Banks NEVER Ask That

Can You Spot a Phishing Scam? Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. And in this time of expanded use of online banking, the problem is only growing worse. In fact, the Federal Trade Commission’s report on fraud estimates that American consumers lost a staggering $1.9 billion to these phishing schemes and other fraud in 2019 — and the ongoing pandemic has only increased the threat. Imagine where we are in 2020.

It’s time to put scammers in their place.

Online scams aren’t so scary when you know what to look for. At Vinton County National Bank, we’re committed to helping you spot them as an extra layer of protection for your account. We’ve joined with the American Bankers Association and banks across the country in a nationwide effort to fight phishing—one scam at a time. We want every bank customer to become a pro at spotting a phishing scam—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That. Because when you know what sounds suspicious, you’ll be less likely to be fooled. These top three phishing scams are full of red flags:

Text Message: If you receive a text message from someone claiming to be your bank asking you to sign in, or offer up your personal information, it’s a scam. Banks never ask that.

Email: Watch out for emails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from you bank, but it’s a scam. Banks never ask that.

Phone Call: Would your bank ever call you to verify your account number. No! Banks never ask that. If you’re ever in doubt that the caller is legitimate, just hang up and call the bank directly at a number you trust.

You’ve probably seen some of these scams before. But that doesn’t stop a scammer from trying. For more tips on how to keep phishing criminals at bay, including videos, an interactive quiz and more, visit http://www.BanksNeverAskThat.com. And be sure to share the webpage with your friends and family.

What’s Your Scam Score? Take five minutes to become a scamspotter pro by taking the #BanksNeverAskThat quiz at BanksNeverAskThat.com. Share your score on Twitter to encourage your friends and family to test their scam savviness, too. The more scamspotters out there, the harder it is for phishing criminals to catch their next victim!

October is National Cybersecurity Awareness Month, which means there’s no better time than now to boost your scamspotting knowledge. Take the five-minute quiz and become a scamspotter pro! Share your scam score on Twitter for a chance to win weekly prizes, courtesy of the American Bankers Association. Each Friday in October the ABA will draw fifteen winners. One lucky grand-prize winner will receive $1,000—will it be you?

Small Business Spotlight: Ohio Steel Recycling

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!

Have some scrap metal in your way? Ohio Steel Recycling will be glad to take it off your hands and pay you for it too.

The company buys a long list of scrap metals from both commercial businesses and individuals. “We don’t care if you bring us a truck full of junk cars or just a trunk full of scrap from around your yard. We’re happy to take it all and will pay you for it,” owner John Belcher said. “That’s better than letting it sit in your way!”

They buy scrap metal that can be upgraded into materials to sell for recycling. For example, junk cars go through a process where they are drained of all fluids including gas and oil before the exhaust, wheels, tires and catalytic converter are removed. The metals and rubber can be recycled while the fluids like gas and oil must be properly disposed of by EPA standards. The car is then run through a compacter before being sold to another facility that will shred and separate the metals for recycling into other useful products.

This is helpful to the environment as it is more eco-friendly friendly to reuse metals than it is to mine more. It also prevents tons of materials from hitting landfills. “The environment would be a lot worse without places like this. Imagine if all this was sitting in a dump somewhere,” he said, gesturing to the hundreds of crushed cars that are stacked and waiting to be hauled off for recycling.

Cars are stripped of hazardous and valuable materials before being compacted and hauled away to be shredded. The shredded metals may be recycled and made into useful products.

But they take more than cars. They accept all sorts of junk vehicles and equipment as well as other items like appliances, copper wire and tubing, iron and steel scrap, aluminum scrap, cast iron, lead, brass and brass alloys, zinc and zinc alloys, demolition scrap, and industrial and manufacturing scrap. The list is quite long and includes almost everything metal.

For the average person, this could mean garage doors, metal siding, old plumbing, a car part or the refrigerator they just replaced.

There are some exceptions. They don’t take anything hazardous, toxic or radioactive. They don’t take any closed containers under pressure like propane or gas cylinders, fire extinguishers or aerosol cans that could explode. Liquids including gas, oil, paint, propane and water aren’t accepted either.

Copper wire that has been stripped from tubing awaits recycling.

