their money was still a few years down the road.

On Friday, she will retire after almost 21 years with the bank and a wealth of knowledge about tasks that customers likely never think about but that are important behind the scenes work.

Vicki McCathren 2019 Retirement“It’s incredible the changes I’ve seen over the years,” Vicki said. “The changes in how we do things, in the technology is pretty amazing. Banking is so much easier for the customer too.”

Vicki started in the VCNB Customer Service Department, eventually working her way up to be department supervisor. At that time, Customer Service encompassed not just traditional customer service responsibilities but other work including inputting account information, balancing savings bonds, managing debit card disputes and a host of other things. “We all shared the work. Everyone knew how to do everything and we rotated responsibilities. It was a great group to work with,” she said before describing how she went on to take a position in the bank’s Operations Department in 2007.

As Senior Operations Processor, Vicki has several daily responsibilities, most notably in the area of debit card disputes. “I’ve done debit card disputes for nearly 21 years,” she laughed. “No matter where I went in this bank, they went with me!”

That may be because Vicki has a flair for problem solving, the patience and attention to detail needed to work through a complicated situation and a customer service mindset that helps her appreciate how important this work is to the customer.

But she calls herself a “Jack of All Trades” and emphasizes how well her department works together. “There are things that I do every day and things that I know how to do so I can help if someone needs help or if they’re on vacation. We keep really busy but we work well together. It’s been a great group of ladies and gents to work with,” she explained.

Vicki said that her department is experienced at problem solving – both from having years of experience to draw from and because of their research skills – and that they often serve as a resource for bank employees who need assistance for the customers. “Everything we do is for the customer. Without our customer we wouldn’t have a bank so it’s important to take care of them,” she said.

She is looking forward to retirement, hopeful that she will have the time to simply enjoy life and to spend more time with loved ones. She’s especially looking forward to having more time with her husband and eleven grandkids and may take on a volunteer gig at her grandson’s school. “I have no big plans for sleeping in or anything like that. I just want to see what I can get into!”

She smiles at the thought of lunches with her sisters and beams at the idea she will soon have time to cook big meals for her family – about 75 people including her siblings and their children and grandchildren. “I like cooking and feeding my family but it’s hard to do when you’re working,” she smiled.

“I remember when I was a kid and how simple things were. Time was slower. Life was easier. Sunday was a day to rest and to have a big dinner as a family. You’d sit on the porch and watch it get dark so you could catch lightening bugs. I’m hoping to recapture some of that,” she said while talking about bringing loved ones together.

Never one to be the center of attention, Vicki has asked that her last day of work be low key. In lieu of a party, she requested cake and a quiet celebration with her coworkers in the Operations Department. She will retire Friday, just two days shy of her 21st anniversary with the bank.

Congratulations Vicki! We will miss you!

 

 

 

What To Buy In September

SALE.jpeg

The month of September has some distinct characteristics – school is back in session, football is well underway and the temperatures are starting to drop. Another characteristic of this month is that there are a ton of bargains to be had if you’re shopping for the right things.

Here are nine things you can get deals on in September.

  1. Holiday Airfaire – Planning to fly during the holiday season? Now is the time to secure those plane tickets! Prices tend to start creeping up in mid-October.
  2. Nursery Plants, Shrubs and Trees – By September, nurseries are clearancing plants, shrubs and trees to make room for fall plants but also to prepare for the winter season. It’s better for them to negotiate on the price than to lose perishable plants to cold weather!
  3. Outdoor Furniture and Grills – The same goes for outdoor furniture and grills. Retailers are actively working this time of year to move out the door any seasonal items they have remaining.
  4. Bicycles – Thinking about taking up cycling? Maybe your kid needs a new bike. The season for riding bicycles in Ohio is nearing an end and many big box stores are eager to slim down their inventory until holiday gift buying begins again.
  5. Pool Supplies – Get a head start on next year’s pool season but snagging bargains on pool gear or even a prefab pool right now!
  6. Luggage – Labor Day weekend typically means sales on luggage. Catch a deal on new bags and suitcases for holiday travel or tuck them away for Christmas gifts!
  7. Summer Apparel – Sales on summer shoes and clothes have been going on for several weeks but remaining items are deeply discounted by September. Stock up on those summer essentials like flip flops, sunglasses, tanks and shorts!
  8. Large Appliances – Labor Day also ushers in large appliance season. Look for deals on energy efficient appliances that will save you money in the long run. Many manufacturers will be introducing new models soon and stores are working to clear out last year’s inventory.
  9. Cars – Another industry working to clear out inventory is the automobile industry. Next year’s model cars are already hitting the lots and dealerships need to clear out the old to make room for the new! VCNB can help you with this. Either contact your local branch to discuss your loan or tell the finance department at your dealership that you wish to finance with VCNB. They can take care of the application right from their desk!

