Rake In The Points At VCNB!

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With the arrival of September, we’ve noticed that some leaves are starting to turn colors and fall. While raking leaves in your back yard isn’t so fun, we think you’ll like our offer to “Rake in the Points” this fall.

Rake in the Points is our latest offer for new Rewards Checking customers to receive 5,000 extra points when they sign up online.*

We bet you’re wondering what these points are all about. Customers who use VCNB Rewards Checking earn UChoose Rewards® points for their regular banking habits. Customers can earn points for using Online Bill Pay, Direct Deposit, and for making automatic loan payments. They also earn one point for every three dollars spent using their debit card. Additional point earning opportunities are available to customers. Read more here.

These points can be redeemed for gift cards, cash back, concert tickets, travel, merchandise and more! Rewards Checking offers so much added value that we’re seeing more and more customers embrace  the Rewards Checking lifestyle every day!  Click here to read an example of how an average customer might earn points.

Opening an account online is easy and can be done in five easy steps. What are you waiting for? Put down that rake and pull up a chair. You can rake in the points at VCNB with just the click of your mouse!

*Limit two per household. Personal accounts only. Account must be opened online and have a $100 minimum deposit, an activated debit card and a debit card registered with UChooserewards.com within 60 days of opening account to receive the bonus. Points will be awarded within 30 days of meeting criteria.

 

Take Control Of Your Debit Card!

VCNB just introduced a new feature that we think our debit card customers will really like. It’s called CardValet and it’s a free app to help customers take more control over their VCNB debit cards.

Some of our employees have been testing CardValet and one thing we hear repeatedly from them is they like being able to restrict where their card can be used. They also enjoy being able to completely turn off their card when they don’t need it. You read that right: you can turn your card on and off with the flip of a switch in the app!

Here are some popular features of the app:

  • Turn off international card usage
  • Set the geographic locations where the card can be used.
  • Restrict transactions based on merchant type
  • Set transaction amount limits
  • Receive alerts for certain transaction types
  • View card balances and recent transactions

Perhaps you want to limit the types of merchants where your card can be used. You can turn on and off several categories including gas station, grocery, restaurant, entertainment, travel and more. You can also set spending limits to deny a purchase over an amount of your choosing. If you are in the store and find you need to spend more than your CardValet limits are set for, you can simply log in to the app and set new limits.

Turning the card on and off is so fast and easy that you can keep your card off all the time and simply turn it on when you’re in line at the store and ready to use your card. Customers can also set a variety of alerts to let them know when their card has been used.

With the prevalence of fraud in the world today, we think many of our customers will be pleased to know that this control feature is available to them.

Ready to get started? Download the CardValet app from the Apple® app store or Google Play™ Once you have the app installed on your phone, it’s easy to register and get started. As always, we encourage customers to set strong passwords and to not share that information with others.  Multiple VCNB debit cards can be linked and customers will soon be able to use VCNB credit cards with the app as well.

Our employees are loving CardValet and we think you will too. Give it a try today!

Start With Student Checking

 

 

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Begin with the basics. That’s what we tell young people who are interested in opening a bank account. This is why we have introduced a checking account specifically for young people and for students who wish to learn how to manage their money and their accounts responsibly.

With our new Student Checking account, students as young as 14 can have a checking account with all the bells and whistles including a debit card, online banking, VCNB Mobile, account alerts, direct deposit and more.

With Student Checking, young customers can learn good money management skills that will last a lifetime and develop a relationship with a bank they can trust. A parent or guardian must be made a joint owner of the account if the student is under 18 years of age. Visit this link to read the full details of our new Student Checking account and to open online.

Student Checking accounts can be opened online or in any of our seventeen VCNB offices. Click here to find one in your neighborhood!

Peace, Love and Points Offer Ends Soon

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Peace, Love and Points has been our theme here at VCNB all summer long and we’ve had a fun time embracing our inner hippie. Sadly, all good things must come to an end and this campaign is no different. Have you taken advantage of this opportunity to earn up to 20,000 Bonus Points with a Rewards Checking and a Platinum Credit Card at VCNB?

It is good through August 31, both in office and on our website.