Used bullets from a local gun range are among salvage materials that most people wouldn’t even think of as an opportunity to recycle. Copper wire is stripped from tubing, appliances are dismantled and everything that can be recycled is prepared to be trucked out to their next step in the recycling process.

John is always on the lookout for ways to expand the business and said they are about to begin accepting aluminum cans. “Aluminum cans are sort of a break even commodity for us but if it helps the customer, I think we should do it,” he said. “Besides, if they’re bringing us cans, they may realize this is a good place to bring other things.”

One customer hauled in an assortment of metal scrap in a bathtub. “You see all kinds of things in this line of work,” laughed John Belcher.

He works to keep his area as neat as possible given their line of work and encourages employees to remember “just because we’re a junkyard doesn’t mean we have to look like a junkyard!”  He went on to say “people don’t want to bring their nice cars into a bad place. Besides, we want to be good neighbors and keep things as clean as possible.”

John is also conscious of how the pandemic has impacted his business as well as other people and businesses. “It’s been a hard time for a lot of people. We closed for a couple of months and used the time to do some projects here. We’re open again but we’re not back to where we were in April. Honestly, I’m just looking forward to when things get better.”

John and his wife Dusty work together. They’ve been married for twenty years and have seven kids and five grandkids. He’s a Columbus native, living now in Grove City, but looking forward to someday moving back to the country near Stoutsville. He chats freely about the business, family and about finding a work-life balance. “Life is short and it’s important to appreciate the people in your life and the time that you have. Work is important and I really like what I do but you have to enjoy life to its fullest. Every day is important and I need to do better for sure but I’m trying,” he said.

Ohio Steel Recycling is located at 13141 National Road, Etna. Call them at 740.927.5384 and visit them online at www.ohiosteelrecycling.com.

Act Now To Be Ready For Winter

Save yourself trouble later by cleaning out those gutters this fall. While you’re up there, inspect your shingles for damage.

It may only be September but winter will be here before you know it and these moderate autumn days are a great time to prepare for harsher conditions. There are a number of small and large projects around the house that could prevent major problems, save money and head off headaches.

When it comes to preparing for winter, an ounce of prevention is worth a pound of cure. Here are some ideas for getting started!

Inspect your shingles. Make sure they’re intact and none are loose or damaged. Compromised or missing shingles will allow for further damage including roof leaks from rain and snow.

Tidy up outdoors. Drain water from the garden hose, gather garden tools, clean outdoor furniture, toys and appliances, empty flower pots of dead flowers and store these things away someplace safe until spring. Turn off exterior faucets and don’t forget to drain the water that remains in them. Have leaves in your yard? Mow over them. The small cut pieces will fall into the grass and decompose, nourishing your lawn through the winter.

Inspect your gutters. Are your gutters and downspouts securely attached to the house? Are they clear of leaves, tree branches and debris?

Call on a heating pro. Have your furnace or heat pump inspected to make sure it’s in good working order and safe to operate. It’s better to spend a little on a maintenance call now than to be without heat on a cold day this winter. While you’re at it, replace the filter and develop a habit of replacing those filters regularly.

Keep warm air inside. Use weather stripping around doors and windows to stop drafts. Replacing door seals and door sweeps is another cost effective way to keep cold air from seeping inside. Use exterior caulk to seal around siding, windows and door frames outside.

Reset your ceiling fan. Did you know that your ceiling fan operates both clockwise and counterclockwise? Put your fans on the clockwise setting to force warm air that gathers near the ceiling down into your living space. Remember to select the slowest speed as a higher speed will cause a draft.

Consider insulation. Check the insulation in your attic and basement. Is there enough to counteract heat loss? Also remember to insulate those pipes to prevent freezing. Frozen pipes can burst, wreaking havoc on your home and budget.

Chimney sweep – If you have a chimney, prevent fires and carbon monoxide poisoning by hiring a professional to clean your chimney.

Replace batteries – Make sure all smoke and carbon monoxide detectors are working by replacing the batteries and testing them every fall and spring. Heating sources are a leading cause of fire in the winter so keep yourself and your family safe with this small step.

