Banking Convenience, Leading Technology With Mobile Deposit

Depositing a check with Mobile Deposit is an easy way to take care of your banking business without a trip into the bank!

Here at VCNB we are taking time this fall to be thankful for all the great ways technology has made banking easier for our customers. Here’s a peek at just one of several. Want to know about other popular technology products that we offer our customers? Click here! 

While you can get cash from an ATM or even while paying at the grocery store, depositing a check keeps some customers coming into the bank even when they don’t have the time to spare. Thanks to Mobile Deposit, customers no longer have to do that. Instead, they can opt to deposit their check whenever and wherever is convenient for them.

Working through lunch? Can’t make it in during business hours? No time for errands? No problem.

Simply use the camera on your mobile device to submit images of your check through our mobile app! It really is that easy.

Here’s what you do:

  1. Log in to your account in VCNB Mobile.
  2. Choose Deposits and then press Deposit a Check.
  3. Choose the account where you want the deposit to be made.
  4. Enter the amount of the check.
  5. Endorse your check with your signature and the phrase “Mobile Deposit.”
  6. Photograph both the front and back of the endorsed check.
  7. Review and confirm deposit details and hit Yes to complete the transaction.

It’s a quick process that can save you loads of time driving to the bank. Whether it’s from home in your jammies or on a break from work, you can make that deposit whenever and wherever you have a free moment!

Don’t already use our mobile app? Find it in the app store on your mobile device by searching VCNB Mobile.

Find Leading Technology And Local Support At VCNB

Here at VCNB we strive to offer customers best in class leading technology. In fact, we have everything the big banks offer but with community bank service and local values.

While we take for granted that our customers know about all this great technology, we find that some customers still haven’t heard that they can deposit a check using their phone or that they can send money to a friend with Zelle® in our mobile banking app. We find they don’t know they can pay bills on the go or that our app makes banking as easy as 1-2-3.

That’s why we will be spending the next few weeks talking about some of the leading technology we offer. This technology makes it easier for you to keep track of your money, open accounts and bank whenever and from wherever is most convenient for you.

Here’s an overview of some of these services and we promise to talk more in depth about a few of them soon!

VCNB Mobile and VCNBfamily.com – Use our website and mobile app to check balances, pay bills, transfer funds, view account statements and even open accounts. It’s like carrying a bank branch with you everywhere you go! Both are free and easy to use and give you access to a ton of great options including those below.

Mobile Deposit – Customers who use our mobile app love that they can deposit a check using the camera on their mobile device. It’s easy and quick! Click here for instructions and to get started today.  

Online Bill Pay– There’s no need to stand in the post office line when you can pay bills without even leaving your chair! Log in to your online banking to sign up for Online Bill Pay to schedule bills to pay automatically or on demand.

ZelleZelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank. Find Zelle in Online Bill Pay on VCNB Mobile or in your Online Banking.

Account Alerts – Keep tabs on what’s happening with your accounts when you want to be notified about certain activities. Sign up for any of our almost two dozen account alerts to be sent via text or email. Want to be notified if your card has been used? Perhaps you want to know if a check has cleared, that a loan payment is due or if your balance dips below a certain amount. It’s easy and free to sign up in your Online Banking!

Mobile Wallet – Leave your VCNB credit or debit card in your wallet and pay for purchases with Apple Pay®, Google Pay and Samsung Pay! These mobile payment options are contactless and have built in security measures. Visit the app store on your mobile device to get started!

MoneyPass® – Need cash quick but aren’t near a VCNB ATM? Find a surcharge free ATM near you by searching MoneyPass.com or on their mobile app. VCNB belongs to this extensive network which includes over 32,000 surcharge-free ATMs nationwide. No need to sign up! Just look for the MoneyPass logo and insert your card!  

Rewards Checking Account – Earn uChoose Rewards for your everyday banking behaviors like direct deposit, bill pay and swiping your debit card with our Rewards Checking Account. Earn rewards like cash back, gift cards, travel and event tickets! Have a Visa® Platinum Favor Credit Card? Earn points for using that as well.

