Pack An Extra Form Of Payment

If you’re planning a vacation this summer, you’re probably eager to pack your bags and hit the road. But before you go, there’s one more thing to pack – one or two extra forms of payment.

We know that you love your plastic and we swipe our debit and credit cards more today than ever before.  After all, it’s quick and easy, it’s safer than carrying a lot of cash and, if you’re a VCNB customer using Rewards Checking or our Platinum Visa© Card, you earn UChoose® Rewards Points on purchases.

PrintUnfortunately, plastic is not always foolproof. While most businesses accept credit and debit cards, some mom and pop establishments, festivals and farmer’s markets are not equipped to do so. Also, technology is imperfect and occasionally even major retailers experience a hiccup that prevents them from accepting cards.

Also, with the increased use in debit and credit card usage has come an increase in the amount of fraudulent activity related to cards. That’s why we have a great Fraud Department here at VCNB to monitor your activity round the clock. If we see something that is clearly fraudulent or that looks suspicious, we will place restrictions on your card and then give you a call to confirm that you are actually making those purchases. This is meant to protect you and your money but can sometimes cause an inconvenience for the customer.

We occasionally have customers who are on vacation, spending outside their regular pattern of activity, who will be flagged by the Fraud Department. If you can confirm that it’s really you spending your money, the restrictions will be released and you can go about your vacation. If it’s not you, we will shut down your card to prevent future fraudulent activity and take actions to get you a new card. If that’s the case, you will need another way to pay.

There are many options for a second or third form of payment. If you plan to pay primarily with debit, take along a credit card and some cash too. If your primary payment is going to be credit, a second credit or debit card and some cash might come in handy.

Here at VCNB, we offer credit cards as well as a Reloadable Travel Card. You can use it to make purchases anywhere worldwide that Mastercard© is accepted. It costs $5.99 to purchase but we are waving this fee through the end of July. The Travel Card and other reloadable/gift cards are available in any VCNB branch. Click here to learn more. 

And, of course, cash is still accepted almost everywhere.

By the way, if you’re planning to travel, take a minute and give us a call. If we know you’re out of state or out of the country, you’ll be less likely to experience a disruption in service. Also be sure to give us your mobile phone number. If our Fraud Department does need to reach you, you don’t want them calling your home when your card is being rejected in a restaurant far from home.




Library Spotlight: Kids Programs At Pataskala Public Library

It’s National Library Week and here at VCNB we marvel at the vast resources available from our local libraries. All of our communities are served by libraries that are welcoming community centers as much as they are buildings filled with books. From traditional books and periodicals to movies, audio books, e-books and free internet access, libraries offer individuals and families free access to all kinds of media and information. Factor in the programming for kids and adults and they become a place to socialize and be entertained.

In fact, the list of resources available at our local libraries is practically a mile long. Today we are going to tell you about activities for kids available at the Pataskala Public Library. The following programs typically run at the listed times. Call the library or visit their website to confirm event times and for more information.

Preschool Storytime
Tuesdays at 10 a.m. and 1 p.m.
Geared toward ages 4 and 5 (or not yet in Kindergarten). Share stories, rhymes and end with a craft!

Toddler Time
Wednesdays at 10 a.m.
Thursdays at 10 a.m.
For ages 2 and 3. Share stories, rhymes, songs and end with a simple craft!

Wee Read Baby Storytime
Wednesdays at 11:15 a.m.
For ages 6-23 months. Share short stories, board books, bounces, rhymes, bubbles and end with playtime!

Evening Family Time Program
Thursdays at 6:30 p.m. Twice a month
All ages are welcome as this program is for the entire family! Features stories, rhymes, music, special activities, visitors and more! Every week is different and they have some exciting events planned.  Upcoming dates are:

April 21- You Have Some Imagination!
May 5 – Columbus Zoo Visit 
May 19 – How Is My Grooming?

The Summer Reading Club is scheduled to kick off on June 6 at 6:30 p.m. with juggler Matt Jergens.

The Pataskala Public Library is located at 101 S. Vine St. in Pataskala. Call them at 740.927.9986, follow them on Facebook or visit them online.




Business Spotlight: Improving Health In Fairfield County

We understand that being a small business owner is tough. That’s why we plan to spotlight a different business each month to help you learn about unique businesses in your own back yard.  

In a world where time and money are at a premium, the YMCA in Lancaster is making it easy and affordable for people of all ages to achieve their physical fitness goals. The Robert K. Fox Family YMCA helps strengthen the community by teaching youth development, healthy living and social responsibility.

By offering a wide variety of youth programs – from gymnastics to swimming – the YMCA works with children to help them reach their full potential. By teaching more than the fundamentals of a sport, the YMCA teaches kids fair play, allows everyone to participate and helps kids develop social interaction skills they will use for a lifetime. Best of all, the YMCA scholarship program allows everyone to participate, regardless of their ability to pay.

Last year, a Gallup poll revealed that 27.7 percent of Americans are now obese, the highest obesity rate in American history. The YMCA works to combat this epidemic by teaching overall healthy living in their wellness center. They encourage members, not just to exercise, but to also eat healthy and sleep consistently to keep their minds and bodies in shape. A balance of these three areas will help create a healthy lifestyle needed to live a long and happy life.

With 15,000 square feet of wellness center equipment and more than one hundred fitness programs that members and community members can participate in to gain needed strength, there are abundant opportunities for people of all ages to find the activity that works for them.

The YMCA also teaches social responsibility and strives to pay back the community for all the community does for the YMCA. For example, they have a Live Strong program for cancer survivors. This life changing addition to their schedule involves a free program of exercise and social interaction for people recovering from cancer.