Prepare for emergency. Poor weather can keep you homebound and power outages can create challenges for staying safe and entertained. Stock up non-perishable food supplies and water to last several days. Also keep on hand flashlights, batteries, candles, matches, medicines, pet supplies, gas for the grill and a power bank for cell phones. Don’t forget some board games and books for entertainment as well as salt for the sidewalk, a sturdy snow shovel and gas for the snow blower for digging out after a snowstorm.

Now that you know about preparing your home for winter, do you want to know more about being ready for a snowstorm? Click here for tips from Ready.gov.

Kim Carpenter Will Retire Friday

Kim Carpenter has spent her entire career in banking and it shows. The drive thru window teller will retire Friday from her post at Ross County Banking Center on Main Street in Chillicothe after spending years developing a loyal following of customers.

Customers know Kim as the friendly woman who remembers how they like their change and who knows the names of all their dogs. What some may not realize is that she hasn’t always worked in a customer facing job. She actually started out in the operations department of a bank in Homestead, Florida at the age of 17. “When I was a high school senior, I went to school in the morning and went home for lunch. Then I would go to the bank where I worked part time in bookkeeping. I loved that job.”

Kim Carpenter will retire this week after 22 years at Ross County Banking Center in Chillicothe.

After graduation, she got married and went full time at the bank before eventually taking time off to have children. “I tried to go back to work after my first son was born but I kept hearing about his firsts from other people and I didn’t want to hear about those things. I wanted to be there to see him grow up.”

By the time she returned to the workforce in the early eighties, a lot had changed. She recalled being assigned to use a computer for the first time. “I had been there a while and thought I was doing a good job but one day this message popped up that my password was going to expire and I thought that meant I was being fired,” she laughed. “I worried about that for two days before I worked up the nerve to ask someone about it. They got a big laugh out of it because it’s just standard procedure in a bank. But I didn’t know! I hadn’t worked with computers before!”

In 1995, her sons were grown, she was divorced and had an opportunity to return to Ohio. Her family had moved to Florida when she was in the first grade but her heart remained in the Buckeye state. In fact, she fondly recalls childhood summers spent visiting her grandparents’ farm where they raised crops and animals. “I looked forward to it all year. It was old school farm life and I think that’s where I really learned to love animals. I got that from my grandparents.”

After coming back to Ohio, she briefly worked another job before returning to her banking roots, this time as a teller. And the rest, as they say, is history.

“I had never worked as a teller or with customers so I really didn’t know if I could do it but I’m so glad that I came here.”

Starting part time, she quickly was offered a full time position and eventually moved to the drive thru window where she has stayed for about 18 of the 22 years she has been with the bank.

Here she has gotten to know customers from a different perspective. “The drive thru is different than meeting people at the teller window. You see a little bit into their world. You see their kids grow up in the backseat, meet their dogs. I‘ve been offered opportunities to do other things but really love working the drive thru and didn’t want to leave.”

She recalls how children who loved getting suckers when they came through with their parents are now adults bringing their own little ones to the bank. One little girl didn’t want her mom to even stop at the bank “unless my Kim is working” –she still banks with Kim as an adult.

While Kim loves her work, she looks forward to having free time to spend as she wishes. “I want to just be home, to take care of things I’ve been putting off because I’m busy. And I want to have more time with my animals,” she explained.

In fact, Kim’s eyes light up when she talks about her animals like her little dog Mandee, a pony named KT and a host of others including chickens, cats and goats. She and her husband Jeff have a small farm complete with a garden that she looks forward to working in more. “I love being outdoors. If I’m home, I’m not in front of the tv. I’m outside with the animals or mowing – there’s always something!” she said. “We like going to auctions and yard sales on the weekends so it will be nice to get things done during the week and not feel bad about going out to have fun on the weekends.”

Kim and Jeff have been married for almost 23 years. She has two sons, four stepchildren and five grandchildren. She soon will be a great grandmother.

Her last day of work will be Friday. “I will miss my customers and I’ll miss a lot of coworkers too,” she said. “The people here are so nice, so friendly. I will miss that aspect but I think this is a good time to go and I’m looking forward to my freedom.”

Deep Roots, Strong Branches

A Greek proverb tells us that society grows great when old men plant trees whose shade they know they will never sit in.

