We Are Here For You

These are challenging times for Americans. Whether you’re an essential employee, working from home, or not working at all, everyone has dilemmas ahead. Some of you are homeschooling your kids for the first time and need ways to keep them busy. Some of you are quarantined alone and need ways to keep up morale. Many of you are essential, working overtime, and fearful of what will happen if you get sick.

Here for You BadgeSome of you are struggling financially and in other ways.

We want you to know that we will be here for you no matter what the future holds. The wonderful thing about being a community bank is that we are able to quickly change with the times and adapt to the needs of our customers.

VCNB President Mark Erslan praised bank employees for how well they have adjusted in changing times. “I’m amazed at how quickly our employees have been able to adapt to this fluid situation. We’ve had a mix of employees working from home and in our limited access lobbies doing what we can for our customers. Whether we’re discussing options for payment relief or how to bank remotely or helping a customer refinance a mortgage without physically coming in the bank, our employees are working hard to adapt and do what they must to get the job done,” Erslan said. “We’ve been handling routine requests in new ways and our volume has been significant.   Our customers have been very understanding and patient with us as well.”

Our lobbies are available by appointment only and transactions are handled through the drive-thru, except in Jackson where they are practicing social distancing in the absence of a drive-thru. Some of our branches have made some small changes to their business hours as well. We are encouraging customers to take advantage of all the tools that allow them to bank and communicate with us from home. That’s for your safety and ours as we do our part to flatten the curve in our state.

With that in mind, we have been working to educate customers on the various ways they can safely do their bank business. For example, we recently wrote about the ins and outs of banking outside the branch  and about how the ATM can be used for more than accessing cash and account balances.

We have been interviewing our branch managers for a blog series called “Meet Your Banker.” It’s been fun telling their unique stories. It’s also been heartwarming to hear very similar messages from them all about how they love getting to know their customers and helping people.

As community bankers, we love people and we are committed to being here for you – not just when times are easy – but all the time.

That’s why we’re offering relief options for both personal and business customers. If you are experiencing financial difficulty related to COVID-19, please don’t hesitate to ask for help. Simply call our Customer Service Team at 1.800.542.5004. They will be happy to connect you with the right person who can explain your options and help you best.

We look forward to the day things go back to normal and we are able to greet you in our lobbies. Meanwhile, we encourage you to stay safe wherever you are and know that VCNB is still here for you.

As always, 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 we are here for you and proud to be your community bank.

 

 

 

 

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.

 

 

 

 

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!