Ready to get started but still have questions? Chat online or call our Customer Service Team at 1.800.542.5004. You can also speak to a banker in your local branch today.  

Bruce Block To Retire Friday

VCNB Lender Bruce Block will finish his forty year career in banking and finance when he retires Friday. In doing so, he will turn the page to a new chapter in his life’s book. “I have enjoyed my years in banking and finance and have met a lot of people and made friendships that I hope will continue,” he said. “However, I’m looking forward to moving on to something different.”

Lender Bruce Block will end his forty year career in banking on Friday.

The Pennsylvania native began his career as a management trainee with a finance company in Yuma, Arizona. When they transferred him to Columbus, Ohio, his career took off and he spent the next four decades forging relationships and hitting his stride in a range of finance and banking areas. He trained younger employees, worked in collections and did all types of lending. Before coming to VCNB, Bruce had worked fourteen years as the Head of Consumer Lending for a community bank in Logan.

He joined the VCNB family as a Retail Lender in McArthur in 2015. It quickly became clear his connections with dealerships across Ohio would make Bruce a great fit in the bank’s growing Indirect Lending Department. So for the last four years, he has helped customers who wish to finance their vehicle purchase from the comfort of the dealership while working closely with the dealers who make that happen.

“These aren’t just business acquaintances. I’ve gotten to know a lot of people over the years and have developed good relationships with many dealers,” Bruce said. He went on to describe the lessons he has instilled in a new employee he has been training. “The key to being successful is developing relationships with people. Find common ground so that you have something to relate to when you’re talking. For me, it might be running or soccer or the fact I lived in Arizona for a while and they did too. Building relationships with people will help you become successful and will help you enjoy your job more.”

Bruce has many interests that he enjoys pursuing outside of work. He has been a soccer referee for eighteen years and will soon take on a new title as the Miller High School Boys Junior Varsity Basketball Coach. Bruce also enjoys running and working out at the gym.

The self-described lifelong learner is an avid reader who enjoys substitute teaching at the high school level. He has a bachelors degree in Public Administration and Social Science from Waynesburg University in Pennsylvania, a masters in Social Science from Ohio University and his teaching license in Social Studies. He also takes online classes from the University of Chicago as time allows.

“I believe there is no such thing as too much education,” Bruce explained. He went on to describe a letter of recommendation from a professor at OU who said she had never seen a student who pursued learning for the sake of learning the way that Bruce did, all while juggling family and career.

Bruce has a grown daughter and a stepson. His wife Korrie is a teacher in Athens County where they reside near Glouster.

“I have enjoyed my forty years in banking and finance. I’ve had the opportunity to meet many good people, interesting people, and to learn a lot from working for different people. Looking back, I have to wonder where the forty years went. Time goes so quickly as the days become weeks and the weeks become years.”

The bank will host a reception in Bruce’s honor at our Friendly Bremen Banking Center on West Fair Avenue from 11 a.m. to 1 p.m. on Friday.

Small Business Spotlight: Rushcreek Feed and Supply

Rushcreek Feed and Supply Company has been a Bremen landmark and gathering place for sixty years. They’ll be celebrating that big anniversary with an event this Saturday.

With a wide selection, personal service and a large delivery area, it’s no wonder they have a loyal customer following.

Manger Justin Shumaker talked about their selection of products which is almost too long to remember. In fact, they pride themselves on being a one stop shop for livestock feed, pet food, lawn and garden needs, fertilizer and much more. That list includes:

  • Fencing Equipment
  • Pet Feed and Supplies
  • Garden Supplies and Tools
  • Honey Bee Supplies
  • Deer Minerals and Products for Hunting
  • Banks Deer Blinds and Feeders
  • Arrowquip Cattle Handling Equiment
  • ADS Plastic Piping
  • Birdseed, Squirrel Food and Supplies
  • Livestock feed and products for goats, chickens, pigs, cattle and horses
  • Propane
  • Custom Blended Fertilizers
  • Water Softener Pellets
  • Mulch
  • Custom Mix Feed for All Species

They also buy corn, beans, oats and wheat and offer delivery and a number of other services.  For example, they provide custom application of fertilizer as well as custom spray applications for fields.

