Author Archives: vcnbfamily
Count the ways you can use Popmoney®
Have you used Popmoney ® personal payment service at VCNB yet? Do you know what it is?
Popmoney is a way that you can send money to someone electronically. All you need is that person’s email address or mobile phone number. If you are a Bill Pay customer at VCNB, you have access to Popmoney for just .50 cents per transaction.
Owe your roomate for rent this month? No need to write a check or hit the ATM – just use Popmoney® personal payment service.
There are countless ways you can use this service. Here are just a few!
- Gifts – Have you ever forgotten someone’s birthday? Maybe you have a nephew graduating college? Send a monetary gift with an e-card through Popmoney at VCNB!
- Basketball with friends – One of our employees went to a game with friends but for the group’s tickets to be together, one person had to put it on their card. All the friends just sent the funds through Popmoney. And if you’re the person who shells out the cash for tickets, you can send a reminder to your friends for the amount they owe!
- Dinner out with family – Some restaurants won’t split checks for large groups. Make it easy on yourself and let one person put down their plastic while you just use Popmoney to send your share to them.
- Kids at college – Kids who are away at college are notoriously short on funds. Help out your child or grandkid by sending them a little extra money!
- Monday Night Football – The gang is all together for Monday Night Football. That means pizza and wings and drinks for everyone! If someone forgot to hit the ATM on the way, they can just send funds through Popmoney.
- Flowers for the Boss – It’s your boss’ birthday and you know she loves roses. Invite your co-workers to pitch in a few bucks and ask them to send it via Popmoney!
- Rent money –Set up a Popmoney transaction to send your share of the rent to your roommate on the same day and for the same amount each month.
- Gas money on a trip – Taking a road trip with an old friend? Splitting the cost of gas is easy with Popmoney. You can schedule the funds on your smart phone while you travel down the highway.
- Neighborly help – Your kids are sick and you’re out of everything at home. You’re low on cash and can’t get to the bank. If your neighbor offers to pick up some milk, bread and soup for you, just use Popmoney to reimburse them.
- When you just don’t have cash – Let’s face it – sometimes you just don’t have cash. Popmoney is a great way to payback someone or send funds when you’re low on cash.
There are lots of ways to use Popmoney. Learn more by visiting our website.
VCNB Offices Closed Today
All of our offices will be closed today in observance of the Martin Luther King holiday. We will resume regular hours tomorrow. Please remember that VCNB is always open online at www.vintoncountybank.com.
Protect yourself from phishing scams
Today we are warning consumers not to fall victim to phishing scams related to the Target data breach. Phishing attacks use spoofed e-mails and fraudulent websites designed to fool recipients into divulging personal financial data. By hijacking the trusted brands of banks, online retailers and credit card companies, phishers are able to convince recipients to respond to them.
“Industry experts warn that victims of the Target data breach are particularly vulnerable right now to phishing.,” says VCNB Head of Operations Joe Griffith. “These criminals are capable of sending very legitimate looking e-mails. The most important thing for customers to remember is that we will never ask you for personal information in an e-mail.”
To avoid becoming the victim of a phishing scam, we offer the following tips:
• If you have responded to an email, contact your bank immediately so they can protect your account and your identity.
• Never give out your personal or financial information in response to an unsolicited phone call, fax or email, no matter how official it may seem.
• Do not respond to email that may warn of dire consequences unless you validate your information immediately. Contact the company to confirm the email’s validity using a telephone number or Web address you know to be genuine.
• Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones. Some thieves hope small transactions will go unnoticed. Report discrepancies immediately.
• When submitting financial information online, look for the padlock or key icon at the bottom of your Internet browser. Most secure Internet addresses, though not all, use “https.”
• Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.
If you receive suspicious communication from someone claiming to be from VCNB or representing VCNB, please contact customer service immediately. Customer service representatives are available to help you at 1-800-542-5004 or you can chat with a representative from our website at www.vintoncountybank.com.
Top Ten Reasons You Will LOVE Bill Pay at VCNB
We love Bill Pay and are certain that you will too. In case you don’t want to take our word on that, we put together a list of the top ten reasons we think you will agree!
1 Cost Savings. That’s right. Bill Pay will save you money. How much money do you spend on stamps and checks each month? It adds up quickly over the year and the cost of postage continues to increase.
2 Peace of Mind. Using our secure website to pay bills is safer than sending a check in the mail. Plus, email reminders can help you never miss a due date again!
3 Schedule Payments to Suit Your Needs. If you get a one-time bill from the doctor you can schedule a single payment for that bill. However, if your car insurance is always $104 a month, you can schedule that payment for the same amount on the same day every month for a period of months or for an ongoing period of time.
4 Eliminate Paper Clutter. Save the environment and receive E-bills through Bill Pay. Many companies can send you an electronic bill each month that goes straight to your Bill Pay account. From your account you can review, print and sometimes download your e-bills. And, of course, you can pay those bills with Bill Pay.