Customers who qualify for a Visa© Platinum Credit Card may receive a bonus of 10,000 UChoose Rewards® Points. With our Platinum Credit Card, customers can receive bonus points for using it to make regular purchases. Those points can be redeemed for gift cards, travel, experiences and merchandise.

Customers who open a new Rewards Checking account or switch an existing VCNB account to Rewards Checking will be eligible to receive a bonus of 5,000 points. Those who opt for self-service and open a Rewards Checking account online will be eligible to receive a bonus of 10,000 points.

To receive a Rewards Checking bonus, the customer must activate a debit card and register it through UChooseRewards.com within sixty days of account opening to receive the bonus. New accounts must be funded with a minimum $100 deposit within 30 days of account opening. Click here to read the full terms and conditions for this promotion.

Click here to open your Rewards Checking account online  or stop by any of our seventeen offices to apply for a Platinum Card or to open a Rewards Checking with one of our friendly staff.

What are you waiting for?  The summer of Peace, Love and Points will end soon but your point earning opportunities with Rewards Checking and a Platinum Visa will continue every time you use them!

Have You Tried Rewards Checking?

We have been amazed at the customer response to our new VCNB Rewards Checking account. When we introduced this account to customers last year, we knew we had something special but we weren’t expecting such an incredible response. Months later, we continue to hear from customers about how much they love this account and we are simply delighted. After all, community banks are about providing personal service to customers and providing them with the banking tools they need and want.

If you haven’t tried Rewards Checking, it’s exactly what it sounds like: a checking account that rewards you for your regular banking habits. You receive points for spending money with your debit card, for using direct deposit and Online Bill Pay, among other things. We even give you points to get you started when you open the account.

Those points can be used to receive cash back and gift cards for major retailers and restaurants. You can also use those points for travel expenses, merchandise and experiences like concert tickets.

We are thrilled to offer this account and to reward our customers for their loyalty.

If you have signed up for Rewards Checking, we have a reminder for you: Be sure to register your debit card with the UChoose Rewards® website so that you can begin earning and spending all those points! Registering is very simple and can be done by clicking here.

Once you’re registered, take a look for special offers under the “Earn Points” tab. Here you will find point earning opportunities that are only good online as well as some special opportunities that must be activated to learn. You can also browse all the great things you can redeem your points for under the “Redeem Points” tab.

Learn more about Rewards Checking by visiting our website.

We sometimes offer bonus rewards points so pay attention for those offers as well!

Turn The Key On Your New Home

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Ready to turn the key on your new home?

Since 1867 we have been helping countless individuals and families reach their goal of home ownership. Whether you’re building your dream home or buying your starter home, our experienced lenders are knowledgeable and ready to help.

What are you waiting for? Click here to prequalify online!  

We also welcome you to visit one of our offices to meet with a lender or call your local office to get started. Member FDIC.  Equal Housing Lender.

Banking For College Students

If you’re headed off to college this fall, you’ve probably signed up for your classes, picked up supplies for your dorm room and are packing up to leave soon. But have you thought about how to manage your money or how to get money from home?

Electronic banking has done wonders for us all, making it easier to manage our money and even to receive money from others. Here are some VCNB products that will make your financial life better:

Checking Account
Everyone needs a checking account. Even if you don’t have a job or a lot of money to manage, a checking account is the best way to handle the funds you have. A Checking My Way or Rewards Checking account are great options for most young adults. Click here and select “Checking Accounts” to learn about these accounts and to open online!

VCNB Mobile/Online Banking
teenager laptop cell phone headphones.jpgYou may be far from home but we offer two convenient tools for accessing your money 24/7 from anywhere your smartphone or computer works. Login to your accounts at www.VCNBfamily.com or with VCNB Mobile, our easy to use mobile app. Here you can check balances, transfer funds, pay bills and a deposit a check with Mobile Deposit. You can also access Popmoney® personal payment service. Not sure what all this means? Keep reading. We’ll explain!

Transfers
With online and mobile banking, you can transfer funds between your accounts. Say you saved all your graduation cash in your savings account but need some to buy a textbook or pay for a movie ticket. You can easily and quickly transfer the funds into the account where you need them. It’s easy and a free service.

