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Tag Archives: Account Alerts

Find Peace Of Mind With Account Alerts

Posted on October 12, 2021 by vcnbfamily
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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! 

VCNB offers many useful tools to help you stay informed about your money and alleviate the stress that comes with not knowing what’s happening with your accounts. One example is our Account Alert service which allows customers to choose specific prompts to receive an alert by text, email or through VCNB Mobile.

There are literally dozens of alert options related to account balances, security, transactions, transfers, loans, collateral, ATM and debit cards, certificates of deposit and other areas of your banking business. For example, you can receive an alert if your account balance dips below a certain threshold, if you’re overdrawn, or if a transaction has posted. So if you want to know that your checking account balance has fallen below $600, you can receive that alert. You can receive an alert if your balance goes above a certain threshold too.

Many loan customers find it convenient to receive a reminder when a payment is due or when an escrow payment was posted. In this world where fraud is a constant threat, there are numerous security options to select as well. Receive alerts if someone changes your name, contact information or online banking password and another whenever someone signs into your Online Banking.

Log in to Online Banking and click “Alerts” to view all the options and to begin selecting the ones that are right for you. This is a free service provided to all VCNB customers and one that we hope you will find useful!

Posted in Money Smart, Products and Services | Tagged Account Alerts, Bank Accounts, Community Bank, Technology, VCNB Financial Family, Vinton County National Bank | Leave a reply

Account Alerts Give Peace Of Mind

Posted on June 23, 2020 by vcnbfamily
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Peace of mind comes with knowing what’s happening to your money but no one wants to monitor their online banking 24 hours a day – even though you can. That’s why we offer VCNB Account Alerts to help you track the banking transactions that are important to you!

Here for You BadgeWhether you need a reminder that your loan payment is due, want to know when your debit card has been used, or like to know when your direct deposits arrive, Account Alerts will keep you in the know about your money. You can even set notifications for when your account balance reaches below a threshold to help prevent overdraft.

How is this possible? You simply log into your online bank account, choose the alerts you would like to receive and tell us if you want those alerts delivered by text, email, secure message or push alert. We’ll take care of the rest!

Alerts are available for checking and savings accounts, loans and certificates of deposit! Here are some of the alert categories you can choose from through your VCNB Online Banking:

Balance and Transactions
ATM/Debit Card Activity
Transfers
Fees and Notices
Loan Activity
Certificate of Deposit Activity
Safe Deposit Box Payments 

Signing up is easy and can be done in just a few simple steps once you have signed into your Online Banking. Once logged into your account, click Alerts and then view Alert Options to see the list of available alerts. Select the alerts you want to receive for each account and then choose how you want those alerts to arrive.

If you’re using VCNB Mobile, there is a link called Manage Alerts at the bottom of the Accounts page. Click this to reach the menu of alert options.

Once you’re done, remember to save your choices. You can log in and change your alert preferences as often as you wish!

 

Posted in Here For You, Products and Services | Tagged Account Alerts, Community Banking, VCBN Mobile, VCNB Financial Family, Vinton County National Bank | Leave a reply

Prep Your Teens For Financial Success

Posted on May 20, 2020 by vcnbfamily
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If there’s a teenager in your life, that means they’re just a few short years away from being on their own. Are they ready?

There are a lot of things teens need to be comfortable with before heading to college or into the workforce. Managing money is one of them. Luckily, we can lend a hand.

Here for You BadgeMost teens have some source of income whether it be from an after school job or an allowance from mom and dad. Regardless of how much they have, now is the time to teach them to responsibly use a debit card and manage the money at their disposal.

That’s where a Student Checking My Way account at VCNB comes in.

VCNB Student Checking is designed for teens ages 14-17. There is no minimum balance requirement and your student will have access to all the benefits of online and mobile banking including internal transfers, Online Bill Pay and Account Alerts. They can easily log in to develop the habit of monitoring their transactions and balances so they always have knowledge and control over their money.

