VCNB Tips and Tricks To Keep Your Vacation Running Smoothly

School is letting out across our region and summer vacations are underway. You’ve packed the sunscreen, boarded the dogs and loaded the car but you might not have considered things you should do for your vacation finances. Whether you’re flying to Florida or headed to the mountains, there are some basic things you can do to keep your finances running smoothly and to insure you aren’t stranded somewhere with no access to your money.

Here’s a checklist of some things you can do:

  • Update Your Phone Number With VCNB – In recent years we have seen a spike in fraudulent activity. That’s why we have a talented team to detect and prevent this kind of crime. If we notice activity that’s outside of your normal spending pattern, our fraud department may turn off your card and call you to verify the attempted purchases. If you’re at a gas pump far from home and the only number we have on file is your home number, you won’t understand why your card isn’t working and we will have no way to contact you. PLEASE, take a moment to contact your local branch or our Customer Service Department and give us your mobile phone number.
  • Give Us a Heads Up – If you know you’re traveling, let Customer Service know where you’re headed. It takes just a minute and we appreciate hearing from you.
  • Plan A Second Form Of Payment – Always carry a second form of payment. We actually advise this even when you’re just tooling around town close to home but it’s especially important when you’re far from home. If you plan to use your debit card for primary spending, take a credit card, some cash and/or a prepaid card. VCNB offers credit and debit cards as well as prepaid and gift cards that can be used anywhere Mastercard© is accepted.
  • Download CardValet® – Knowledge is power, especially where your money is concerned. If you haven’t tried it, Card Valet is a fantastic way to keep up with activity on your VCNB cards and even to control how, when and where your cards can be used. With the Card Valet app, you can turn your cards on when you need them and turn them off when you don’t. You can also receive alerts whenever your card is used and place limits so that it can only be used at merchants you choose. You can even place spending limits on your card. This is free and easy to use! Look for CardValet in the app store on your mobile device.
  • Use Account Alerts– Another way to keep up with your money is to sign in to your online banking account and register for account alerts. You can receive a text or email whenever there is activity on your account, when your balance dips below an amount you decide and for a host of other reasons. Knowing how much money is in your account will help keep your spending under control and seeing activity on your account will help you spot unauthorized purchases. This is a free perk of online banking with VCNB.
  • Don’t Forget To Pay Your Bills – Being away on vacation doesn’t give you respite from paying bills. If you have bills due while you’re away, use Online Bill Pay to schedule payments while you’re gone. This is a free service of VCNB online banking, as long as you use it at least one time each month.

Vacation is supposed to be fun! Don’t let money, bills or card problems ruin your relaxing time away. Remember, VCNB Mobile and our are here whenever you need them! You can also call our Customer Service Department at 1.800.542.5004 during business hours.

Take Control Of Your Debit Card!

VCNB just introduced a new feature that we think our debit card customers will really like. It’s called CardValet and it’s a free app to help customers take more control over their VCNB debit cards.

Some of our employees have been testing CardValet and one thing we hear repeatedly from them is they like being able to restrict where their card can be used. They also enjoy being able to completely turn off their card when they don’t need it. You read that right: you can turn your card on and off with the flip of a switch in the app!

Here are some popular features of the app:

  • Turn off international card usage
  • Set the geographic locations where the card can be used.
  • Restrict transactions based on merchant type
  • Set transaction amount limits
  • Receive alerts for certain transaction types
  • View card balances and recent transactions

Perhaps you want to limit the types of merchants where your card can be used. You can turn on and off several categories including gas station, grocery, restaurant, entertainment, travel and more. You can also set spending limits to deny a purchase over an amount of your choosing. If you are in the store and find you need to spend more than your CardValet limits are set for, you can simply log in to the app and set new limits.

Turning the card on and off is so fast and easy that you can keep your card off all the time and simply turn it on when you’re in line at the store and ready to use your card. Customers can also set a variety of alerts to let them know when their card has been used.

With the prevalence of fraud in the world today, we think many of our customers will be pleased to know that this control feature is available to them.

Ready to get started? Download the CardValet app from the Apple® app store or Google Play™ Once you have the app installed on your phone, it’s easy to register and get started. As always, we encourage customers to set strong passwords and to not share that information with others.  Multiple VCNB debit cards can be linked and customers will soon be able to use VCNB credit cards with the app as well.

Our employees are loving CardValet and we think you will too. Give it a try today!