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.

 

 

 

Small Business Spotlight: Loose Rail Brewing

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

Loose Rail - LogoThere’s a new business coming to Canal Winchester that has been generating excitement since it was announced last year. That’s when we learned the number one craft beer maker in the United Kingdom will construct its USA headquarters in Canal Winchester. While Brewdog’s new 40-acre campus is a few months from opening, we thought craft beer aficionados and small business enthusiasts would enjoy learning about another much anticipated local brewery prepping to open in the heart of Canal Winchester.

Nathan and Kelley Doerfler, owners of the Canal Winchester landmark Harvest Moon Craft Kitchen and the Garden Herb Shop, originally intended to expand Harvest Moon to a second location but plans changed when another opportunity presented itself. Approximately 18 months ago, the plans shifted toward building a brewery. In a whirlwind time period for the couple and with help from the Canal Banking Center, the perfect location – a former power substation for a rail line that ran until the early 1900s – was targeted and purchased.

Joined by business partners Jonathan Woodruff and Dennis Smalley, the newly minted “Loose Rail Brewing” operation began to take form. The building is located just walking distance from Harvest Moon in downtown Canal Winchester.  What this means for the brewery is that while they won’t have a full kitchen and menu  in the beginning, they will offer a food shuttle service from the Harvest Moon for limited menu items.

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Loose Rail will be a seven barrel brew house, with four fermenters, a taproom, a patio, a bar, and first and second floor seating.  Five beer recipes are being brewed – the craft brew standard India Pale Ale, a Session IPA, an Amber, a Pilsner, and a Stout.  Nathan said it was important to offer something for everyone.  Loose Rail hopes to separate itself by being created as a family-friendly space, in which families large and small can stop in to listen to live music on the weekends, host gatherings, and bring food in to sit outside on the patio to enjoy an evening open-air dining.

The excitement is growing and the promotion of the brewery is well underway.  Buzz is growing on social media and merchandise and apparel are being printed and sold at Harvest Moon.  They’ve already been featured in Columbus CEO magazine, The Dispatch, Columbus Underground, and Columbus Business Monthly.  They also are being added to various Ohio beer trail maps and look forward to bridging the gap between Central Ohio breweries and the growing craft brew hotbed that is Southern and Southeastern Ohio.

The old railroad building at 37 Waterloo Street is really starting to take a life of its own as Loose Rail Brewing and though adding a brewery to their business portfolio has been an exciting process so far, it hasn’t all gone smoothly.  Nathan says Loose Rail was originally targeted to open this summer but an overwhelming amount of nationwide permit requests within The Alcohol and Tobacco Tax and Trade Bureau has caused the opening to be delayed.  It’s now tentatively slated to open on Labor Day Weekend but, at this point, they are playing a waiting game as it’s out of their hands.  The good news?  There are a host of people anticipating the grand opening, anxiously awaiting the official announcement.  “This community has been really supportive and there is a lot of excitement for this,” Nathan says.  “We can’t wait to get going!”

Click here to visit them on Facebook! 

 

 

Local Business Spotlight: Blystone Farm

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. 

WP_20150707_10_30_51_ProIt’s summertime in Ohio and the season for sunshine, swimming pools and family gatherings is upon us. That means perfect weather for grilling out! And if you’re looking for a place to pick up fresh, local meat to throw on the grill and fresh seasonal fruits and vegetables to pair it with, look no further than Blystone Farm in Canal Winchester.

Blystone Farm is a historic, four generation family farm that has taken eating local to a whole new level. Herds of commercial sheep have been raised on the farm through the years. Then, eleven years ago, Joe Blystone had a brainstorm. Seeing opportunity in Franklin County and surrounding areas, Blystone led the charge in opening an on-farm meat processing facility.

“The idea to bring back the old time butcher shop really started with the growing ethnic community in Franklin County,” Joe said. With lambs and goats being raised at the farm already and the development of the butcher shop, Blystone Farm found their niche in their ability to “provide a high quality fresh meat product to the immigrant and refugee community, with respect to their religious need.”

Opportunities for expansion accompanied the operation’s success. The family farm took on pigs and cows and began laying plans for expanding the shop. Joe’s wife Jane was welcomed into the family business in 2010, bringing expertise as a baker and experience as a business owner.

The building was expanded and the Blystone Farm Retail Market was developed into what it is today – a one stop shop for fresh, local meats, fresh baked bread and pastries, local seasonal fruits and vegetables, craft beer and more, including locally made condiments such as Blystone Farm branded sauces and seasonings.