Account Alerts
Since this is your first time managing money on your own, it’s a good idea to keep a sharp eye on what you’re doing. You can set up account alerts to tell you when your balance falls below a certain amount of money, when your debit card has been used to make a purchase and when a deposit is made to your account among other things. There are nineteen different types of account alerts,  each of which can be sent via text or email free of charge.

Popmoney
Popmoney® personal payment service allows you to securely send and receive money quickly, using just the recipient’s email or mobile phone number and your own VCNB checking or savings account. A lot of our customers use it to pay back friends and family or to send gifts. We also have many parents and grandparents who use it to send money to their college students who are always grateful for the extra cash! There is a fee of .50 per transaction and you can learn more about it here.

Reloadable Card
A Reloadable Mastercard© is a good option for those who do not qualify for a traditional checking or who don’t want one for fear of accidental overdraft. This card is accepted anywhere that takes Mastercard but is loaded for a specific amount of money. Once it’s spent, it’s gone and there is no risk of overdrawing an account. Funds can be directed deposited or be added as you wish. Reloadable cards are great for college students as parents are able to deposit money as needed. You must be 18 years of age to purchase and there is a $5.99 purchase fee and other fees related to reloading and maintaining this card. Click here for complete details including fees.

At VCNB we are excited to see young people venture out on their own and will be glad to help you get started by answering questions and setting you up with VCNB accounts and other products. Give us a call or stop by our office to talk to an experienced account representative today!

 

 

VCNB Offers The Scoop On Scams

Ice cream cone with extra scoops.jpgIt seems like scams are everywhere these days. From people knocking at your front door to threatening phone calls and harassing emails, it feels like there is constantly someone looking to swindle innocent people out of their money. Sadly, millions of Americans fall prey to scams every year.

That’s why we will host “Get the Scoop on Scams,” an informational session for senior citizens later this month. Jane Nickels, the Branch Manager of our McArthur office said her staff sees great need for this kind of education in the community. “Scams are everywhere and scammers are becoming increasingly sophisticated. Sometimes it’s hard to know who to trust and, as we get older, we are more likely to be targeted. We want to prepare seniors in our community with as much knowledge as we can,” Nickels explained.

This informational session will be held at the Vinton County Senior Citizens Center at 11 a.m. on Thursday, July 21. Registration is required and senior citizens may enjoy a tasty lunch for a donation to the Senior Center. Following the talk, the bank will have a free ice cream sundae bar for everyone to enjoy.

To take part, contact Rhoda at 740.596.4706 to guarantee your spot.

 

 

Pack An Extra Form Of Payment

If you’re planning a vacation this summer, you’re probably eager to pack your bags and hit the road. But before you go, there’s one more thing to pack – one or two extra forms of payment.

We know that you love your plastic and we swipe our debit and credit cards more today than ever before.  After all, it’s quick and easy, it’s safer than carrying a lot of cash and, if you’re a VCNB customer using Rewards Checking or our Platinum Visa© Card, you earn UChoose® Rewards Points on purchases.

PrintUnfortunately, plastic is not always foolproof. While most businesses accept credit and debit cards, some mom and pop establishments, festivals and farmer’s markets are not equipped to do so. Also, technology is imperfect and occasionally even major retailers experience a hiccup that prevents them from accepting cards.

Also, with the increased use in debit and credit card usage has come an increase in the amount of fraudulent activity related to cards. That’s why we have a great Fraud Department here at VCNB to monitor your activity round the clock. If we see something that is clearly fraudulent or that looks suspicious, we will place restrictions on your card and then give you a call to confirm that you are actually making those purchases. This is meant to protect you and your money but can sometimes cause an inconvenience for the customer.

We occasionally have customers who are on vacation, spending outside their regular pattern of activity, who will be flagged by the Fraud Department. If you can confirm that it’s really you spending your money, the restrictions will be released and you can go about your vacation. If it’s not you, we will shut down your card to prevent future fraudulent activity and take actions to get you a new card. If that’s the case, you will need another way to pay.

There are many options for a second or third form of payment. If you plan to pay primarily with debit, take along a credit card and some cash too. If your primary payment is going to be credit, a second credit or debit card and some cash might come in handy.