While a standard debit card is free, there is a $5 annual fee for a custom debit card or an optional upgrade for a school spirit debit card for $10 annually. Of that fee, $5 is donated to their school each year!

Students can learn how to find and use an ATM nearby through the MoneyPass network which has 32,000 surcharge free ATMs nationwide. This tool will help them access cash or make deposits at the ATM no matter where life takes them after graduation.

Parents can monitor activity by setting up account alerts via text or email, making it easy to know how teens are spending their money. Account Alerts can be received when a debit card is used or even when the account balance falls below a certain amount.

Learning to responsibly use these tools will give your teen a strong foundation for managing their money for a lifetime. That’s why we encourage parents and teens to work together so they are prepared to manage their own money after graduating high school. This very simple step can make a huge difference to a young person heading out into the word.

A Student Checking account can be opened online but a parent or guardian must be made a joint owner of the account for students under the age of 18. We recently wrote about understanding credit, another topic important to teens. Click here to read that story today.

 

 

 

Posted in Money Smart, Products and Services | Tagged Account Alerts, Debit Cards, Money Management, Real World, Student Checking, Student Checking My Way, Teens, VCNB Financial Family, Vinton County National Bank | Leave a reply

Find Peace Of Mind With Account Alerts

Posted on December 5, 2018 by vcnbfamily
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Looking for a simple, free way to keep track of your banking activity? Consider Account Alerts at VCNB!

With Account Alerts, you choose the type of alerts you wish to receive and whether they arrive via email or text message. There are nineteen alerts to choose from, all designed to keep you informed about the account activity that’s important to you.

Account Alerts provide peace of mind as you can set up alerts to know whenever your debit card has been used or when your account reaches a specific balance. Get an alert when your car payment is due or when a check has cleared.

With the busy holiday season upon us, this is a simple and hands off way to keep tabs on your banking.

Here are the alerts you can choose from:

CHECKING ACCOUNTS
Check Clear
Check Presented
Checking Balance
Checking Overdraft
Debit Card POS Purchase
Checking Transaction Posted
Debit Card Transaction
Transaction Limit Reached
Checking ATM Alert
Checking Pending Transaction
Mobile Deposit (1 business day after deposit)

 
SAVINGS ACCOUNTS
Savings Sweep
Savings ATM
Savings Balance
Savings Pending
Savings Transaction Notice
Mobile Deposit (1 business day after deposit)

 
LOANS
Loan Advance
Loan Payment
Loan Past Due

 
CERTIFICATE OF DEPOSIT
CD Maturity

Ready to sign up for Account Alerts? Here’s how you do it:

  1. Once you log into Online Banking, go to the Message box
  2. Select New under Account Type
  3. Choose the alerts and delivery method you prefer
  4. Enter email address or mobile number as directed
  5. Select Done!
Posted in Money Smart, Products and Services | Tagged Account Alerts, VCNB Financial Family, Vinton County National Bank | Leave a reply

Tips For Your Summer Banking

Posted on June 3, 2018 by vcnbfamily
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Holiday money concept - Banknotes with sunglasses in a beach chair and sand background

School’s out and vacation season is upon us. During the lazy days of summer or the fun filled days of vacation, you don’t want to be preoccupied with paying bills, going to the bank or worrying about money. That’s why we offer a number of options to make it easier for you to put your banking on cruise control while you journey through whatever the summer holds.

