Small Business Spotlight: Lilly’s Kitchen Table

Small businesses are important to communities and running a small business is tough work. That’s why we feature a small business in one of our communities every month!

Lilly’s Kitchen Table has been a staple of the Grove City Town Center district for years, and is now the reigning two-time Grove City Business of the Year as decided by popular vote and awarded by the Grove City Chamber of Commerce. The breakfast and lunch diner is beloved by the Grove City community and has quite a story to tell.

For the past seven years Lilly’s has been under the ownership and guidance of Tracey Cope, a one-time server for the diner who jumped at the opportunity to purchase the business when the opportunity arose. “So many people were so happy to see Tracey move up and rise to become owner” Manager Sarah Cope explained. “We have so many long-time customers. Some drifted away and have come back to be regulars since Tracey took ownership.”

And take ownership she did. Sarah tells a story of a one night “extreme makeover” seven years ago before the first day of business under Tracey’s leadership. “When it looked like (Tracey) was going to have the opportunity to buy the business, she had a vision for it and started collecting and purchasing items and décor for the restaurant” Sarah said.

“The basement of her home housed all of this stuff. All of it. And once she signed the papers, the night before the farmer’s market, which is our busiest time of year, she and Todd (husband) pulled it all out started bringing it over and they went to work!” In one night, Tracey and family cleaned, painted, and decorated the diner to match the home town diner look and feel of Tracey’s vision moving forward. By morning, they were ready to open the doors with a new look inside. People were amazed at what Tracey and her crew had pulled off and admired their drive and dedication. “She truly took ownership from day one and really hit the ground running” said Sarah.

The diner specializes in breakfast and lunch, soups, and daily specials. Breakfast standards fill the menu alongside specialties like Lilly’s Big Breakfast and the Broadway Buster while sandwiches, subs, wraps, salads, handmade specialty burgers and more round out the lunch menu.

Ask a regular what’s best on the menu and their answer usually is ‘everything!’ Special dishes change daily and Ohio-made products like J.C. Steel pickles and condiments are used in house and sold at the front counter. Tracey’s decorative dishes and displays line the interior, and the back wall features a detailed mural hand painted by local artist David Maple.

Grove City locals have proven to be big fans of Lilly’s, as evidenced by the dramatic growth of their business throughout the past seven years and the aforementioned vote of “Business of the Year” for the second time. Nothing says “community” better than friendly faces and simply being there for one another. And there is never a time to need community more than in the face of tragedy.

Unfortunately, tragedy found this beloved community business in February when Chef and Back of House Manager Chris Cope died in an accident on I-71. Chris was the backbone of the business, not just because of the job he did there, but because he was Tracey’s son and Sarah’s husband. Known for his homemade soups and creative take on old standards, Chris was loved by all who met him. He left behind six children, all of whom are regulars around the restaurant and are well known to customers. “This was his place. He loved it here. This was family, home,” Sarah said.

Tracey, Sarah, and crew have faced these unfortunate circumstances with admirable grace and have received tremendous support from the community. A memorial fund was established at our Franklin County Banking Center and the Grove City Chamber of Commerce’s “Business of the Year” award is being renamed in Chris’s honor. “We’re still figuring out how to do this. But this community is the best. How do we even say how much this has all meant to us?” Sarah recalled, graciously.

The Cope family is beyond thankful for the support the community has shown throughout this time of incomprehensible loss, and says they are still putting the pieces together on moving forward. Thanks to the outpouring of support, they also have an excellent staff they can rely upon to keep the business moving. “We have amazing servers and a great team!” Sarah said of the crew of fourteen. “This is our family business and Tracey considers this her legacy. My kids are already asking to help out and they love to come in here. Visitors know them and love to see them – two of them are actually in that painting on the wall. So maybe someday they’ll be here alongside us.”

It’s easy to see why you can expect Lilly’s to be a staple of the Grove City community for years to come.

“One time visitors turn into lifetime customers. It’s not just a place to eat when you come here. People know our names, and not because of our shirts (which include names). They know our stories and we know them. We know their families, their kids, their orders. These are our friends and family, not just customers.”

Lilly’s Kitchen Table, open daily at 7a.m.-2p.m., is located at 4008 Broadway, Grove City and can be found online or on Facebook. Contact them at (614) 801-0771 or stop by for a good meal and friendly conversation!

Those looking to donate to the Christopher Cope Memorial Fund can contact the Franklin County Banking Center via phone at 614.875.8700, in person at 2250 Stringtown Road, Grove City, and contributions are being accepted via mail at Franklin County Banking Center, P.O. Box 201, Grove City, Ohio 43123.

VCNB Gives Back

Sunday was World Kindness Day and, as a community bank, we think that’s kind of a big deal. In fact, the idea of being good to our customers, employees and communities is something we embrace every day.