5 One word: Popmoney ®. We really, really, really love Popmoney ® personal payment service because it allows you to send money to an individual using only their email or mobile phone number. So if you owe your roommate for rent or a friend for dinner, this is an easy and quick way to send them funds. It costs .50 cents per transaction for you to send and nothing for them to receive!
6 Pay bills anytime, anywhere. Do you work a lot? Have little ones who you hate to drag into the post office to buy stamps? It’s ok. You can schedule Bill Pay transactions from anywhere at anytime using Online Banking or Mobile banking.
7 No monthly limit. With Bill Pay, it doesn’t matter if you pay one bill per month or twenty bills per month. There is no maximum limit on the number of transaction. There is a minimum requirement of one transaction every thirty days to avoid a $3 dormancy fee. But we are certain you will love it so much that dormancy will not be a problem.
8 It will save you time. Think of the time you will save when you don’t have to track down stamps, write checks, lick the envelopes and get the bills into the mail on time! Bill Pay takes care of all that for you!
9 It’s Easy! It takes just a minute to enter account information for each bill you pay. Once that information is added, it will remain in your Bill Pay account until you delete it. That means you will only need to click on the payee, add the amount you wish to pay and the date you want them to receive the funds. It’s as simple as one, two, three!
10 It’s FREE! You read that correctly! You get an easy-to-use, time saving tool that helps you organize your bills while saving money. . . and it’s FREE to use every month!
Want to learn more? Click here to read more about internet banking and Bill Pay!
Health Savings Accounts help with high deductible insurance
This month we are talking a lot about the Health Savings Account or HSA. An HSA is a tax favored savings account created to pay medical expenses.
These accounts are offered to help individuals and families with high deductible health insurance plans to save money for qualified medical expenses. While this is an extremely helpful savings tool, many Americans are not familiar with this kind of account or how it works.
To be eligible for an HSA in 2014 you must have an annual deductible of at least $1,250 for an individual or $2,500 for a family
VCNB Senior Vice President Jane Nickels said that contributions to an HSA are tax deductible and withdrawals to pay qualified medical expenses are never taxed. The money you deposit into your HSA belongs to you – not your bank, employer or the government. That money rolls over from year to year and can be used only for approved medical expenses, according to Nickels.
“Our customers tend to like the HSA because their contributions and distribution are tax free. Once it’s set up, it’s easy to use and easy to maintain,” Nickels said.
She explained that unused money in your HSA isn’t forfeited at the end of the year. Instead, it continues to grow, tax-deferred. “Best of all, the unused money that you accumulate in your HSA rolls over to the next year so you never have to worry about losing your money,” she explained.
Qualified medical expenses are defined by the Internal Revenue Tax Code and you can read a list of these qualified medical, dental and vision expenses here.
A word of caution: any funds you withdraw for non-qualified medical expenses will be taxed at your income tax rate plus 20 percent tax penalty if you are under age 65.
At VCNB, our Health Savings Accounts feature free checks with unlimited check writing, a debit card, a monthly statement, online access and interest checking with tiered rates. There is a monthly service charge of $3 and an initial set-up fee of $25. However, if you open an HSA now through March 31, 2014 you can find a coupon here. This coupon can be used to waive the initial set-up fee.
Do you believe an HSA is right for you? At VCNB we have Account Representatives who can help you get started! Call your local branch or 1-800-542-5004 to talk with one of our knowledgeable accounts representatives. You can also watch a short video on our website by clicking here.
Member FDIC.
Kathy Caudill Retires After Nearly 48 Years With VCNB
Today we are both sad and joyful to celebrate the retirement of longtime bank employee Kathy Caudill. Kathy came to work at the bank in June 1966 and has worked her way up from bookkeeping to be the bank’s Chief Auditor.
When Kathy started at the bank, a gallon of gas cost .32 cents, the Beach Boys were singing “Good Vibrations” and the mini skirt was all the rage. The bank was 99 years young and had only about a dozen employees in the original McArthur location. “I can still remember what I wore that day,” Caudill said of the day she came in to ask Bank President J.G. Will for a job. “It was a dress I made with pink and coral flowers. And I wore matching coral colored shoes,” she said.
That was the first and only interview outfit for Kathy as she would stay with the bank for nearly 48 years.
She has seen many changes in technology, society’s expectation of work attire and the size of the bank. “There were only ten or twelve of us here at the time. We really were one big happy family,” she said. “That was a time when women wore hose, skirts and no pants and if you weren’t dressed properly you were sent home to change,” she explained.

In this undated photo from Kathy’s early career, a group of female bank employees are pictured in their bank jackets. Kathy is pictured in the front row, second from left.
Kathy’s first job with the bank was in bookkeeping. “That was when bookkeeping was really bookkeeping. We used lots of pencils. And we were excited when we got one of these,” she said, pointing to an electronic calculator which replaced old fashioned adding machines.