“So many people rely on the customer service from a small company like us as opposed to a box store. We’re more versatile in a lot of ways like in making custom feeds. Only a local mill like this can provide this service,” Shumaker said. “Small businesses and small towns rely on good customers. We like to help our customers as much as we can and they like that they know us when they come in. That helps a lot.”

It all began on June 21, 1961 when five local farmers partnered to purchase the Brown-Burnworth Company from Bessie Brown. That company had been on this site since 1915 and had put Bremen on the map for its name brand Eagle Flour. There had actually been a mill here for many years before that. In fact, their office building was constructed in 1853.

Those farmers who partnered to organize Rushcreek Feed and Supply were Robert Pontious, Raymond, Scholl, Art Kelly, Joe Killbarger Sr. and Joe Kilbarger Jr.

Over the years. There have been numerous updates to the facilities to allow for expanded capacity and the addition of new products.  Today they employ eleven people and are on the lookout for some more help.

Join them this Saturday, August 28 to celebrate their 60th anniversary. From 10 a.m. to 1 p.m. there will be food, door prizes and some vendors on site. The public is invited to attend this free event.

Rushcreek Feed and Supply Company is located at 103 W. Broad Street in Bremen. Call them at 740.569.4105 or follow them on Facebook.

Small Business Spotlight: Rivers Bend Bike Shop

Being a small business owner is a tough job! That’s why we feature a different small business in our Small Business Spotlight every month. Today we talk shop with the owner of Rivers Bend Bike Shop!

Jamie Sharp has loved bicycles for as long as he can remember. That enthusiasm shines through when he talks about his business Rivers Bend Bike Shop in historic downtown Chillicothe. The shop offers bicycle sales and service along with a host of accessories and products for cyclists of all ages and experience levels.

Sharp actually started working in a local bicycle shop when he was just a kid. “I needed a bike to go riding with a buddy and two girls. I had narrowed it down to a Rink’s bike that was cheap and in my budget or this bike shop bike that was so much nicer but a little more money. It was white with red and gold trim –  a Scorpion bike. I went back and forth but went for that better bike and I’m so glad I did. That was my first lesson in how you get what you pay for when it comes to bikes,” he said.

Sharp says the number one question he gets every day is whether he does bicycle repair. “Yes! I do repair bicycles. That’s one of the big things that a bike shop does and people bring me their bikes for tune-ups and for all sorts of reasons,” he said.

While a bicycle seems like a straightforward thing to put together, they tend to be more complicated than a lot of people realize and are often assembled incorrectly by people who do it at home or at the big box stores.  “You see a lot of the same problems when they’re not put together by someone who understands bikes. People bring them in with serious things wrong that make the bike harder to ride and less safe,” he said. “A guy recently brought in a bike and the handlebars were on backwards. He said it was like riding a different bike after that. It seems like a simple thing but these are common mistakes.”

He also sells a full line of bicycles to fill every need. “When I was a kid it used to be a cruiser or a ten speed. Now you have all kinds of bikes for specialties,” he said as he described the store’s selection that includes adult comfort bikes, road bikes, mountain bikes, gravel bikes, Ebikes, BMX bikes and all kinds of kids bikes.

Sharp said that he aims to not just sell or service a bike but to truly help the customer. “A lot of times people have questions or they need a little direction. I’m happy to listen, offer advice. People come in only to look around and realize that I’m not just trying to sell something. I’m trying to help them out too.”

This is the kind of service offered by most bike shops but traditional bike shops are becoming more difficult to find. “Years ago, every town around here had at least one bike shop,” he said as he began reminiscing about all the bike shops that once existed in the area. “Now people have to travel just to find one so I guess it is pretty unique that we’re here.”

Sharp first opened his own shop in 2008. Locals may remember Rent and Roll along the bike path in town where he rented roller blades and bikes. The following year, he relocated to a Water Street location where he became a full service bike shop. He grew again two years ago, moving just around the corner to a Walnut Street location with off street parking and more display space.

