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!

Banking Convenience, Leading Technology With Mobile Deposit

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

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

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

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

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

Here’s what you do:

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

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

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

Find Leading Technology And Local Support At VCNB

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

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

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

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

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

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

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

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

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

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

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

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

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

Four Ways VCNB Makes Money Easy

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

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

Online Bill Pay

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

Mobile App                                                                                                                     

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

Cash On The Go

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

Earning Rewards

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

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

VCNB Introduces Zelle In Its Mobile App

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

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

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

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

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

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

About Zelle®

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

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.  

Call, Click Or Come In!

How do you define easy? Here at VCNB we work hard to make it easy for you to get your new mortgage loan. We know that not everyone can come to the bank and that you still need to get your mortgage loan application started and the process underway.

That’s why our mortgage lenders are happy to do business however you like to do business. Want to come inside and sit down with a lender? Do you prefer to do things online? Does a phone call simply fit better with your schedule?

Whatever your choice – call, click or come in and our mortgage lenders will be happy to help!

Call 1.800.542.5004, click on VCNBfamily.com or visit your neighborhood Vinton County National Bank to get started. Member FDIC. Equal Housing Lender.