Over the years, Kathy has done nearly every bank job imaginable. She described a time before computers when a human touch was necessary for every transaction and when the bookkeeping and proof departments reviewed every check for valid date, signature and matching written and numerical amounts.
She processed payroll and student loans, worked as a loan clerk, answered phones, filled in at the teller window when needed and even worked for a time creating advertising and editing the bank newsletter. She supervised the Bookkeeping and Proof departments. Most recently she has served as Chief Auditor for the bank.
“I have seen the bank through a lot of changes and a lot of Presidents. There was J.G. Will, Bob Will, George Booth, Steve Hunter and now Ron Collins. Don’t ask which was my favorite, that’s not fair,” she said with a laugh. “And the bank has seen me through a lot too,” she mused, referencing wedding bells, the births of three daughters, divorce, a bout with cancer and other highs and lows that life has brought her way.
When asked about her retirement plans she said “the plan is to not come to work. It’s an un-plan. Guess I’ll have to find some new hobbies.”
“Every now and then I wonder if I really want to do this but I think it’s time,” she said. “It’s time.”
While 48 years with the same company may be a long time, her bank family is still sad
to see Kathy leave.
At her retirement party today, colleagues, family and many retired bank employees gathered to honor the bank’s longest tenured employee. Bank President Ron Collins complimented Kathy’s hard work and dedication to the bank. “Kathy always made me sleep better at night and that’s and important thing for a president. I always had confidence and for that, I thank you,” Collins said.
Simplify Your Money on the Go
What if we told you there was a way to automate your finances, deposit a check and pay bills without picking up a pen or buying a stamp? What if we told you these services are available to all of our online and mobile banking customers?
These services are available any time of the day or night when you have internet or mobile phone access. From home, from the office or from your poolside vacation, if you have internet or phone service, you have the ability to manage your money at VCNB!
Mobile Deposit and Mobile Money – You can deposit a check, schedule bill pay, ch
eck account balances and more using your smart phone at VCNB! Just download our Touch Banking mobile app and login to your account to get started. One of our newest services, Mobile Deposit, allows you to deposit a check with your smart phone. It’s as easy as taking a picture! There is a .50 cent per transaction fee. Also, you must endorse the check with your name and the phrase “For Mobile Deposit Only.”
Learn more about mobile deposit and mobile banking here!
Bill Pay – Have a fistful of bills and no stamps? No worries. Bill Pay allows you to schedule a single payment or ongoing payments for bills like utilities, the dentist and credit card. There is a $3 a month dormancy fee if you don’t use the service every 30 days but we believe you will fall in love with the convenience and cost savings and use it for all your bills. Think of the money you will save on stamps, checks and envelopes over a year!
Popmoney – Do you owe money to a friend or relative? You can use Popmoney ® personal payment service from VCNB Bill Pay to send them funds using just their email address or mobile phone number. There is a .50 cent fee for each transaction. Watch this video to learn more about Popmoney and Bill Pay!
Scheduled Transfers – Your New Year’s Resolution for 2014 is to build your emergency savings but you’re not doing so great remembering to save the funds? Automate the process by setting up scheduled transfers from your checking to your savings! You can also schedule a single transfer at your convenience.
Account Alerts – Want to know when a check clears or when there’s a debit card transaction involving your card? Do you need a reminder when your mortgage is due or when funds are getting low in your account? Set up account alerts for free! You can receive requested alerts by text or by email.
We love to see our customers in our bank lobbies but understand that life is busy and you don’t always have time to come to the bank. Banking on the go will help you stay on top of your money anywhere, anytime! Visit us at http://vintoncountybank.com/ to open an account, chat with customer service and learn more about all of these services today!
VCNB is Member FDIC. Equal Housing Lender. Standard data and messaging rates may apply to mobile services.
New Year, New Blog for VCNB
As we ring in the new year, we here at the Vinton County National Bank are excited to introduce a new tool for communicating with our customers. We will use this blog to talk about bank products and services, our outstanding employees and the wonderful communities in which we reside.
Our first bank opened in 1867 in McArthur, Ohio. Over the past 147 years we have grown from just one office to 13 branches around Southeastern and Central Ohio. We have seen every conceivable change in banking from the telegraph to the internet and from in-person service to mobile banking.
But some things never change.
We were founded on a principle of service to community and customer. We hold dear to those principles.
We pride ourselves for employing the people in our communities, for having a real person answer the phone and for truly caring about our customers. We try to be a good role model for businesses in our towns.
We plan to convey these values and more through our blog and hope you will subscribe so that you can be notified each time we post something new. Just look to the toolbar on the right side of the screen and click “Follow.”
For information, visit us at www.vintoncountybank.com or follow us at www.facebook.com/vintoncountybank. We also welcome your call at 1-800-542-5004.