He noted that the pandemic has been good for hobby cyclists but has created some challenges for people in his line of work. “People want to get outside, they want to exercise and a bike is a great way to do that. You could get out of the house, exercise even when the gyms were closed and have fun so the bike world really took off last year,” he said.

Unfortunately, the pandemic caused supply issues as well since it became harder to get in new bikes and parts. “I sold every bike I had. I sold every used bike I had at home and whenever I was able to order bikes, they would be sold before I got them here. It’s been a tough year.”

Sharp is an avid mountain biker who supports the biking community as a trail steward for Great Seal State Park and as an active member of Columbus Ohio Mountain Biking Organization or COMBO. This group advocates for new trails around central Ohio and in Ross County. Here, Sharp hopes to see more mountain bike trails developed to appeal to overnight guests. “Some of the best mountain bike trails in the state are right here but we need more to entice people to come ride. We want them to stay longer and spend more money in our community,” he explained.

He also encourages use of the bike and walking path that uses the abandoned B&O Railroad corridor to connect Chillicothe and Washington Court House. Locals call it the floodwall but it’s actually called Paint Creek Recreational Trail and offers 32 paved miles for exercise and recreation.  “It’s a great place to get out and go for a ride,” he exclaimed.

What is it about bicycles that he loves so much? “I’ve been asking myself that for a long time. It’s the freedom of being on two wheels. You’re in total control of those two wheels and where they go. That makes me happy. If you think back, the first feeling of freedom when you were a kid was on a bike. Some of us just never lost that,” he said.

River Bends Bicycle Shop is located at 86 N. Walnut Street in Chillicothe. Stop by, call them at 740.779.0061 or follow them on Facebook.

Six Ways To Save On Groceries Today

It’s a necessary purchase and one of the most expensive line items in most household budgets. What is it?

Food.

Everyone has to eat and it can be costly but there are some ways to eat healthy and for less simply by making a few adjustments to eat with the seasons.

  • Eat what’s in season. It typically costs less, isn’t shipped as far and tastes better. For example, melons, berries, cucumbers, zucchini, sweet corn, green beans, tomatoes, cherries and a host of other fruits and vegetables are in season during the summer. In the fall, look for pears, apples, broccoli, sweet potatoes, pumpkins, peppers and eggplant. Each season offers different bounty and new opportunities to switch up your diet.
  • Go for fresh. Those prepackaged salads are quick and look good but can go from attractive to limp or slimy quickly. Fresh romaine, head lettuce and spinach make a great salad and will last longer. Pre-cut veggies and melons are convenient but cost far more per pound that cutting melon or celery for yourself.
  • Go for frozen. Frozen fruits and veggies are typically picked when ripe and then flash frozen. That means frozen produce is a good substitute for fresh. However, beware the frozen prepared meals which often are packed with sodium and sugar and cost more for their convenience.
  • Eat (and take care of) what you have. How many times have you loaded up your cart with tons of fresh produce only for it to rot in the fridge? Make sure you’re either eating what you buy or learn what can be frozen for later. For example, grapes are an amazing treat when frozen. Even odds and ends of leftover vegetables make a great base for soups or omelets. Fruits go well in smoothies or baked goods.
  • Go meatless. Meatless Monday has long been a popular concept and summer is a great time to try that out. With an abundance of fresh from the garden produce, there’s a world of recipes and meal combinations to entertain your taste buds.
  • Preserve it for later. Learn what kind of produce freezes well. Then you can snatch up deals while the selection is abundant and enjoy the season’s bounty when the price is higher again later.
  • Shop local. By shopping farmers markets or farm stands, you’re getting seasonal foods and supporting a business in your community.

How do you cut grocery costs and still eat healthy? Tell us in the comments. We would love to hear from you!

Four Ways VCNB Makes Money Easy

Give yourself a break this summer and learn how easy money management can be with VCNB.

The kids may be getting a break from school, but you still have to work and the bills need to be paid. Luckily, VCNB has some tools you can use to ease the burden of managing your money and even give you a break from worry.