Daniel Will, VCNB Founding President

This reminds us of our founder Daniel Will and makes us wonder if he had any inkling his bank would still be growing from seeds he planted in 1867. The roots of our family tree run deep and grow from principles that Dan gave us – be honest, get to know your customers, embrace what’s new that works, invest in the community, and do the right thing for the people who depend on you.

When he saw a need for a store in the community, Dan opened a store. When his customers needed credit, he helped them out. When they needed a safe place to keep their money, they trusted him to keep it secure in the store’s vault. And when he realized the town needed a bank, he set to work building what the community and his customers needed most.

This is the model we continue to follow. This is who we are and this is why we are grateful for Dan Will and those seeds he planted all those years ago.

Let’s face it – the deeper the roots, the healthier the tree and the stronger the branches will grow. So whichever VCNB branch you choose – whether it’s our first bank in McArthur, one of our newer branches in central Ohio or somewhere in between – it’s not just a branch. It’s part of a strong family tree of banks that continues to grow and reach toward the sky.

In Their Own Words: Community Banking According To Our Branch Managers

We are proud to be a community bank. What does it really mean to be a community bank? We asked some of our branch managers to tell us in their own words what community banking means to them and what they like best about being a community banker. Here’s what they had to say!

“One of the things I appreciate about working for a community bank is that we get to know our customers and their unique needs. Growing up on a farm, I understand a farmer’s business and their needs. They don’t have to explain their life and the challenges to me the way they would to someone without that background.”

Katy Hanes

“I like being able to get to know my customers and I think they appreciate the personal touch they get from us. That’s not something that’s encouraged or even possible at big banks so it feels really good to offer it here.”

Matt Hearn

“One thing I really like about VCNB is that they encourage us to get involved in the community, they reward us for volunteering and they want us to know our customers.         I never had that before at my old job.”

Christina Wine

“The thing about working in a bank in a small community is that you get to know almost everyone and they get to know you. It feels good when someone calls and asks for you. It tells you that that you’re doing something right – that you’ve built a relationship with that person and that they trust you to take care of them.”

Charlotte McCarty

“It’s going to sound cheesy but I love helping people, especially the problem solving aspect of what I do. I appreciate that we are taught about why a policy or procedure exists and the bank gives us the tools and leeway to work with our customers.
We’re sometimes able to find ways to help the customer whether it’s helping them get approved for a car loan because their car just blew up or finding ways to help them
stop over drafting an account.”

JJ Wright

“You don’t find that community feel just anywhere but our involvement in the community allows us to be a resource to customers. That extends to employees too. When your staff and coworkers feel like family, you all work together better. You help each other out more and you feel like we’re all in this together.”

Brittany Walters

“I like to problem solve and love when I can figure out a customer’s issues.
That’s rewarding to help and to be a resource for them. Even with seventeen branches, we are still a community bank. We’re still allowed enough leeway to help customers
in a way that you just don’t find at big businesses. I mean, we all know
the Executive Team here. We all know the President.
We all are given the confidence and the freedom to work together.”

Kati Maple

“Do you know how important it is to work for a company that encourages employees to get involved? And it’s not just about opening savings accounts and lending money. It’s about helping out at events and going to the fair to buy livestock. I was a 4-her once and I remember how important it was to have businesses support the livestock sale. That’s where I got the money to open my savings account, from taking hogs to the fair!”

Jeremy Robson

“This is so much more rewarding than corporate banking which is very black and white. In corporate banking, there’s no opportunity to get to know your customers or to help someone who you’ve had to tell they can’t have what they want but that there
may be another solution. It’s like night and day when you go to work for a bank that actually wants to work with customers.”

Matthew Giroux

Here for You Badge

Small Business Spotlight: Perfect Weddings

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

beautiful dressWhen it comes to wedding planning, there is nothing more exciting or more stressful than choosing the right dress. Fortunately, local brides have a secret weapon at Perfect Weddings. Here Ellen Rickett uses her experience to help brides select just the right wedding gown and everything else she needs for the bridal party to wear.

In 35 years Ellen has refined her abilities for helping a bride choose the dress that makes them feel the most beautiful while carefully working within her budget. However, there is more to Perfect Weddings than just the bride’s dress. In fact, the relationship a bride and her bridal party develop with the Perfect Weddings staff only begins with dress selection.