  1. If you’re traveling, remember that we have an excellent Fraud Department that looks out for potential fraud on your cards 24 hours a day. If you’re traveling with a debit card, be sure to use your PIN to avoid being flagged by our Fraud Department. Before you leave for vacation, contact us to make sure we have your cell phone on file. That way, if there is any trouble, we can reach you the instant it happens. If we only have your home number, we may not be able to reach you when you need your card the most.
  2. Using Online Bill Pay is a convenient way to schedule your bills to pay just once while you’re gone or even as a reoccurring payment. You choose how much to pay and when it will be delivered and we do the rest! This is a free service as long as you use it at least once a month.
  3. You can do a lot of your banking on the go with VCNB Mobile, our app which allows you to transfer funds between accounts, pay bills, check balances and even deposit a check using the camera on your device. Now you can even change your online banking password in the app rather than log in to a computer to do it.
  4. Account alerts are a terrific way to be reminded that you have a loan payment due, find out when a deposit hits your account or that your VCNB debit card has been used. A lot of our customers use this last account alert to know each and every time a debit hits their account so they can detect fraud early. We have about two dozen different kinds of account alerts and they are all free for our customers to use!

One last thing – regardless of whether you’re traveling far away or just tooling around your hometown, be sure to always carry an alternate form of payment. Occasionally, you’ll find yourself in a place where plastic isn’t accepted or your card will be flagged for fraudulent activity and has to be turned off. We’ve known customers to fly across country only to have their card turned off because they were a victim of fraud. Always carry a second card or cash just in case you run into trouble.

What are your summer banking tips? Comment below and tell us!

 

 

Posted in Money Smart, Products and Services | Tagged Account Alerts, Fraud, Online Bill Pay, Vacation, VCNB Financial Family, VCNB Mobile | Leave a reply

VCNB Can Help You Sleep Easier

Posted on June 4, 2015 by vcnbfamily
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Does your money ever keep you awake at night? Maybe you can’t remember if you paid a bill on time. Maybe you aren’t sure how much money you have in the bank or are worried you don’t have enough money for an emergency situation. There are lots of money related scenarios that can ruin a perfectly good night’s rest. Luckily VCNB offers a number of services that will help you rest easy, at least where your money is concerned.

24 Hour Access
Thanks to technology like our website and mobile banking app, your accounts are accessible 24 hours a day from anywhere that you can use your computer, tablet or smart phone. Want to know if your payroll was deposited? Need to pay a bill or transfer funds from your checking to your savings? These are things you can easily do using our technology.

Automation
Some of our customers say they are just too busy to keep their bills on track. They can afford to pay their bills, they just forget. Then they incur late fees and risk damage to their credit rating because of it. With Online Bill Pay, you can schedule your bills to pay one at a time, giving you complete control and knowledge of just what’s happening with your money. But if you’re one of those people who struggle in this area, you can also automate those bills to pay on time month after month. Just schedule it and rest assured the payment will occur when you want it to.

Alerts
Maybe you want to know what’s happening with your money but don’t have a smart phone or wish not to log in to your account regularly. You can have account alerts sent via text or email for up to nineteen different reasons. We can notify you when a loan payment is due, when a check clears or when your account dips below a certain balance. We can even notify you every time a debit card linked to your account is swiped at a cash register. You choose the notifications you want to receive and how you want to receive them. We do the rest!

Fraud Prevention
In this age where so many criminals are out to steal your money, it is difficult to know who you can trust. Identity theft is a major threat to consumers and even major retailers with respected names are at risk of a security breech. The fraud detection departments associated with our debit and credit cards are fantastic. They stay on top of national trends and potential threats to you, the individual customer. While we can’t guarantee you won’t be a victim of fraud, our card departments do everything they can to prevent it from happening to you when you use our cards. With our cards, we have 24-hour fraud monitoring so, while you sleep, someone is looking out for you.

Emergency Fund Services
One main cause of money worries is the fear of emergency. Whether it’s something major like job loss or something small like a new set of tires, any unexpected emergency can be a threat to your financial well-being. We can help you consider the options for an emergency fund. Some customers have a savings account where they regularly deposit money for such events. We can help you open a savings account and even help you set up automatic transfers into your savings from another account. Some of our customers opt to rely on a credit card in emergencies. We can help with that too.

Stop by your local branch and talk to one of our experienced accounts representatives about the money worries that keep you awake at night. We would love to help!

