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!

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! 

Customer Perspective: Apple Pay™

There has been a lot of buzz about Apple Pay™ here at VCNB since we became a participating bank. We thought you might like to hear some of the things our customers are saying.

Security is King
In this day and age where data and identity theft are on the rise, the security and privacy that come with Apple Pay are difficult to rival. Your card number is never stored on your device and when you pay, your card number is never sent to the merchant. Instead, Apple Pay assigns a unique number for each purchase so your payments truly stay private and secure. This means the merchant has no access to your information and there is no risk of your card being skimmed during the transaction.

Customers who use Apple Pay say they appreciate this advanced security!

Easy as Pie
It’s convenient and easy! Simply hold your phone near the reader and the machine recognizes how you want to pay. There’s no app to open or hoops to jump through.

Life in the Fast Lane
One customer argues that it’s a faster way to pay. In addition to processing as fast or faster than a typical card transaction, he said that it is quicker than pulling his wallet from his pocket and finding the right card. After all, an iPhone user typically has their phone at their fingertips! That means you can be checked out and on your way faster, leaving more time for what you really want to do.

To use Apple Pay, you need to have iPhone 6, iPhone 6 Plus, or Apple Watch 5 or 6 running on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air 2 and iPad mini 3 for in-app payments only. Apple allows up to eight cards on a device – not that you’ll need any more than your VCNB debit and credit cards! Click here to learn more about participating merchants and how to get started.    

 

 

 

 

 

Apple Pay™ Is Here!

Apple_Pay_logo_svgMany of you have asked for it and it’s finally here! Now you can use your VCNB debit and credit cards to make purchases with Apple Pay™. The contactless payment technology of Apple Pay is both convenient and safe, making this new technology a revolutionary way to pay in person and in apps.

Instead of reaching for your wallet, you can just tap your device at the cash register and wait a moment for the payment to process.

Your information isn’t stored on your device and, while the retailer receives their payment, they do not receive your personal information. Instead, Apple Pay assigns a unique number for each purchase so your payment information always remains private and secure. There are additional security measures in place including a way to delete cards if the device is lost or stolen. All told, Apple Pay makes spending far safer than carrying around a wallet full of cards.

In order to use Apple Pay, you need to have iPhone 6, iPhone 6 Plus, or Apple Watch 5 or 6 running on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air 2 and iPad mini 3 for in-app payments only.

Apple allows up to eight cards on a device – not that you’ll need any more than your VCNB debit and credit cards! Click here to learn more about participating merchants and how to get started.