“We will help a girl find the dress but it doesn’t end there. A lot of the larger stores will sell you a dress and send you out the door but we facilitate the storage, alterations and pressing. We like to give them one less thing to worry about.”

Perfect Weddings exteriorThe 7,000 square foot facility encompasses two floors of a tudor style shop on Memorial Drive in Lancaster. It is practically a wonderland of wedding gowns, bridal party gowns, homecoming and prom dresses. They also offer tuxedo rentals, jewelry, veils, shoes, garters and even fun socks to prevent the groom from getting cold feet.

Ellen and her daughter Kim started the business after Kim graduated college. They began with just $4,000 and a small shop on East Main Street. Today Kim manages the business while Ellen works directly with customers. However, Ellen doesn’t talk about them like they’re customers. She clearly takes a personal interest in each, making certain their individual experience is pleasant.

“The dress is the first thing you need when planning a wedding and there’s a lot of pressure to find the right one. Every bride wants the perfect dress and it’s my job to help them find it.”

One thing that makes Perfect Weddings unique is that they have three in-house seamstresses who they affectionately call “Angels” because they are known for performing miracles. The Angels perform all alterations on site so that dresses never leave the building until they are picked up for the wedding. “That’s important because they aren’t being shipped off for alterations and stored next to countless other dresses from other stores. We keep the dresses here, make the alterations and continue to store them until the wedding,” she said.

Dresses are even pressed by hand before they leave on the big day.

PressingPandemic related closures have created difficulties for the event business as most gatherings have been cancelled or postponed. “We went from 118 tux rentals in one weekend to none the following weekend,” she recalled. “It was a domino effect of tragedy for the kids, the brides, for us, our designers and distributors, the venues, for everyone involved.”

“Some girls had pictures taken in their prom dresses or had private mini proms with friends. Many weddings have been postponed until fall or until next year and we are here to help them, to help alleviate some worry as we will keep their dresses safe until they’re ready.”

Alleviating stress and worry is a common theme when Ellen discusses their work. “Planning a wedding can be stressful. For many girls, they’ve never planned an event so large. It’s a lot of work, a lot of details, a lot to worry about and we want to ensure that they aren’t worried about their dresses. We aim to give them one less thing to worry about.”

beautiful dress 2Money is another focus for Ellen as she strives to work within any budget. They typically have some dresses on sale for as little as $99 and the range of cost goes up to $2,300. They do offer a payment plan, a service that she said most bridal stores no longer provide.

“I never want to encourage a bride to go over her budget. I don’t work on commission so I have no reason to push something that someone cannot afford,” she explained. “The true reward is that moment when you turn her around to see herself in the mirror and she smiles. She smiles and sometimes tears will flow down her cheek because she knows this is the dress, the one she’s dreamed of. That’s why we do this.”

Ellen speaks with a bride before she comes in for her consultation. “Most girls have an idea of what they want. They know they want long sleeves or strapless or that they want a lot of bling. I talk with them about their desires and about their budget so that I can have some dresses ready for them when they come in.”

With over 600 styles under one roof, finding the right dress sounds intimidating but she said it typically takes just one visit and four to five dresses to find the one they love. “It’s the feeling they have in it. You can tell them they look good but if they don’t feel good, if they don’t feel beautiful, it’s not their dress.”

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Ellen said their business has seen everything. Brides come from all over Ohio and across the country, often by referral. Weddings are sometimes very small or may have a dozen bridesmaids. They have done weddings for four sisters and are currently helping the third sister in another family. “It’s special when they think so much of us they are bringing a family member here.”

Perfect Weddings is located at 430 North Memorial Drive, Lancaster and is available by appointment by calling 740.654.4696. Visit them at perfectweddingsbridal.com and follow them on Facebook and Instagram.

 

 

 

Small Business Spotlight: Le Petit Chevalier Vineyards and Farm Winery

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

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Sunset on Locust Grove at Le Petit Chevalier Vineyards and Farm Winery.

Le Petit Chevalier Vineyards and Farm Winery is more than a winery, it’s a passion project for one local family and a truly special experience for visitors to the Hocking Hills region. Whether you come to spend the night in their guest suite or just to sip a glass of one of their signature wines, you likely will not want to leave.