There is even a child care program for families with kids. Child care for kids in school is offered along with a summer program for children who need a place to learn and grow especially for families who are working. They even have a preschool program for young children to start them on the road to a “healthy” education in Lancaster.

Their 36,000 square foot RecPlex facility provides ample space for tennis, volleyball, baseball, boxing and gymnastics. Purchased in 2008 and renovated in 2009, the RecPlex has allowed the Y to act on the vision of expanding services to the community, expanding the nationally recognized gymnastic program, and offering children a place to call their own. By investing in local kids, neighbors and the health of all, the YMCA ensures that everyone, regardless of age, income or background, has the opportunity to thrive.

The Robert K Fox Family YMCA is located at 465 W. Sixth Ave. on the west side of Lancaster. The RecPlex is located at 1180 Locust St., on the east side of Lancaster. To learn more about the Robert K Fox Family Y, go to the website, or call 740-654-0616.












Better Together

Some things are simply better together.

That’s how we feel about our checking and savings accounts here at VCNB. One is great but the two are even better together!

300X600 Audience Network (VCNB)Think of your checking account as a place to manage your money. This is a transactional account from which you can make frequent withdrawals. You can do this by making debit card purchases at point-of-sale machines or by writing checks. You can make ATM withdrawals or come into the bank to withdrawal or deposit money. You can even pay bills online.

A savings account is a different kind of animal. Instead of using this account for daily transactions, a savings account is used for . . . you guessed it! Saving money!

It’s a great place to tuck away funds for an emergency or for a rainy day. If you’re planning a vacation or getting ready for Christmas, a savings account is a great option for keeping those funds separate from your daily spending money. While it’s kept in savings, your funds will grow some with interest.

Because federal law dictates that you can only make six savings withdrawals per month, this is a perfect place to park money and forget it until you actually need the cash. One time or periodic transfers of funds from your checking to savings make saving money much easier.

Right now, we are rewarding customers who open a new checking and savings at one time. From now through March 31, 2015, open a Checking My Way or Classic checking account and accept a debit card to receive a cash bonus of $100. If you open a Passbook savings account at the same time as the checking, you will receive an additional cash bonus of $50.

To receive the bonus, customers must make a $100 minimum deposit into the checking account and a $100 minimum deposit into the savings account. The account can be opened online or at a branch with a coupon requested online.

Want more information? Be sure to read the terms and conditions pictured below. Simply click on the photo to enlarge. Are you ready to open your new accounts? Click here!  

Checking + Savings Terms and Conditions


Your Financial Checklist

We’ve been talking a lot lately about spending tips and saving money on our Facebook page and here on our blog. It’s a timely topic with January being Financial Wellness Month.

Today we have a checklist to help you get started toward your money goals today!

Financial Checksheet

Follow us on Facebook and subscribe to this blog to keep up with VCNB!

It’s the Right Time to Get $100

Money with Clock

Every day is a good day to open a checking account with VCNB, but this is an especially lucrative time. Have you heard that we’ll give you $100 when you open your new checking account? You read that correctly. We will give you $100 if you open a new checking account with us this month.

It's the Right Time Terms and ConditionsOpen a Checking My Way or Classic Checking account with VCNB online and we will give you $100! To qualify for the bonus, you must fund your new account with a minimum of $100, be a legal resident of the Continental U.S. and be 18 years or older.

Your new account must be opened by January 31, 2015 to qualify for the offer.

Visit our website to learn more or to open your account today!

VCNB announces holiday hours

Christmas 2014 Collage

The holidays are finally here and VCNB offices will be closed some so our employees may celebrate with their families.

All of our offices will close at noon on Christmas Eve except for our Young’s Family Market location which will be open from 11 a.m. to 3 p.m.

All of our locations will be closed on Christmas Day and New Year’s Day. However, our website and mobile banking app are available 24/7.

We appreciate our customers and wish you and yours the happiest of holidays.

On the Go? We Can Help!

On the go? We can save you time! With just a few simple steps, Online Banking at VCNB can save you time during this busy holiday season. You ask how? Here are just a few things you can do online that will help!

Schedule Bill Payment
Who has time to write checks, search for a parking space at the post office and then stand in line for stamps? By using Online Bill Pay, you Couple on computercan pay all your bills without checks or stamps. Just enter some basic information about your account with the business you are paying and we take care of the rest. You can schedule payments either for one time or for automatic payment. While you’re at it, get a jump on 2015 by scheduling bills for payment in January. Done and done.

Be a Payback Hero
If you have Online Bill Pay, you also have Popmoney ®. This personal payment service allows you to send and receive money with the same ease as sending an email or text message. All you need is the recipient’s email address or mobile phone number to send them funds from your VCNB Online Account. The cost is .50 per transaction, making Popmoney cheaper than writing and mailing a check to someone. With Popmoney you can payback a friend or relative or even send monetary gifts to loved ones far from home this season.

Transfer Funds
We welcome you to visit the bank as often as you like but we understand that folks are busy. If you just need to transfer funds from one account to another, you can take care of that through Online Banking. It’s as easy as 1-2-3. When you log in to Online Banking, just look for the Transfers tab.

Check Balances
While you’re logged in, check your balances and activity. Contact Customer Service immediately if you believe there are fraudulent charges on your account. And of course, make sure you really have the money you think you should have. After all, being one of Santa’s elves can be expensive and it’s easy to lose track of what you are spending.

If you are not internet savvy or are on the go, remember that our Telebanc telephone service is available 24 hours a day. Call 1-800-317-5990 to check your balances, review account activity, transfer funds and make payments. It’s easy to use and free!

This is a busy time of year. Trim the trouble of banking from your list and just enjoy the season!