Nearly all of the meat available at the shop is processed on-site from all Ohio raised livestock. The only exception is grass-fed, naturally-raised buffalo meat used in their bison burgers, sent straight from The Wild Idea Buffalo Company in South Dakota.

It doesn’t stop at the butcher shop and bakery though. Customers with special occasions can place custom orders including half and whole animals for events like a hog roast. In fact, custom orders are gladly accepted and prepared for customers with specific needs.   And, as an added bonus, the outdoor table seating and in-house deli at the shop offer visitors a chance to sit, relax and have a sandwich at lunch while overlooking the beauty of rural farmland.

Word has begun to spread about quality products and service in the expanded shop and rave reviews are rampant on social media. “We’re starting to see folks stop in from further out than Lancaster, Fairfield County, and Franklin County” which is what the primary customer base was in the past, Joe explained.

So the next time you have a hankering for a bison burger or a fresh baked pie, you’re planning a hog roast, or you feel like impressing your guests with local brewed craft beer and a porterhouse steak, stop by Blystone Farm in Canal Winchester. At Blystone Farm, it’s always the season for quality food and drink!

Want to know more? Visit their website or follow Blystone Farm on Facebook!

What’s Your Next Step?

Next Step 160x600 Audience Network (VCNB)

We have been busy talking about next steps here at VCNB. Everyone has a next step in life. Maybe it’s a huge step like getting married, starting a family or buying a home. Maybe it’s a small step like the bathroom remodel you have been planning for years. Perhaps it is a far off step like retiring or becoming an empty nester. As we look around the VCNB Financial Family we see people taking next steps every day: babies, promotions, military service, weddings, retirements, new homes, smaller homes, new hobbies, children going off to college, and adults going back to school. There have been some unhappy next steps along the way as we have said goodbye to parents, siblings and mentors as well. While we hope all your next steps are happy, the good and the bad are all a part of life. With this in mind, we want to be with you along the way for whatever your next step in life is, no matter where it takes you. Home loans, savings accounts, cutting edge services and good old fashioned customer caring are some of the things we do every day. Plus, for a while we are offering you a chance to earn money for becoming our customer. Now through June 30, you can get $100 for opening a new checking account with a debit card. You can also earn $50 for opening a new savings account. These accounts can be opened online or in any of our seventeen branches. We also want to help some neighbors in need as they take their next steps. That is why we will donate $10 for every qualifying checking or savings account opened during the promotional period. The money will be shared by two charities – Sojourners of Vinton County and Maywood Mission of Lancaster – to purchase shoes for people in need. We will donate up to $1,000 at the end of the promotional period.

Next Step Promo Terms and Conditions_Final

Click Image To Enlarge Terms and Conditions.

Click the terms and conditions at right to view a full screen description of complete details. Visit www.vintoncountybank.com for account information or to get started opening an account. You can also stop by any one of our seventeen branches to speak with an expert and open your new account today. Are you thinking about your next step? Comment below to tell us what it will be! We are excited to hear your stories!

Free CE Class Offered For Realtors

We like to find opportunities in our communities to provide services that folks need but maybe don’t expect from their local bank. That is why we regularly host continuing education classes for realtors.

This month we will work with First American Title to co-host “Ethics: Changing with the Times,” a three hour course for realtors in the Canal Winchester area. Shawn Fosnaugh, a Retail Lender at our Canal Banking Center, calls the partnership a “win-win” for everyone.

“We partner with First American Title and sponsor a Continuing Education class two or three times a year. This is a win-win for both the bank and title company, as well as the realtors,” Fosnaugh said.

Fosnaugh explained that the State of Ohio requires realtors to take continuing education courses which can often be expensive. “With the continuing education classes we sponsor, the realtors attend for free, gain knowledge and education on today’s current real estate market and rules and regulations, and get to network with one another,” he said.

At the same time, bank staff and title company staff have opportunity to build rapport and better relationships with realtors serving the community.

The class will feature a lot of group discussion about a realtor’s duty to the public and industry, to clients and customer and to fellow licensees.

Instructors will be Paul Blevins, Vice President/Area Manager and Counsel – Central and Southern Ohio for First American Title and Larry Press, Vice President of Business Development and Branch Underwriting Counsel for First American Title.

“Ethics: Changing with the Times” will be held Thursday, April 23 from 12:30 to 3:30 p.m. at Kingy’s Pizza (7470 Hill Rd, Canal Winchester, OH 43110). Refreshments will be served. Sign up today by contacting Shawn Fosnaugh at 614.834.5626 or shawn.fosnaugh@vintoncountybank.com

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!