The boutique winery sits atop Locust Grove, one of the scenic rolling hills of northern Vinton County. Mark and Margit Chevalier purchased the farm and its 1883 home when their four children were small. At the time, they were focused on giving their family a healthy country life while finding ways to keep the land working. Now the kids are grown and the couple have found a new way to work the land and to build a business that fills a need in the community.

They exude hospitality and charm as well as excitement that guests can now come and enjoy the literal fruits of their labor over the last ten years.

Mark is a retired educator who Margit says has “just a wonderful palette.” She is a trained horticulturist with a vision for a vineyard and winery that celebrates the grapes, the land and the human connection to both.

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Mark and Margit Chevalier are the owners of Le Petit Chevalier Vineyards and Farm Winery in the Hocking Hills.

The winery just opened to the public in May but Mark said the process began a decade ago when they planted the first grapes. The 2014 Polar Vortex brought bitter cold that killed some of their French varieties and encouraged them to select all heirloom and hybrid varieties that grow well in this climate.

grapes and sky

Margit speaks with passion for all the grapes they grow.

Margit has an intimate knowledge of all their grapes, how they grow, required care and even their history. She also speaks with a motherly affection for their grapes. “They’re my babies!” she laughed. “My four babies are all grown up but now I have 5,000 of them to care for and help grow.”

Their wine list currently consists of Catawba, Norton, Seyval Blanc, Chambourcin and Grower’s White which they say is “a vineyard blend of estate grown hybrids finished in a soft, easy-drinking slightly sweet style.”

New wines will be added in coming years including Chardonel, Marquette, Itasca, Alexander and Marechal Foch. There is already a wait list for the Alexander which is expected in 2022.

The winery has plenty of room for guests both inside and out. The centerpiece inside is the bar, handmade by Mark with wood from a maple tree on a neighboring farm. Ash shelving, also of local origin, displays wine bottles that feature a label that Mark designed. Indoor seating welcomes visitors to stay for a while but the real centerpiece is the outdoor view. From the deck or a glider in the yard, guests can enjoy the breathtaking view of the vineyard and the rolling hills beyond.

It’s the perfect place to gather with friends or to enjoy an intimate evening for two.

Those who wish to stay longer can actually rent the Winery Loft which features a full kitchen, king bed, sofa bed and private entrance to accommodate up to four guests. Two private decks were designed to showcase the surroundings – one deck is placed for enjoying the sunrise while the other is available for optimal sunset viewing.

interior loft

Extend your stay at the farm by renting the loft over the winery. With a private entrance and proximity to the Hocking Hills State Parks, it is an ideal place to get away.

Situated near the Hocking Hills State Parks, it is the ideal location for a relaxing vacation or even a staycation for those looking to take a break close to home.

While their children are young adults who have begun finding their own way in the world, they all have been involved in the business and helping with its success. “Everything we do here is important. We are careful about what we grow and what we make and always make the best we can. It isn’t just our product, it’s our name on that bottle,” Mark explained.

Margit echoed his thoughts. “We pride ourselves that this isn’t just a winery. It’s a vineyard and everything is from our land. We have never bought a single grape from another vineyard,” Margit said. “You’ve never tasted grapes like this, wine like ours because it tastes like the work and love we’ve put in here.”

They have plans to someday serve some food but currently invite guests to bring their own. “Bring a picnic! We welcome everyone to bring their own food, a basket of bread and cheese or even a pizza! We don’t mind,” Margit said. “This is our own slice of paradise, our own Garden of Eden and we want people to come here and enjoy it. We want them to stay and experience what we live with every day.

As the midsummer sun sets, illuminating acres of grapevines for as far as the eye can see, their two border collies romp with a toy in the field and birds sing their final song of the day. Two out-of-town guests savor the moment from the deck and it really does feel like paradise.

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While 2020 hasn’t been an ideal time to open a new business, Margit said that their property is a perfect place to find some sense of normalcy. She pointed out there is ample room for guests to safely enjoy each other’s company and that social distancing is no trouble.

She recalled a Loft guest who recently brought her children from the city for an overnight stay. “She sat down at the campfire and you could just feel the weight of her worries leave. She said ‘this is the first time I’ve felt normal in I don’t know how long,’ and it made me happy,” Margit recalled. “It’s so important to me that people have that opportunity to just breathe and enjoy their surroundings.”

