VCNB Cards Work With Your Digital Wallet

If you carry a smartphone, you likely have access to a digital wallet, an app provided by your smartphone maker. The concept is simple and it’s designed to make payments safe and easy for you. If you are a VCNB customer, we partner with Apple Pay®, Google Pay® and Samsung Pay® for your convenience.

Here’s how it works:

Sign into the wallet app on your phone and follow the instructions to start adding cards. Each company offers slightly different services and perks but the basic concept is the same. You can load your qualifying credit, debit, gift and membership cards to your wallet app. When it’s time to check out, look for the logo that corresponds to your app to tap and pay at the register or to safely pay online as well.

Each transaction is covered by the fraud protection provided by the bank that issues your card. In other words, your purchases made with a VCNB debit or credit card in your digital wallet are covered by our first-in-class fraud protection just the same as if you swiped your card or typed in your number online. However, by using your digital wallet there’s an added layer of protection provided by your phone such as your password, fingerprint or iris scan.

Each provider offers different perks. For example, Samsung Pay allows you to store your Covid vaccine record to keep it safe and accessible. Apple Pay can be used with an iPhone or Apple Watch while Google Pay touts ways to link accounts and track spending patterns.

Want more information? Find the app on your phone or you can click the name of each provider to visit their site.

 Apple Pay

 Samsung Pay

Google Pay

Want to learn more about other mobile products at VCNB? Read more here!

Simplify Your Finances With Online Bill Pay

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! 

Paying bills is a task that no one enjoys. That’s why Online Bill Pay is so handy. Whether you wish to automate your payments or log in and pay them individually, it’s a quick and useful tool for making sure your bills are paid on time, every time and without the cost of stamps and checks.

Whether you are paying a national cell phone provider or your family doctor, setting up a biller is simple. Some payments will be sent to the payee electronically while others will require that a check be mailed but there’s no worry – we’ll take care of that part.

Once you have set up a biller, it’s easy to pay them as needed or to set up a recurring payment. Some bills that are the same amount every month such as a car payment or mortgage can be scheduled to pay the same day each month. This streamlines your budget and bill paying activities and gives you the peace of mind that your bill is paid when you schedule it.

If your biller offers e-bills you can sign up to receive your bill electronically. Also, sign up for reminders so you don’t forget to log in and pay those commitments on time.

This is a free service to VCNB customers as long as you use the service at least once a month. It’s straightforward and easy to use and manage. It’s just another way that VCNB is putting technology to work for you! Log in to your Online Banking or VCNB Mobile to get started today!

Can You Spot a Phishing Scam?

Check out these phishing red flags and read on for more about these dangerous scams.

 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 $3.3 billion to these phishing schemes and other fraud in 2020—that’s nearly double what was lost in 2019.

It’s time to put scammers in their place.

Online scams aren’t so scary when you know what to look for. And at VCNB, 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 3 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 your 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 Facebook 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.

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!

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.  

Tips For Teaching Kids Of All Ages To Save Money

We recently celebrated Teach Children To Save Month which is an excellent opportunity for parents to start talking to their kids about saving money. As their parent, you want the best for your children and one way to help them get a good start in life is by teaching the value of money and how to save it for a rainy day or for a goal. Learning to properly manage money is as important as learning to read and write but it can be hard to know where to start.

No matter your child’s age, from toddler to teenager, there are some basic principles that apply to any age.

Give Them A Way To Save – Little kids love putting money in their piggy banks. Give them a bank or maybe a clear jar so they can see their savings grow with every nickel and dime they drop in. Older kids respond better to seeing their savings grow in their mobile banking app so help them set up a savings account.

Let Them Earn Money – Older teens may have jobs while younger kids might pick up a few bucks by walking a neighbor’s dog. Even little kids can earn a little by taking on some kind of responsibility at home. Maybe you give your kids an allowance. Regardless of the source, kids needs to have access to some money of their own so they can learn how to handle it responsibly and possibly even learn from a mistake or two while they’re young.

Explain Needs Versus Wants – This can be a tough topic even for adults sometimes but help your kids understand the difference between what they need and what they want. While they need a new coat for school, they don’t need an expensive name brand coat. They need to eat dinner but it can be cooked at home rather than ordering out. They won’t die of boredom if they don’t have the newest Lego set.

Set Goals – Your teenager will want a car someday. Younger kids may want a new toy or spending money for a special occasion. Talk to them about how forgoing a small purchase today will help them reach their goals.

Establish Some Rules – Establish some simple rules for spending and saving. Do they get to spend all their money all the time? How much should they save? This is a personal question for your family but one basic rule of thumb is to save a quarter or a third of any money they receive.

Talk To Them About Costs –There are many costs to spending money. If you occasionally have your child pay for something out of their own money, they will associate buying the thing with seeing their savings level dwindle some. Talk to them about how if they buy this $5 toy, it will take them longer to save for the $20 item they really want. Help them rationalize how badly they want the small thing versus the bigger savings goal.

Talk About Yourself – Don’t be afraid to tell your kids your personal savings story. Do you wish you had started saving money earlier? Help them learn from your mistakes! Are you a great saver? Share with them why it’s important to you and how you prioritize saving. Talk to them about the choices you’re making every day. Help them understand that clipping coupons and buying store brand green beans is how you can afford to take the family on vacation this summer.

Saving money is like a muscle that needs some exercise. The more you save, the stronger your desire will become to make good money choices. It’s much easier to create a savings habit at a young age than to change behaviors in adulthood.

Vinton County National Bank has a number of tools to help you teach your kids the value of managing their money. Learn more about our Youth Savings accounts and Youth Checking accounts to get started.

Three Ways Online Bill Pay Can Help You

VCNB Online Bill Pay can save you time, money and hassle!

VCNB Online Bill Pay was designed to save you time and make your life better. If you haven’t tried it, we have three good reasons why you should!

  1. Stay organized by scheduling all your bills to pay from one place! Set up email reminders when a bill is due so you never miss a payment. If you receive eBills through our Online Bill Pay, you can even receive notification when the bill arrives. Need to know if a bill has paid or how much you paid last month? Search your bill history by company name, status or date to get your answers.
  2. Feel good knowing it’s the cheapest and the safest way to pay. There’s no need to buy checks or stamps when you can send money electronically. This means there’s no worry that your money will get lost in the mail or land in the wrong hands.
  3. Automate your bills or take control of your scheduling – whatever way works best for you! Automatic payments are great for bills that stay the same each month like a car payment or insurance. You can also log in and schedule each payment individually.

Please remember that accounts registered for Bill Pay that do not make at least one payment during the calendar month will be assessed a $3 fee. Want to learn more? Click here for details or log into your account through Online Banking or VCNB Mobile to get started.