Earn Rewards Points With A Visa Platinum Credit Card

Earlier this month we told you about Rewards Checking and how so many of our customers are accessing uChoose Rewards®. These rewards points can be redeemed for cashback to your checking account, gift cards, experiences, and other things simply by doing regular debit card spending and banking.

Today we’re going to talk about our Visa® Platinum Credit Card and how it can be used for earning rewards as well!

Here for You BadgeOur points savvy customers will tell you that having both the credit card and the checking account linked to the same uChoose Rewards account allows them to accumulate points more quickly. That’s because credit card customers earn one point for every dollar spent on purchases.

To earn points, you must register your card with the uChoose site. If you have both Rewards Checking and a Visa Platinum Credit Card through VCNB, be sure to link those cards to the same uChoose account to watch your points accumulate more quickly.

Click here for terms, rates and other important details about the Visa Platinum Credit Card. Note that customers who hold only the credit card are not eligible for cash back but can still receive all the other rewards including gift cards, movie passes, travel and merchandise. Receive 1,000 bonus points when opening a new Visa Platinum Credit Card account.

Contact your local banker or visit any of our branches to apply for a credit card or to learn more about uChoose Rewards and the Visa Platinum Credit Card.

 

Reward Yourself With Rewards Checking At VCNB

If you use your debit card a lot and don’t have VCNB Rewards Checking, you are missing out on an opportunity to earn rewards for everyday purchases and other banking activities. This includes cash back, gift cards, travel credits and all sorts of merchandise.

How does Rewards Checking work? It’s simple!

With Rewards Checking you will receive UChoose Rewards® Points for every PIN and Signature based purchase you make with your debit card. You will receive one point for every $3 spent as well as 200 bonus points for 21 or more purchases.

Additional points are also offered for using Online Bill Pay, Direct Deposit and Automatic VCNB Loan Payments. Receive 500 bonus points annually for the life of the card and 1,000 bonus points for opening a new savings account. Use a Visa® Platinum Favor Credit Card to earn one point for every dollar spent.

You do have to sign up for a UChoose Rewards account and link your debit card and credit card to that account to begin earning points and to later redeem all those points for those great rewards you deserve!

There is a $7 monthly fee for this account that will be refunded if you either use your debit card for at least fifteen or more transactions a month or keep a combined balance of $5,000 or more in all of your VCNB accounts.

We know you work hard for your money. Why not put your VCNB account to work for you?

Existing customers can ask their personal banker to easily switch from their current account to a VCNB Rewards Checking. New customers can open a Rewards Checking account online, on VCNB Mobile or in their neighborhood VCNB branch. Get full details by visiting us online.

 

Take Control Of Your Bills With Online Bill Pay

If you’re trying to bank and manage your money from home, one key tool provided by VCNB is Online Bill Pay. There are many advantages to using this service now and during regular times too.

Here for You BadgeWith Online Bill Pay, customers can maintain control over their payment activity without the expense of sending paper checks or the uncertainty over when the check will arrive. In fact, you can specify the exact date you want the bill paid and are able to set up payments to businesses of any size. Whether it’s the dentist down the street, the local electric company, or a Fortune 500 business, we’ve got you covered with Online Bill Pay.

 

Here are a few things you need to know:

  • Recurring payments can be set up on autopay. You choose the day you want the bill paid and we take care of the rest.
  • You can also pay bills on demand.
  • Easily sign up for e-bills from businesses that offer this service. This allows you to keep all your bills and payment activity stored in one place.
  • Your bill history is searchable so it’s easy to find past activity.
  • Setting up reminders helps you know when a payment is due.
  • You can even send money to a friend using just their email address. Do they owe you money? Send them a reminder! You can even split a bill with a roommate or someone else!

Access Online Bill Pay through your Online Banking at VCNBfamily.com and on VCNB Mobile, our mobile app. There is a quick three step process to get started and this service is free to customers as long as you use it once every month. Inactivity will result in a $3 monthly fee. Visit our Learning Center to view a tutorial on this service as well as videos about many other VCNB products. Click here to read more about banking outside the branch!

 

Make Deposits At The ATM

ATM depositThink the ATM is just for withdrawing cash? Think again! You can also deposit cash and checks at your local VCNB ATM. We are in the process of updating the ATMs at all of our branches. This means that machines at some of our branches have more advanced capabilities than those scheduled to be upgraded.

Here’s the breakdown:

New machines are available in McArthur, Logan, Lancaster W. Fair, Pataskala, Circleville, Ashville, Laurelville, Commercial Point, Grove City, and Bremen. Here, the machine is able to read images. This means that the customer follows instructions on the screen and inserts cash and checks to be processed without an envelope. The customer will receive immediate credit for up to $500 per day. The remainder of the balance will be processed and credit will be given next business day if deposited before 2 p.m. and on the second business day if deposited after 2 p.m.