Posted in Money Smart, Products and Services | Tagged Account Alerts, Mobile Money, Online Bill Pay, VCNB Financial Family | Leave a reply

Take The Stress Out Of Banking

Posted on April 21, 2015 by vcnbfamily
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Life is stressful and, if you’re like most people, money is a major contributor to life’s stress. Maybe there’s not enough money. Maybe the simple act of paying bills is stressful and time consuming. Maybe your strained relationship with money is causing a kind of disorganization that only makes your money relationship more stressful.

At VCNB we strive to make your banking experience simple and less stressful. We have been thinking a lot about this lately because April is National Stress Awareness Month.

We believe that being informed about your money is half the battle. That’s why we offer you so much access online and on your mobile device. Whether you are sitting at home or are just on a quick break from work, you can easily manage your money and get your questions answered.

Managing your money doesn't have to be stressful. VCNB offers services that make banking easy!

Managing your money doesn’t have to be stressful. VCNB offers services that make banking easy!

What are some things you can do online and in our app?

Check Balances – You can see at a glance the balances of all your accounts.

Transfer Funds – Maybe your checking account balance is getting a little low. You can easily transfer funds from your savings. Or maybe you want to automatically save $20 a week. You can set up automatic transfers so that you never forget.

Open Accounts – From checking and savings to an IRA or HSA, opening an account online is easy and can be done 24 hours a day. While we love when customers visit, we understand this is simply more convenient for a lot of folks.

Popmoney® Personal Payment Service – If you owe someone money you can send funds from your account to theirs. All you need to know is their mobile phone number or email address. It does cost .50 per transaction but that is cheaper (and easier) than writing and mailing a check or hitting the ATM.

View Rates – You’re thinking about opening a CD but you want to know the rate. You can find all this online now!

Pay Bills – This is the big one for a lot of people. Once you enter the information for your payees, their information is stored. So when you go to Online Bill Pay, all you have to do is enter the amount of the bill and the date you wish the bill to be paid. Better yet, many customers appreciate automatic bill pay which ensures that your bills are paid on the same day every month. Bill Pay is free as long as you use it at least once a month. There is a $3 fee if you do not use it monthly.

Online Chat – If you have questions but can’t visit an office or talk on the phone, online chat is a great option. Just find the chat button on our home page and type a question or comment. Someone will help you right away.

Finally, remember that whether you bank online or in one of our seventeen offices, we have a terrific staff to help you along the way. Whether you call Customer Service, chat with someone from the website or stop by a branch, we want your experience to be pleasant and stress free.

Posted in Money Smart, Products and Services | Tagged Account Alerts, Bill Pay, Certificate of Deposit, Mobile Deposit, Popmoney, VCNB Financial Family, Vinton County National Bank | Leave a reply

Protect Yourself From Fraud

Posted on December 10, 2014 by vcnbfamily
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With the holiday season upon us, the threat of fraud increases every day. We know you are busy but it is important to stay on top of things even while you are celebrating and searching for the perfect gifts.

One problem we face today is that fraud comes from so many different sources and comes in many forms. Whether it is online, over the phone or in-person, you can take steps to reduce your risk.

When shopping in a store, carry only the cards you intend to use, never leave your purse or wallet unattended and know where your card is at all times, even when the cashier has it. Also, be sure that others are not capturing your PIN number when performing PIN transactions.

Wealth locked inWhen paper checks are converted to an Automated Clearing House or ACH at a merchant, store voided checks safely to prevent counterfeit checks or unauthorized ACH transactions.

When using an ATM, inspect the area around the card reader area for any tampering, tape, glue or other evidence of a card skimmer. A skimmer is an electronic device that is installed over the normal card reading slot of an ATM to record data from the magnetic strip on the back of your card. This device is often accompanied by a hidden camera that records your PIN. Pay attention to what the card reader and keypad normally look like on the ATMS you frequent and don’t use an ATM if the card reader fits poorly, is loose or appears to be added on.