What do you always look for in September? Share your tips in the comments section!

 

Protecting the Elderly From Financial Abuse

You, or someone you know, could become the victim of a growing crime in America — financial abuse of older Americans.  Seniors are increasingly becoming targets for financial abuse.  As people over 50 years old control over 70 percent of the nation’s wealth, fraudsters are using new tactics to take advantage of retiring baby boomers and the growing number of older Americans. Senior financial abuse is estimated to have cost victims at least $2.9 billion last year alone.

What Is Elder Financial Abuse?

It’s a crime that deprives older adults of their resources and ultimately their independence. Anyone who sees signs of theft, fraud, misuse of a person’s assets or credit, or use of undue influence to gain control of an older person’s money or property should be on the alert. Those are signs of possible exploitation.  Older Americans that may have disabilities or rely on others for help can be susceptible to scams and other fraud.   Advances in technology can also make it difficult for seniors to know who to trust and what’s safe.

Despite these threats, taking simple steps to safeguard personal information and being aware of warning signs can protect aging men and women from financial abuse.

Tips for Seniors:

What should you do to protect yourself?

  • Plan ahead to protect your assets and to ensure your wishes are followed.  Talk to someone at your financial institution, an attorney, or financial advisor about the best options for you.
  • Shred receipts, bank statements and unused credit card offers before throwing them away.
  • Carefully choose a trustworthy person to act as your agent in all estate-planning matters.
  • Lock up your checkbook, account statements and other sensitive information when others will be in your home.
  • Order copies of your credit report once a year to ensure accuracy.
  • Never give personal information, including Social Security Number, account number or other financial information to anyone over the phone unless you initiated the call and the other party is trusted.
  • Never pay a fee or taxes to collect sweepstakes or lottery “winnings.”
  • Never rush into a financial decision.  Ask for details in writing and get a second opinion.
  • Consult with a financial advisor or attorney before signing any document you don’t understand.
  • Get to know your banker and build a relationship with the people who handle your finances. They can look out for any suspicious activity related to your account.
  • Check references and credentials before hiring anyone. Don’t allow workers to have access to information about your finances.
  • Pay with checks and credit cards instead of cash to keep a paper trail.
  • Feel free to say “no.” After all, it’s your money.
  • You have the right not to be threatened or intimidated. If you think someone close to you is trying to take control of your finances, call your local Adult Protective Services or tell someone at your bank.
  • Trust your instincts. Exploiters and abusers often are very skilled. They can be charming and forceful in their effort to convince you to give up control of your finances. Don’t be fooled—if something doesn’t feel right, it may not be right. If it sounds too good to be true, it probably is.

What should you do if you are a victim of financial abuse?

  • Talk to a trusted family member who has your best interests at heart, or to your clergy.
  • Talk to your attorney, doctor or an officer at your bank.
  • Contact Adult Protective Services in your state or your local police for help.

Tips for Family and Friends:

What are the warning signs of financial abuse?

The key to spotting financial abuse is a change in a person’s established financial patterns. Watch out for these “red flags”:

  • Unusual activity in an older person’s bank accounts, including large, frequent or unexplained withdrawals.
  • ATM withdrawals by an older person who has never used a debit or ATM card.
  • Changing from a basic account to one that offers more complicated services the customer does not fully understand or need.
  • Withdrawals from bank accounts or transfers between accounts the customer cannot explain.
  • New “best friends” accompanying an older person to the bank.
  • Sudden non-sufficient fund activity or unpaid bills.
  • Closing CDs or accounts without regard to penalties.
  • Uncharacteristic attempts to wire large sums of money.
  • Suspicious signatures on checks, or outright forgery.
  • Confusion, fear or lack of awareness on the part of an older customer.
  • Refusal to make eye contact, shame or reluctance to talk about the problem.
  • Checks written as “loans” or “gifts.”
  • Bank statements that no longer go to the customer’s home.
  • New powers of attorney the older person does not understand.
  • A caretaker, relative or friend who suddenly begins conducting financial transactions on behalf of an older person without proper documentation.
  • Altered wills and trusts.
  • Loss of property.

What should you do if you suspect financial abuse?

  • Talk to elderly friends or loved ones if you see any of the signs mentioned here. Try to determine what specifically is happening with their financial situation, such as a new person “helping” them with money management, or a relative using cards or credit without their permission.
  • Report the elder financial abuse to their bank, and enlist their banker’s help to stop it and prevent its recurrence.
  • Contact Adult Protective Services in your town or state for help.
  • Report all instances of elder financial abuse to your local police—if fraud is involved, they should investigate.