The branches in Jackson, Canal Winchester, Chillicothe and on E. Main Street in Lancaster are operating with older machines and scheduled for upgrades. This means that the customer places checks and cash into an envelope for deposit in the ATM. Credit will be given next business day if deposited before 2 p.m. and on the second business day if deposited after 2 p.m.

We are actively and regularly cleaning our ATMs. However, we do encourage customers to take precautions by using hand sanitizer and washing their hands as soon as possible after use.

We miss seeing our customers in the branches and are happy to serve you through the drive-thru. However, if you need to make an after-hours deposit or if you wish to practice greater social distancing than you find at the drive-thru, please remember that the ATM may be a good option for you!

 

 

Banking Without Coming In

VCNB_V_CMYKWe have customers who have banked with us for years without coming into a branch more than a time or two. Want to know their secrets? We’re going to spend some time in the next couple of weeks doing a deep dive into how all of this works but for today, we’ll give you an overview. You’ve heard of thinking outside the box? We want you to think outside the bank!

Many of our customers receive their payroll, income tax returns, social security income, and unemployment income by direct deposit. This means they don’t wait for a check to arrive. Instead, the funds are automatically deposited into their bank account. No wait, no trip to the bank. It’s just there for them.

Customers who don’t come to the bank use their debit cards a lot and get their cash either at the ATM or at the check-out in the store. Since we have joined the MoneyPass® network, VCNB customers have access to a nationwide network of over 32,000 surcharge-free ATMs. That means, no matter where you go in the United States, you are likely near an ATM where the surcharges are free. Read more about that here.

Those customers make deposits using the ATM, Mobile Deposit on their phones, or even through Express Drop at the bank. Mobile Deposit takes checks and you’ll receive immediate credit for up to $1,000 per day if the deposit is made correctly. Checks and cash can be deposited at the ATM and through Express Drop.

These customers who prefer banking outside the branch also know they can apply for loans, open accounts and find many of their answers online. However, they also know how to reach us if they need us. They know that we’re just a phone call or online chat away.

As community bankers, we like people. We like to talk to our customers and get to know them. We like running into our customers at the ball game or in the store. Unfortunately, this period in our life calls for temporary changes and distance.

We thank you for your patience and for allowing us to be your community bank through this challenging time. Follow us on Facebook and subscribe to this blog to keep up to date with all the ways VCNB is here for you and proud to be your community bank.

 

 

 

 

COVID-19 Update: We’re Here For You

A lot has happened in the last few weeks and here at VCNB we have been working to stay on top of the latest developments. Our goal every day is to provide our customers with the services you need and deserve while keeping our employees and all of you as safe as possible.

As you know, the Ohio Department of Health has issued a Stay at Home mandate that is effective through April 6. Banks are a vital part of our country’s infrastructure and we offer important services to you. At this time, our lobbies are currently closed, but our drive-thrus are still open. In order to minimize face to face contact, we are encouraging our customers to use our online banking, mobile banking and local branch ATMs and drive thrus. We realize that may not always be possible, so we are allowing customers into our lobbies by appointment only in order to limit the face-to-face exposure for both our customers and employees. Should you need to make an appointment, please contact your local branch or call 800.542.5004. We appreciate our customers patience with us during this time.

We are taking steps to keep the drive-thru tubes and ATM keypads clean but we still encourage you to keep hand sanitizer in your car as a precaution.

Safety for our people is a priority that we take most seriously. That’s why we have been proactive in practicing social distancing and in encouraging employees to keep work areas, common employee areas, and public spaces as clean as possible.

Many of our employees must report to the office but there are a lot who can telecommute and we are actively deploying technology necessary for them to do so. Meanwhile, we have also eliminated travel among our branches and are encouraging conference calls or web meetings instead.

We know that many of you are experiencing financial hardship and uncertainty related to COVID-19. With that in mind, we do have some relief options available to personal and commercial customers. If you think you may need help, do not hesitate to ask. Simply call our Customer Service Team at 1.800.542.5004 and they will direct you to the banker who can best help your individual situation.

No matter what you do, be sure to wash your hands often and don’t touch your face after handling anything in public. If you’re on the front lines working in vital areas like farming, retail sales, the food industry, trucking, health care, first response, or one of the many other areas that’s keeping our state going, we thank you. Be safe and take care of yourself.

Please know that social distancing isn’t the same as social isolation. Your bankers are still here for you. Have a question for your banker? Call us at 1.800.542.5004 or chat with us from our website. Member FDIC.

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!