In the cyber world, it is important to protect your personal information and your computer. That means keeping updated anti-virus software on your computer and being smart about how and where you share your information.

Shop online with trusted merchants and look for the https: to indicate that the page is encrypted. Use strong passwords that consist of a combination of upper and lower case letters, numbers and special characters for all online accounts. Did you know that “123456” and “password” are the two most common passwords in the world? Avoid these as well as passwords that contain personal information that is easy to find in your social media profile. While it may be inconvenient, change your passwords regularly as well.

Also be suspicious of emails or Facebook messages from people you don’t know. Don’t open the email or click on any links within the message. If you are like most Americans you keep a lot of personal data stored on your smart phone or tablet. Prevent that information from falling into the wrong hands by locking your mobile devices with a password. Some devices also come with apps that allow you to track and even erase data from missing devices.

And while it may be low tech, do not underestimate the power of the telephone for criminals. People posing as debt collectors, those making charity requests or even government representatives can be very convincing over the phone. If someone calls, attempt to confirm that they are legitimate by requesting their name, address, phone number and other relevant information. If they claim to represent a well-known organization like the IRS or VCNB, hang up and call the organization’s published phone number. If you suspect fraud is involved, contact local law enforcement.

Criminals will commonly ask for personal information to help you claim a prize. Remember if something sounds too good to be true, it probably is. Also remember that VCNB will never request personal information over the phone or online. Never give out account information, your PIN, Social Security number or other important data.

Finally, be sure to regularly keep track of receipts and transactions. Keep and read receipts to ensure they reflect the correct transaction amount. And review your accounts in some way regularly. At VCNB, you can set up Account Alerts so that you receive a text message or email each time a transaction posts. You can also call our Telebanc line at 1-800-317-5990, check balances online at www.vintoncountybank.com or call Customer Service at 1-800-542-5004.

Monitoring your credit report regularly is another effective way to identify problems.

If you think your VCNB account has been compromised, contact your local branch or Customer Service immediately. If you call outside of business hours, there is an option in the phone menu to report a lost or stolen card. Choose this option to protect your card and yourself from damages and then contact Customer Service during business hours.

 

 

Posted in Money Smart | Tagged Account Alerts, ATM, Canal Banking Center, Card Skimmer, Citizens Bank of Ashville, Franklin County Banking Center, Fraud, Friendly Bremen Banking Center, Hocking Hills Banking Center, Ross County Banking Center, Salt Creek Banking Center, VCNB, Vinton County National Bank | Leave a reply

Account Alerts Help You Follow Account Activity On the Go

Posted on April 29, 2014 by vcnbfamily
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Would you like to keep up with your account activity without actually logging in to your account? If you sign up for Account Alerts you will be notified about any account activity that you consider important. These alerts can be delivered via email or text message (standard text messaging rates may apply).

There are more than twenty different kinds of alerts available to suit your needs and best of all this service is offered for FREE through Online Banking. Account Alerts are available for Checking Accounts, Savings Accounts, Loans and your Certificate of Deposit.

account alerts chart - blog

 

Signing up for Account Alerts can be done in just a few easy steps!

  1. Log into Online Banking
  2. Go to the Message box
  3. Select New under Account Type
  4. Choose the alerts and delivery method you prefer
  5. Enter email address or mobile number as directed
  6. Select Done, it’s that simple!

What are you waiting for? Take advantage of this free service from VCNB today!

 

 

 

Posted in Products and Services | Tagged Account Alerts, Banking, Bremen Banking Center, Canal Banking Center, Certificate of Deposit, checking accounts, Friendly Bremen Banking Center, Hocking Hills Banking Center, Loans, Mobile Deposit, Ross County Banking Center, Salt Creek Banking Center, Savings Accounts, VCNB, Vinton County National Bank | Leave a reply

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