Technology You Need, Service You Expect

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What does it mean when we say that VCNB has the technology you need and the service you expect?

It means that we understand customers today often prefer and even need technology when doing their banking and that we are eager make available as many of those tools as possible. On the other hand, we know there is no substitute for the human touch and that our employees are still here to help whenever you need them.

For example, many of our customers enjoy self-service aspects that come with the mobile app and website. With VCNB Mobile, you can check balances, transfer funds, pay bills, send money to a friend, open an account and even deposit a check using the camera on your mobile device!

You can even apply for a mortgage on our website! Use our Mortgage Lending Center to find a lender near you, apply for a loan or try out one of our financial calculators.

VCNB customers are also enjoying the way that technology gives them access to a large ATM network. Use the MoneyPass app or website to locate one of 32,000 nationwide surcharge-free ATMs available near you.

There are even self-serve stations in our newly constructed and remodeled offices to make it easier for customers to access information and to self-serve rather than meet with a banker.

But what happens if you have a question about that checking account you opened online or if you’re not sure how to answer a question on the mortgage application? Maybe your teenager wants to open their Student Checking account online but has questions about how a checking account works.

We have a small army of people at the ready to help. You will find Customer Service Representatives available by phone and online chat. We also have personal bankers, tellers and mortgage lenders in our branches who will be happy to answer questions, give advice and help with whatever you need.

Here at VCNB we love to see customers come into our banks but we know this isn’t always convenient for our customer. That’s why we try to be here when you need us – both in person and through technology!

In fact, it may be unfair to say that we offer the technology you need and the service you expect.  After all, we want you to need and expect both of these things from VCNB!

 

 

 

 

Show Your School Spirit With A VCNB Debit Card

If you’re looking for a way to celebrate your school spirit and give back to your school, VCNB may have just the thing for you!

With our School Spirit debit cards, you can have a debit card that features your local school’s logo to pump you up each time you swipe your card! There is a $10 annual fee associated with the card but five dollars of it goes back to your school every year.

We are adding more schools all the time but currently have partnerships with Vinton County, Logan Elm, Buckeye Hills Career Center, Circleville City, Jackson City, Wellston, Canal Winchester, Westfall and Teays Valley.

Don’t see your local school represented here? We’re adding more all the time so be sure to comment below and tell us which local school you would like to see us add next! Click here for details.  

 

 

 

 

 

New ATMs Are Coming To Most VCNB Branches

Exciting changes are coming to the ATMs at most of our bank branches! These modern ATMs essentially are a 24-hour branch for basic services that you can access from your car.

The new machines have larger, easy to read touch screens and a couple of features that our customers are already loving.

With intelligent deposit, customers are able to deposit both checks and cash without an envelope. Because of this, immediate access is granted to all the cash you deposit. Better yet, up to $500 of a check can be immediately accessed.

That means when depositing a check, you can immediately withdrawal up to $500 of that amount!

VCNB Vice President of Operations Bryan Radabaugh said that the new machines have been well received so far. “People seem to be loving it. They’re easy to use, easy to read and they give you access to your funds much more quickly than the old machines,” he said.

Making a deposit with these machines is easy. Simply insert your debit card, hit deposit and follow the prompts on the screen. Because deposits are not in an envelope, the machine reads each check and each bill individually, allowing the machine to calculate the deposit amount and allowing the customer to know their money is all accounted for in the deposit. If the customer disagrees with the machine’s calculations, there is an option to request the funds be returned to the customer rather than proceeding with the deposit.

The customer’s receipt for the completed transaction indicates the number and type of bills deposited, along with images of the checks they deposited.

This is a far cry from the old style machines which require customers to place their money in envelopes. Because the machine cannot tell whether the envelope is empty or full or whether the amount the customer types in is the correct amount, customers using the old machines have to wait to access their funds on the next business day.

Radabaugh said that his reports show ATM deposit usage has seen impressive increases in the branches with new ATMs. “We’re seeing a lot more people deposit in the evenings after the bank closes and even in the morning before hours. Sundays are also busy because many people are simply unable to bank during conventional hours,” he said.  “We don’t want anyone feeling like they’re not welcome in a branch but this is another channel for someone who struggles to make it into the lobby.”

The project, which started last fall, will be completed in early 2020. Branches with completed ATMs are Pataskala, Logan, McArthur, West Fair Avenue in Lancaster, Bremen, Laurelville, Commercial Point, Circleville and Grove City. A new ATM will be installed in Ashville in time for the opening of that new branch this summer. Customers at any of the above branches can request a demonstration from branch staff. Our employees will be happy to help you!

 

VCNB Customers Can Access Over 32,000 Surcharge Free ATMs

VCNB rolled out something earlier this year that’s been a game changer for many of our customers. It’s called MoneyPass®. Have you heard of it?

No?

Well, keep reading because we think you’ll like what we have to say.

MP_2CF(lg) [Converted]Moneypass is a network that allows VCNB customers to use more than 32,000 ATMs nationwide surcharge free! It’s easy for you to use and will provide you with access to an ATM nearly anywhere you go in the United States.

This means you can still access your VCNB accounts via an ATM without paying a surcharge when you’re on vacation, away at college, traveling for work or visiting family coast-to-coast.

Here’s how it works!

  1. Visit their website or download the MoneyPass app.
  2. Search the zip code where you need an ATM.
  3. Choose the ATM you wish to visit!

MoneyPass will even give you driving directions to your destination. It’s as easy as 1-2-3! Visit the MoneyPass website to get started or visit the App Store on your mobile device to download the MoneyPass app today!

