Skip to primary content
Skip to secondary content

VCNB Family

Our Family Serving Your Family Since 1867

VCNB Family

Main menu

  • Home
  • About
  • Celebrating 154 Years of VCNB

Tag Archives: Certificate of Deposit

Take The Stress Out Of Banking

Posted on April 21, 2015 by vcnbfamily
Reply

Life is stressful and, if you’re like most people, money is a major contributor to life’s stress. Maybe there’s not enough money. Maybe the simple act of paying bills is stressful and time consuming. Maybe your strained relationship with money is causing a kind of disorganization that only makes your money relationship more stressful.

At VCNB we strive to make your banking experience simple and less stressful. We have been thinking a lot about this lately because April is National Stress Awareness Month.

We believe that being informed about your money is half the battle. That’s why we offer you so much access online and on your mobile device. Whether you are sitting at home or are just on a quick break from work, you can easily manage your money and get your questions answered.

Managing your money doesn't have to be stressful. VCNB offers services that make banking easy!

Managing your money doesn’t have to be stressful. VCNB offers services that make banking easy!

What are some things you can do online and in our app?

Check Balances – You can see at a glance the balances of all your accounts.

Transfer Funds – Maybe your checking account balance is getting a little low. You can easily transfer funds from your savings. Or maybe you want to automatically save $20 a week. You can set up automatic transfers so that you never forget.

Open Accounts – From checking and savings to an IRA or HSA, opening an account online is easy and can be done 24 hours a day. While we love when customers visit, we understand this is simply more convenient for a lot of folks.

Popmoney® Personal Payment Service – If you owe someone money you can send funds from your account to theirs. All you need to know is their mobile phone number or email address. It does cost .50 per transaction but that is cheaper (and easier) than writing and mailing a check or hitting the ATM.

View Rates – You’re thinking about opening a CD but you want to know the rate. You can find all this online now!

Pay Bills – This is the big one for a lot of people. Once you enter the information for your payees, their information is stored. So when you go to Online Bill Pay, all you have to do is enter the amount of the bill and the date you wish the bill to be paid. Better yet, many customers appreciate automatic bill pay which ensures that your bills are paid on the same day every month. Bill Pay is free as long as you use it at least once a month. There is a $3 fee if you do not use it monthly.

Online Chat – If you have questions but can’t visit an office or talk on the phone, online chat is a great option. Just find the chat button on our home page and type a question or comment. Someone will help you right away.

Finally, remember that whether you bank online or in one of our seventeen offices, we have a terrific staff to help you along the way. Whether you call Customer Service, chat with someone from the website or stop by a branch, we want your experience to be pleasant and stress free.

Posted in Money Smart, Products and Services | Tagged Account Alerts, Bill Pay, Certificate of Deposit, Mobile Deposit, Popmoney, VCNB Financial Family, Vinton County National Bank | Leave a reply

Create a savings plan for 2015

Posted on December 29, 2014 by vcnbfamily
Reply

Did you save enough in 2014? Do you have enough money tucked away for retirement? How about for a small emergency? What if the furnace blows next month or your car needs repairs? Do you have enough in savings to get by? If you’re like most Americans, the answer is a resounding no.

Most financial experts recommend that you pay yourself first. That means before you pay rent, buy groceries or go to the movies, you set aside a portion of your income. We recommend that you create a monthly budget to see where your money is going. In doing so, set a savings goal for each paycheck. If you think there isn’t room for savings, take a closer look at frivolous expenses or impulse buys that could be draining your checking account (Click here to read about 35 ways to save some dollars).

Once you know how much you want to save, you just need to decide where to tuck the money away to keep it safe. If you are just starting out, the best approach is to open a savings account. At VCNB we offer a personal savings account that requires an opening balance of $100 for adults with no minimum for minors. Interest is paid on this account if it has a balance of $100 or more.

Once you have a savings account, you can deposit funds at the bank, with direct deposit and with Online Banking. You can even set up automatic transfers to ensure the funds actually make it to savings. Once it’s there, try not to touch the money unless there is a true emergency.

If you have a high deductible insurance plan, another great savings option is the Health Savings Account (HSA). While some banks charge large fees for an HSA, VCNB offers this account for free if you accept a monthly e-statement rather than a paper statement. If you wish to receive a paper statement, the account fee is $3 per month. There is a one-time $25 set up fee for this account that is waved if you have this coupon.  Basically, an HSA is a tax favored way to save money for qualified medical expenses.