Online Bill Pay

Simplify your financial life by paying your bills online – either by scheduling them on demand or by scheduling recurring payments. This way you’re sure not to miss a payment and can save your bill paying time for a little R&R!

Mobile App                                                                                                                     

VCNB Mobile enables you to check on your accounts and to bank from almost anywhere. From the beach, from the top of a Ferris wheel or from your couch on a much needed staycation, VCNB Mobile allows customers to transfer funds, pay bills, open accounts and more. The security of this app is top notch to allow for banking without worry.

Cash On The Go

VCNB belongs to the MoneyPass® network of ATMs. With 32,000 ATMS nationwide, VCNB customers can usually find an ATM not far from wherever they are in the country. Traveling for leisure or for work? Just tooling around town? Check out www.moneypass.com to find an ATM near you!

Earning Rewards

Summer can be an expensive time as you may be traveling, buying back to school clothes or entertaining more than normal. Earn points for your purchases every time you use your VCNB Rewards Checking account or your Visa® Platinum card. These UChoose® Rewards can be used to pay for travel, event tickets, gift cards, merchandise and more! Customers with VCNB Rewards Checking can even earn cash back for their regular spending when they register their debit card with UChoose!

Have questions about these and other bank products? Talk to your banker or find more details at https://www.VCNBfamily.com!

VCNB Introduces Zelle In Its Mobile App

Zelle® Makes it Fast, Safe and Easy to Send Money Digitally to Those you Know and Trust With a Bank Account in the U.S.

Vinton County National Bank today announced that Zelle® is now live in its mobile app, VCNB Mobile and through online banking.

VCNB Executive Vice President of Marketing Audra Johnson said the bank is pleased to offer this modern, free and safe way for customers to send money to someone else. “We’re excited to provide Zelle to our customers. It is a fast and easy way to send money to someone, receive money or even split a bill. Best of all, it’s secure. Person to person payments have become the norm in our society and Zelle outperforms all other platforms. We are confident our customers will love it!”

The Zelle Network® includes financial institutions of all sizes. For more than 140 million consumers, Zelle® is already available from the convenience of their mobile banking app, making digital payments a fast, safe and easy alternative to cash and checks. Money sent with Zelle® goes directly from one bank account in the U.S. to another, using only a recipient’s email address or U.S. mobile number. Funds are typically available within minutes when both parties are already enrolled with Zelle®.

Consumers who are not enrolled and receive a payment notification or a request for payment can enroll through their financial institution or by downloading the Zelle® app if their financial institution does not participate. Consumers should only use Zelle® to send and receive money with friends, family and people they know and trust.

Zelle is free to use within VCNB Mobile and VCNB Online Banking.

About Zelle®

Brought to you by Early Warning Services, LLC, an innovator in payment and risk management solutions, Zelle® makes it fast, safe and easy for money to move. The Zelle Network® connects financial institutions of all sizes, enabling consumers and businesses to send fast digital payments to people they know and trust with a bank account in the U.S. Funds are available directly in consumer bank accounts generally within minutes when the recipient is already enrolled with Zelle®. To learn more about Zelle® and its participating financial institutions, visit https://www.zellepay.com.

VCNB Spotlight: Lancaster Festival 2021

When the Lancaster Festival makes its return this year, things will look a little different. However, the quality of the acts, the devotion of the volunteers and the celebration of the arts will be as powerful and enthusiastic as ever. Changes were made this year to make the event safer for audiences and performers in these pandemic times after taking a year off in 2020.

With less than a month to go before the nine day event, Executive Director Deb Connell says efforts are ramping up to make this “the best show we can and keep everyone safe.”

The event is a little shorter than normal and there will be no indoor performances but the schedule is still packed with impressive performers including Lancaster’s own world class symphony orchestra and acts to appeal to any audience. World renowned guitarist Don Felder will headline the festival. The former member of The Eagles helped to develop that band’s sound, penning some of their biggest hits including “Hotel California.”

“He’s one of the best guitarists in the world. He invented the doubled necked guitar and wrote a lot of the Eagles’ music. People may not remember his name but they know his sound and they love his music,” Connell said.