 

Show Your School Spirit With A VCNB Debit Card

If you’re looking for a way to celebrate your school spirit and give back to your school, VCNB may have just the thing for you!

With our School Spirit debit cards, you can have a debit card that features your local school’s logo to pump you up each time you swipe your card! There is a $10 annual fee associated with the card but five dollars of it goes back to your school every year.

We are adding more schools all the time but currently have partnerships with Vinton County, Logan Elm, Buckeye Hills Career Center, Circleville City, Jackson City, Wellston, Canal Winchester, Westfall and Teays Valley.

Don’t see your local school represented here? We’re adding more all the time so be sure to comment below and tell us which local school you would like to see us add next! Click here for details.  

 

 

 

 

 

Spotlight: Ohio’s Small Town Museum

Mural

When Charlie Morrison was a boy, he wanted to own a museum. So it should come as no surprise that he has championed Ohio’s Small Town Museum since it began down the street as just some shelves in his family-owned grocery store. “I graduated from the school here and didn’t know a thing about my own town,” he said. “People need to know about where they’re from.”

67416041_1451872351618262_3329583880515616768_nToday, the 88-year-old still works most days at the museum he co-founded along with friend Bob Hines and a host of volunteers. Established in 1975, the museum is run by the Ashville Area Heritage Society and a group of volunteers who pitch in to help wherever needed – cleaning, giving tours, curating artifacts and simply keeping the museum ready for visitors.

The museum occupies the corner of Long and Wright streets in buildings that once were the post office and Dreamland Theater which once showed silent movies. It’s packed with photos, artifacts and memorabilia from Ashville and other small towns in the area.

A museum tour with Charlie is a treat for a history buff as he shares stories and personal experiences that give life to the items that line the museum’s cases and walls. In fact, point to an artifact and wait for Charlie to pull from his personal experiences and tell a story.

The old dairy? He’ll tell you about washing bottles there for fifty cents a day and about the horse drawn wagon used to deliver quart bottles of milk to houses up and down Ashville’s streets. “That horse knew the route better than any of us,” he exclaimed.

Charlie was there to assist in digging items like old class photos and a classroom clock from the trash when Ashville High School closed – ask and he’ll show you his and his wife’s senior portraits on graduating class composite photos that were destined for the dump.

cab companytheater seatsHe can tell you about the technology used to test a driverless car on Ashville’s streets in 1969 and about the tinkerer who invented the world’s first traffic light. Charlie’s enthusiasm for the history of his community is contagious as he muses about the stories preserved as well as the ones that have been lost to time.

His expertise on the town was gathered over a lifetime. Born here, he graduated from Ashville High School and took over the family grocery store in the 1950s. He and wife Mona will soon celebrate 69 years of wedded bliss, living in just one place – the home he built for them his senior year of high school. He’s a former town mayor and councilman and the locals call him Mr. Ashville.

That’s why, even though many have worked to make the museum successful, it’s difficult to separate the museum’s story from Charlie’s own story. Luckily, the museum has an arsenal of fascinating things to say on its own.

The prized item here is the world’s first traffic light which was invented by an Ashville man named Teddy Boor. A prolific inventor, Boor used common household items to create a traffic light that looks like something from the Jetsons. It operated continuously from installation in the thirties until 1982 when it was given a permanent home in the museum. Here, it continues to operate and delight museum visitors.

There’s a collection of books by Ashville authors, military memorabilia, antique toys and a display dedicated to James Reeves Hulse V – the only Munchkin in the Wizard of Oz who hailed from Ohio. The Pickaway County man was born March 16, 1915 and, at the height of 4 feet, 6 inches, was ideal to play the part of a Munchkin villager in the 1939 classic.

The last edition of The Pickaway County News, printed July 31, 1969, rests atop an old newspaper proof machine. An entire section is dedicated to longtime Ashville physician Dr. Ralph Hosler while a sign for the Ashville Cab Company occupies a small but prominent spot beneath an antique telephone. Offering 24-hour service, they requested that customers “Call us for pickup and delivery service” at YU 3-2501.

Museum guides will even tell you the story of Buster, the dog who voted for Herbert Hoover in 1928, and of Chic-Chic, the pet chicken who bought his own lunch at a local restaurant for years. Chic-Chic was the pet of Mrs. A.B. Cooper. Every day, Mrs. Cooper would drop a dime on the kitchen floor and say “Chic-Chic, go down to Clyde Brinkers’ and get yourself something to eat.” The chicken would pick up the dime with his beak, and walk to Clyde Brinkers’ restaurant on Ashville’s Long Street where he dropped the dime down on the step. Then he would peck on the door and wait to be fed. Locals still called him the King of Ashville at the time of his death in the 1950s.