What We Mean When We Say Relationship Banking

VCNB Billboard - Relationships Across Generations - (Rt. 50 Kenjoh Outdoor)

If you’ve seen our advertising and billboards this spring, you know that we’ve been talking about “Relationship Banking.” You might be wondering what that actually means.

To us, relationship banking is exactly what it sounds like. It’s about building relationships with our customers, bonds that last through a lifetime and often through multiple generations.

Whenever someone retires from our bank, we inevitably have customers who mourn the loss of their banker. For so many of our customers, their VCNB banker isn’t just someone who opens their account or loans them money. That person has helped them through many stages of life. From their first checking account to saving for a car or getting a first mortgage – their VCNB banker has offered sound advice over the years and has been with them through many stages of life.

This is how we’ve been successful for 152 years. We love helping you and hope to have the opportunity to help your kids and your parents and your friends as well. We want you to trust us so much that you open your child’s first passbook savings with us and that you don’t hesitate to recommend us to a friend searching for a new bank.

Our customer list is filled with countless examples of families who have been with us for generations. Don’t you want a banker you can trust? VCNB is here for you and for your lifetime of needs.

 

VCNB Tools That Save You Time

Do you ever look at the clock and wonder where the time went? Do you ever look at your bills and wish you didn’t have to spend so much time paying them? Do you ever wish you could cut a couple of errands out of your week? If you answered yes to any of these questions, you need to keep reading.

Since it feels like time is moving faster every day, here at VCNB we work hard to give you tools that will help minimize your banking chores and free up time for things you really want to do. Here are a few ways you can manage your time better through easy banking with VCNB Mobile and VCNBfamily.com.

Direct Deposit
With direct deposit, your paycheck is automatically deposited into the account of your choice. No need to pick up your check at work and make a trip to the bank.  Need cash? Grab cash back at the register or at an ATM. Not near a VCNB ATM? No problem! Now VCNB customers can use MoneyPass, an ATM network that gives customers access to over 32,000 surcharge free ATMs across the country. Click here to visit MoneyPass and find an ATM near you! 

Mobile Deposit
Deposit a check using the bank’s app, VCNB Mobile, and the camera on your mobile device! Intrigued?  Learn more here! 

Online Bill Pay
Online Bill Pay is a hassle free way to manage your monthly bills. You can use it to pay a single bill or you can set up auto pay for a number of bills. You choose the date the bill is paid and the amount you pay and let us take over from there! It also allows you to receive your bills electronically and set up payment reminders to ensure your bills are paid on time.  No stamps or checks required! This is a free service as long as you use it at least once every month but there is a $3 monthly charge for months that you do not use the service.

Auto transfers
Trying to save money for your child’s education or a family vacation? If you have a hard time remembering to save, set up automatic transfers! You choose the amount you save, the account the funds come from, where it goes and when the transfer takes place. Best of all, you can change any of this at any time.

Mobile app
With VCNB Mobile, you’re essentially carrying a banker in your pocket 24 hours a day. Use the app to set up those automatic transfers, to pay bills, view balances, review transactions, deposit checks and more!  Search for VCNB Mobile in the app store on your device. Now you can change your password in the app and can even set it up to log in using Touch ID.

Mobile Payment Options
VCNB offers Google Pay, Apple Pay® and Samsung Pay, allowing customers a secure, easy way to pay on the go with their VCNB debit or credit card. Learn more here! 

VCNB Business Support Team Works For You

As a business owner, you need every dollar and every minute to work for you. Your bank also needs to work for you. Here at VCNB, we understand that and we provide a Business Support Team to help you with business problems and solutions.

We recently sat down with Monica DeLong, Vice President of Retail Accounts at VCNB, to talk about what sets VCNB apart in the world of business banking. She had a lot to say on this subject.  “Most banks offer basically the same products so the things you find at big banks or regional banks are the same products we have here. What sets us apart from all the others is the dedication we have to our business customers and the services we provide them,” DeLong said.

In fact, VCNB offers a dedicated support phone line that rings into the Business Support Team. “When they call, they will hear a familiar voice, someone they’ve likely worked with before and someone who understands their business and what they need,” DeLong explained.

Another thing that makes VCNB unique is the complimentary set up services and training provided by bank employees. “If you sign up for Remote Deposit Capture, we don’t just ship the equipment to you. We actually go and set up for you. We demonstrate it, we help you learn how to use it so you’re comfortable and are ready to make those deposits from the comfort of your office. The same goes with payroll. If you use our payroll services, we come to you and we train you to use it. Then we offer support if you need it later.”

She pointed out that VCNB is also one of the few banks that offers Rewards Points for business checking customers. These points can be earned by using bank products and a debit card. They can be redeemed for cash back to the account, making it easy for business customers to earn a little extra cash just for doing their banking.

Another quality that many customers appreciate is the flexibility in online and mobile banking. With online banking, the account holder can assign as many people as needed to use online banking and to see as much or as little of the online banking content as necessary. So the employee responsible for payroll can be given access only to the payroll portion of online banking while another employee may only be given access to wire transfers. Checks and balances can also be put in place so that one person initiates something but a second person has to approve it.

“It’s our service that sets us apart,” DeLong pointed out. “We want the entire relationship with the customer so we want to make sure the entire process is a positive one. You’re never just a number, you’re a name and we know who you are.”

Ready to move your business relationship to a bank that really wants to work with you? Find your closest branch here!