If you don’t use the money you deposited into your HSA this year, the funds will roll over to the next year. For many young people with lower medical expenses, this is a great way to begin saving for later in life when medical expenses typically become more burdensome. Once you reach the age of 65, your HSA savings can be used for any type of expense. Check out this link to learn more about an HSA at VCNB.

If you already have a nest egg but would like to earn more interest for your savings, a good investment is an Individual Retirement Account (IRA) or Certificate of Deposit (CD) with VCNB. With a CD, you can select the length of time you would like to invest and then watch your money grow. An IRA allows you to save more for your future because you can contribute to your retirement over time while earning interest. We offer Traditional, ROTH, SEP and Educational IRA’s, allowing you to choose what’s best for your long term goals.

There is no greater security than financial security. For most people that doesn’t come overnight. Instead it comes dollar by dollar. Take a moment now to consider what you want your finances to look like a year from now, five years from now and twenty years from now. Then devise a plan and start saving today!

Your future self will thank you.

 

Posted in Money Smart, Products and Services | Tagged Bremen Banking Center, Canal Banking Center, Certificate of Deposit, Emergency Fund, Franklin County Banking Center, Friendly Bremen Banking Center, Health Savings Account, Hocking Hills Banking Center, Pickaway County Banking Center, Ross County Banking Center, Salt Creek Banking Center, Savings, VCNB, Vinton County National Bank | Leave a reply

Account Alerts Help You Follow Account Activity On the Go

Posted on April 29, 2014 by vcnbfamily
Reply

Would you like to keep up with your account activity without actually logging in to your account? If you sign up for Account Alerts you will be notified about any account activity that you consider important. These alerts can be delivered via email or text message (standard text messaging rates may apply).

There are more than twenty different kinds of alerts available to suit your needs and best of all this service is offered for FREE through Online Banking. Account Alerts are available for Checking Accounts, Savings Accounts, Loans and your Certificate of Deposit.

account alerts chart - blog

 

Signing up for Account Alerts can be done in just a few easy steps!

  1. Log into Online Banking
  2. Go to the Message box
  3. Select New under Account Type
  4. Choose the alerts and delivery method you prefer
  5. Enter email address or mobile number as directed
  6. Select Done, it’s that simple!

What are you waiting for? Take advantage of this free service from VCNB today!

 

 

 

Posted in Products and Services | Tagged Account Alerts, Banking, Bremen Banking Center, Canal Banking Center, Certificate of Deposit, checking accounts, Friendly Bremen Banking Center, Hocking Hills Banking Center, Loans, Mobile Deposit, Ross County Banking Center, Salt Creek Banking Center, Savings Accounts, VCNB, Vinton County National Bank | Leave a reply

Like us on Facebook!

Like us on Facebook!

Search

Recent Posts

  • We Have Moved! May 11, 2022
  • Tricia Kight Joins VCNB Family May 6, 2022
  • VCNB Announces Plans For New Facility In McArthur May 5, 2022
  • VCNB Small Business Spotlight: Red Woof Inn April 27, 2022
  • Lynn Waters To Retire Friday April 25, 2022

Archives

Categories

  • Bank History
  • Community
  • Here For You
  • Meet Your Bankers
  • Money Smart
  • Products and Services
  • Small Business Spotlight
  • Uncategorized
  • VCNB Family
  • Welcome

Meta

  • Register
  • Log in
  • Entries feed
  • Comments feed
  • WordPress.com

Enter your email address to follow this blog and receive notifications of new posts by email.

Notice of Copyright

© Vinton County National Bank and VCNB Family, 2014. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Vinton County National Bank and VCNB Family with appropriate and specific direction to the original content.

Start here

  • About
  • Celebrating 154 Years of VCNB
Blog at WordPress.com.
  • Follow Following
    • VCNB Family
    • Join 252 other followers
    • Already have a WordPress.com account? Log in now.
    • VCNB Family
    • Customize
    • Follow Following
    • Sign up
    • Log in
    • Report this content
    • View site in Reader
    • Manage subscriptions
    • Collapse this bar