Other headliners include Dancing Dream – An ABBA Tribute Band and country music group The Band Perry. There will also be performances and events at venues around town including events for children and families and an array of musical genres designed to suit every taste. For example, bluegrass group String Therapy will perform in downtown one night while another night will feature renowned jazz artists when The Byron Stripling Band take the stage with guest Bobby Floyd. “Byron Stripling is a world famous jazz musician who played with Dizzy Gillespie, Wynton Marsalis and a lot of the greats. This is a big deal having him here,” she explained.

A Percussion Ensemble and a Soloist’s Spotlight will feature the talents of members of the Lancaster Festival Orchestra which is one aspect that makes this festival unique. “Our orchestra musicians come from all over the country and all over world. They are wonderful, professional musicians who are top notch in every way. They all have other opportunities to perform but they choose to come here and to spend this time with the people of Lancaster and creating beautiful music for us. We should be proud of that,” she said.

Proud indeed. Those orchestra members are hosted by local families who provide their hospitality at no cost to the musician or the festival. “Some of these musicians have been coming here for years and years. They were young professionals at the time they began and now they bring with them spouses and children. They’ve built relationships with their host families that extend beyond the festival. Some vacation together, they’ve shared weddings and births and all kinds of celebrations. So many of them have such a shared history they love each other like family,” she explained.

This is just one way that volunteers help to run the festival. There is actually a small army of volunteers who take on projects both big and small. While the festival has two full time employees and a handful of seasonal employees during the festival week, it is actually the volunteers that make the event work. “We couldn’t do it without our volunteers. There are about 400 of them. That’s what it takes to make us successful. That’s what it takes to have an event of this scale,” she said. “Everyone associated with the festival owns a piece of the festival and they love and care for it as though it were their own. We did an impact study a few years ago and found that those volunteers give about 28,000 hours of time each and every year.”

There are some changes to insure safety for all this year. For example, the orchestra will be a little smaller than its normal 63 piece size to allow for social distancing on the stage. Connell said that Conductor Gary Sheldon has carefully selected arrangements that will provide audiences the same impressive sound with fewer musicians. “People will not notice any change in the quality of the music.”

Table seating must be purchased in advance in sets of ten this year and gates will open a little later than in past years. Festival events at Ohio University – Lancaster will be smoke free this year since OUL is now a smoke-free campus.

Tickets are on sale now and Connell advises buying early to insure you can attend the events of your choice. In addition to music, there will be other events including the much anticipated Artwalk and the Festival Fair Day.

Want more information? Want to buy tickets, become a volunteer or learn about sponsor opportunities? Call 740.687.4808, email Deb at dconnell@lancasterfestival.org or visit them online at www.lancasterfestival.org. There’s a form you can fill out to become a volunteer as well as the full schedule of events and much more. Get all the latest news and information by following Lancaster Festival on Facebook

The Lancaster Festival will be held July 23 – July 31. Mark your calendars, buy those tickets and be prepared for live music!

Teens Gain Money Management Skills With Student Checking

If you have a teenager in the house that means you have a child who is a few short years from being out on their own. What skills do you want them to have when they go off to school or to start a new career?

Chances are that good money management skills are on that list.

Whether they have a part time job or just an allowance, odds are your teens have some money to manage. Before they are expected to manage large sums, it’s best they learn to manage small amounts too!

That’s why VCNB offers a Student Checking account. This account is designed to help teens learn how to manage money, keep a debit card safe and learn some financial independence.

Here are some things to know.

This account is for teens ages 14 to 17 and requires that a parent or guardian be a joint owner of the account. There is no minimum balance requirement or fees for electronic statements. The account comes with a free standard debit card.

Like all VCNB accounts, Student Checking gives the account holder access to account alerts, online and mobile banking so that your teen can learn to successfully keep track of and spend their money. They can also access over 32,000 surcharge-free ATMS nationwide through the MoneyPass® network.

Learn more about our banking options for teens and to get started by opening a new Student Checking account online.