67352699_2085485081757304_3404277265918328832_nThere literally is a treasure or charming story in every nook and cranny of the museum and new items are added all the time. One local resident dropped off a vintage camera while we were visiting and someone else had donated a box of pictures from an attic a few days earlier. “When we were getting this started, I think we were in every home and every attic in Ashville looking for things,” Charlie exclaimed with a laugh. “Attics are the best because people put stuff up there and forget about it. Unlike a basement which is always damp, the attic stays dry and the items are preserved.”

Charlie laments how little people know about their own communities – not just in the past but today as well – as modern people prefer television and iPhones to sitting on the porch and visiting; internet shopping over supporting a small business; and driving out of town for entertainment over letting their kids ride bicycles and play with their neighbors.

Yet he recognizes that times have changed and that this is just a natural part of life.  “I just want kids and people in this community to know where they came from, to know about their towns whether it’s Ashville or South Bloomfield or some little town that people have forgotten about,” he said. “I like telling about the little town of Ashville and all the crazy things that have went on here over the years.”

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Ohio’s Small Town Museum is located at 34 Long Street in Ashville. Call them at 740.983.9864, follow them on Facebook or visit their website. The museum is open Tuesday through Friday 9 a.m. to 3 p.m. and Saturday 9 a.m. to noon. Admission is free but donations are welcomed.

Want to help? They are always looking for Ashville area people to volunteer. You can also join the Ashville Area Heritage Society – rates start at $10 a year for senior citizens and $20 for individuals. Families, organizations and small businesses are $25 a year and large businesses are $200.

New ATMs Are Coming To Most VCNB Branches

Exciting changes are coming to the ATMs at most of our bank branches! These modern ATMs essentially are a 24-hour branch for basic services that you can access from your car.

The new machines have larger, easy to read touch screens and a couple of features that our customers are already loving.

With intelligent deposit, customers are able to deposit both checks and cash without an envelope. Because of this, immediate access is granted to all the cash you deposit. Better yet, up to $500 of a check can be immediately accessed.

That means when depositing a check, you can immediately withdrawal up to $500 of that amount!

VCNB Vice President of Operations Bryan Radabaugh said that the new machines have been well received so far. “People seem to be loving it. They’re easy to use, easy to read and they give you access to your funds much more quickly than the old machines,” he said.

Making a deposit with these machines is easy. Simply insert your debit card, hit deposit and follow the prompts on the screen. Because deposits are not in an envelope, the machine reads each check and each bill individually, allowing the machine to calculate the deposit amount and allowing the customer to know their money is all accounted for in the deposit. If the customer disagrees with the machine’s calculations, there is an option to request the funds be returned to the customer rather than proceeding with the deposit.

The customer’s receipt for the completed transaction indicates the number and type of bills deposited, along with images of the checks they deposited.

This is a far cry from the old style machines which require customers to place their money in envelopes. Because the machine cannot tell whether the envelope is empty or full or whether the amount the customer types in is the correct amount, customers using the old machines have to wait to access their funds on the next business day.

Radabaugh said that his reports show ATM deposit usage has seen impressive increases in the branches with new ATMs. “We’re seeing a lot more people deposit in the evenings after the bank closes and even in the morning before hours. Sundays are also busy because many people are simply unable to bank during conventional hours,” he said.  “We don’t want anyone feeling like they’re not welcome in a branch but this is another channel for someone who struggles to make it into the lobby.”

The project, which started last fall, will be completed in early 2020. Branches with completed ATMs are Pataskala, Logan, McArthur, West Fair Avenue in Lancaster, Bremen, Laurelville, Commercial Point, Circleville and Grove City. A new ATM will be installed in Ashville in time for the opening of that new branch this summer. Customers at any of the above branches can request a demonstration from branch staff. Our employees will be happy to help you!

 

VCNB Customers Can Access Over 32,000 Surcharge Free ATMs

VCNB rolled out something earlier this year that’s been a game changer for many of our customers. It’s called MoneyPass®. Have you heard of it?

No?

Well, keep reading because we think you’ll like what we have to say.

MP_2CF(lg) [Converted]Moneypass is a network that allows VCNB customers to use more than 32,000 ATMs nationwide surcharge free! It’s easy for you to use and will provide you with access to an ATM nearly anywhere you go in the United States.

This means you can still access your VCNB accounts via an ATM without paying a surcharge when you’re on vacation, away at college, traveling for work or visiting family coast-to-coast.

Here’s how it works!

  1. Visit their website or download the MoneyPass app.
  2. Search the zip code where you need an ATM.
  3. Choose the ATM you wish to visit!

MoneyPass will even give you driving directions to your destination. It’s as easy as 1-2-3! Visit the MoneyPass website to get started or visit the App Store on your mobile device to download the MoneyPass app today!