Here at VCNB, we offer credit cards as well as a Reloadable Travel Card. You can use it to make purchases anywhere worldwide that Mastercard© is accepted. It costs $5.99 to purchase but we are waving this fee through the end of July. The Travel Card and other reloadable/gift cards are available in any VCNB branch. Click here to learn more. 

And, of course, cash is still accepted almost everywhere.

By the way, if you’re planning to travel, take a minute and give us a call. If we know you’re out of state or out of the country, you’ll be less likely to experience a disruption in service. Also be sure to give us your mobile phone number. If our Fraud Department does need to reach you, you don’t want them calling your home when your card is being rejected in a restaurant far from home.

 

 

 

Tricks For A Smooth Move

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A little organization today will save you time and money later as you unpack at your new home.

Whether it’s your first home or your dream home, buying and moving can be stressful. We put on our thinking caps and came up with some practical tips and tricks to help make your move go smoothly.

Consider the Necessities
Think about what you will need when you first arrive. Designate an easy to recognize container such as a clear tote or brightly colored box to make into your “Need First” box. Pack inside trash bags, paper towels, toilet paper, tools, phone chargers, simple snacks, a set of sheets for every bed and other things that are important to you. If coffee is a must have in your house, pack the coffee maker and supplies in this container. The point is to keep together all those necessities that you won’t want to go searching for among a sea of boxes.

While you’re at it, have every member of your family pack an overnight bag with a change of clothes, toiletries, medicine and other items they might take with them on a trip.

Advance Work
Collect packing supplies and begin packing gradually. It will seem like less work and will give you more time to pack carefully. Be sure to start with things you don’t use frequently like grandma’s china, out of season clothes and family mementos.

Purge as you go. If you don’t use it or don’t like it, don’t pack it. These items can be sold in a yard sale, donated to charity or offered to friends.

Change your address before you move. Be sure to notify, not just the Post Office, but your credit card company, cell phone provider and your bank. We love when our customers tell us they’re moving so we can keep contact information up to date.

For a few weeks leading up to your move, make an effort to eat out of your pantry and freezer instead of grocery shopping. Remember, the more you use, the less you have to move or lose!

Try to clean your new home before moving day. Whether you clean it yourself or pay for a service, it’s better to move into a clean house than to clean as you go.

Packing
Pack like items from the same room.  Don’t mix your toiletries with cookwear. Keep like items together and then label the boxes with the box content and the room where it belongs. Better yet, color code your boxes with magic markers or a strip of colored tape.

Take great care with breakable items and other valuables. Wrap breakable items well and be sure to label these boxes fragile.  Another precaution might be to pack these important items in a different kind of box than everything else.

Tape those boxes well by securing both the top and bottom seams. Also be sure to use the right kind of box for the job. Heavy items like books and dishes should go in small boxes. Light items like bedding can be packed in large boxes.

Also be sure to fill those boxes to prevent shifting in the box and to cut down on the number of needed boxes. Gaps can be filled with towels or out of season clothing.

If you must disassemble furniture, store all the small parts in a Ziplock bag. Label the bag and then securely tape it to the back of that piece of furniture. Keeping parts and pieces together and safe will save much heartache later, say when screws are missing from your child’s bed.

Moving clothes can be a challenge. One option for moving clothes on hangers is to take a tip from the dry cleaner. Cut a hole in the bottom of a large trash bag and slide the bag over the items on hangers. Items will clean and together and can easily be carried straight from the truck to the closet. Have items in dresser drawers? Leave them in the drawers and cover with Saran Wrap or Press and Seal to keep everything in place.

Look out for Fido
Moving can be a traumatic experience for children and pets. While the doors are open and people are moving about, be sure to keep pets secured in a crate or a room where there is not activity. Not only might they be underfoot, a frightened pet could run outside and be lost.

Then be sure to keep their travel experience as calm and pleasant as possible, especially if you know your pet is a poor traveler. When you arrive at the new home, create a pet space that they will recognize by providing them with familiar bedding, bowls, food and favorite toys.

Are you thinking about buying a home? Contact your local VCNB office to speak with a lender in your neighborhood. Do you have a great moving tip? Share it in the comments below!