Visit Le Petit Chevalier Vineyards and Winery online for more information including hours and menu or to book a stay in the Winery Loft. Follow them on Facebook for their latest news and photos.

 

 

 

 

VCNB Opens New Jackson Branch Monday

Jackson coming soonMonday will be a banner day for our staff in Jackson as this will mark our first day of operation in a newly constructed branch. The new office is located at 471 McCarty Lane, just around the corner from the current Jackson branch.

VCNB President Mark Erslan said that he looks forward to opening the new branch to the public. “We are really excited about the completion of our new office in Jackson. The growth we’ve experienced in the limited time we’ve been in Jackson has exceeded our expectations,” he said.

The bank opened a loan office in a small space on Veterans Drive in 2016. It quickly became clear that there was a demand in Jackson for VCNB to have a full service bank and the Jackson County Banking Center opened in 2017. That space was quickly outgrown and ground was broken last year for this new facility.

Customers will appreciate the state-of-the art drive-thru system and drive-up ATM. The Intelligent Deposit ATM uses no envelopes, accepting deposits of cash and checks and giving customers same-day credit for up to $500 daily. Inside, personal bankers are trained to help customers with nearly any loan or deposit need. A kid’s corner will help keep little ones occupied while their parents do business, and a digital learning area will allow customers who prefer self-service to log into their VCNB online accounts, read account literature and do more on iPads.

Most of all, there is plenty of room in the 6,000 square foot facility for bankers to spread out and help their customers with respect to customer privacy and safety in socially distanced times. “We just can’t wait to service our Jackson County customers with a brand new office that features modern amenities and plenty of room. We’re very pleased with the outcome of the planning, design and construction and looking forward to the chance for everyone to see and experience the new facility,” Erslan said.

The current branch will be open through Friday. This location will be closed on Saturday morning so they can move into the new facility. Visit us in Jackson at 471 McCarty Lane beginning Monday, July 27. We look forward to serving you in our new branch!

 

Meet Your Banker: Callie Duhl

In our Meet Your Banker Series, we visit with Callie Duhl. Callie is the Branch Manager of our Jackson County Banking Center in Jackson.

Callie Duhl

Callie Duhl is the Branch Manager of our Jackson County Banking Center in Jackson.

Chat with Callie about her life and career and one thing is clear. She is devoted to her community, family and bank customers. The Jackson native has spent her entire life in Jackson, graduating from Jackson High School and building a long banking career before joining the VCNB Financial Family last year.

Like many VCNB Branch Managers, she started her career as a teller, working her way through a variety of positions including head teller, assistant manager and lender, seeing the banking business from a variety of angles. “I’ve done lending for most of my career and that’s what I like the best. It’s fun helping people get the things they need or want, the things that improve their lives,” she said.

Yet, this isn’t the life path Callie had envisioned for herself. As a lover of the outdoors, she has always enjoyed spending time caring for flowers, mowing and doing other outdoor work. “I never gave a thought to sitting behind a desk eight to ten hours a day. However, this is the path that God lead me down. My Grandpa always told me that God has a big sense of humor,” she exclaimed. “I’m right where I’m supposed to be and I’m glad to be here.”

Callie and her husband Alan have a fifty acre farm that keeps them busy. They have been married for 35 years and have one son. Their son works for the sheriff’s office and his wife is an RN. They have four young children who Callie adores.

She also is active as a founding member and treasurer of the Jackson Area Kiwanis. “Up until Covid hit we were staying busy in the community. It’s been different this summer but everything has been different,” she said.

Callie praised her customers for being so patient with lobby limitations during recent months. “Our customers have been just wonderful. So patient and kind to wait their turn. We couldn’t ask for better,” she said.

She takes customer service very seriously. “It’s important to me that we know our customers and that we do as much for them as we can,” she said. “Most of the time, when someone comes in, at least one of us knows their name and I think that’s important for people to feel comfortable coming in and doing business with us. We have all the technology anyone could want and we have the products they’re looking for but most people are really looking to make a connection with their banker.”

The branch will soon move to a new building, just around the corner from the current location. Construction is wrapping up at 471 McCarty Lane, just across the street from the BMV. “We can’t wait to move in and to welcome customers into the new office. It’s going to be wonderful!”