We try to be a good corporate citizen and to lead by example, supporting as many community functions as we can across all the communities where we do business. Since our footprint has expanded a lot during our 149 year lifetime, the area where we try to do good is also expanding. From as far south as our hometown in Vinton County up through Logan, Lancaster and Chillicothe to Grove City and all points in between, we donate money and time to countless community and school groups.

This year we expect to spend more than $220,000 in our local communities!

We also reward our employees for their volunteer efforts. In an average year, our employees collectively donate several hundred hours each year to organizations close to their hearts. Animal shelters, food pantries, school events and countless community events benefit from the generosity of our wonderful employees who like to help out where they can.

During the holidays we like to spotlight some local groups that need public support and give our customers the opportunity to help out as well. Throughout the month of November we’ll be collecting donations for the following:

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Thanks to Dollar General of McArthur for kicking off their coat drive with a big donation of coats, hats and gloves for kids. Rachel Hoyt, Carol Faber and Heather Ramey are pictured with a few of those items!  

Vinton County National Bank in McArthur – Monetary donations will be collected for the Vinton County Local Schools Backpack Program. New and gently used coats, hats, scarves and gloves will also be accepted for kids in need in Vinton County schools.

 

Vinton County National Bank in Wilkesville – Monetary donations will be collected for the Vinton County Local Schools Backpack Program.

Hocking Hills Banking Center in Logan – Monetary and donations of items will be collected for the Hocking County Humane Society. Click here for more info. 

Salt Creek Banking Center in Laurelville – Monetary donations will be collected for the local Backpack Program.

Ross County Banking Centers in Chillicothe – Monetary donations will be collected for the Good Sam Food Pantry.

Ross County Banking Center in Richmond Dale – Monetary donations will be collected for the Mission Family Ministries and Goshen Run.

Pickaway County Banking Center in Circleville – Monetary donations will be collected for Emergency Clearing House Association of Pickaway County.

Pickaway County Banking Center in Ashville – Monetary donations will be collected for local Backpack Program.

Pickaway County Banking Center in Commercial Point – Bank will purchase canned goods for a local church at Thanksgiving and will also participate in Secret Santa at the church.

Friendly Bremen Banking Centers in Lancaster and Bremen – Monetary and non-perishable food donations will be collected for local food pantries.

Friendly Bremen Banking Center in Pataskala – Monetary donations will be collected for a local food pantry.

Canal Banking Center in Canal Winchester – Bank will accept monetary donations for the Canal Winchester Food Pantry.

Franklin County Banking Center in Grove City – Bank will accept monetary donations and packages of new men’s and women’s socks for Socks For Soldiers.

 

If you’re in the area and would like to help out a local organization, we hope you will stop by a branch and make a donation. The bank will also contribute funds to each of the organizations we are spotlighting this holiday season.  All of these collection efforts are for good causes and we are excited to help them!

 

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: Cultivate

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.

Matt Yerkes has a knack for finding the unique in the often overlooked. Case in point is his latest a venture, a century old vacant building in Grove City’s Town Center District, that he has recently given a new life. Regular readers will remember Matt from last year’s Small Business Spotlight on Venue 62. It was during this project that the wheels began turning for his next idea: a much-needed facility for Grove City business owners and entrepreneurs to grow their business.

The Broadway Street building has been known throughout the years as a car lot, a mechanic shop, and most notably as Grove City Hardware. It was vacant for a decade before Matt purchased it in June 2014 and began pursuing a vision.  After gathering financing through personal funds, financial support from the Grove City Towne Center grant, and the Franklin County Banking Center, Matt set out to oversee all areas of the demolition, rehab, design, and construction of the building with the idea of a small business incubator.  The physical labor would last nearly two years before the doors opened of what is now a non-profit known as Cultivate.

What came out of the work is not a typical office space.  The metal pan formed ceilings feature concrete beams originally built to withstand the large loads of the former car lot’s second floor show room.  Adjustable half-walls were created from lumber removed from other areas of the building, allowing users of the first floor meeting room to create meeting space as large or as small as they need.  A buffet table in this same room is even created from old heaters from the second floor.

The second floor was built to spec on either end for anchor businesses Rampart Hosting, LLC and a Keller Williams Realty franchise. Between these two businesses are thirteen cubicles of varying shapes and sizes that are available for rent.

Matt says the real work began after construction and when it was time to attract tenants and develop partnerships. “We’ve worked quite a bit with Rev1 Ventures and they’ve been a great help in all of this.” Matt says.  Rev1, a Central Ohio venture development organization with expertise in helping entrepreneurs in building companies, has worked very closely with Matt in getting Cultivate up to speed.

While the building boasts historic features, potential tenants should know there is nothing old about the technology or how Cultivate operates. Free WiFi, secure 24/7 key-fob entry for employees and customizable work spaces are featured new age technology.

Matt expressed gratitude to Rampart, a tech company that he said will be a priceless resource to many tenants as they can provide tech support, consulting and other services. He called their presence the “wow factor” that so many entrepreneurs seek today.

An administrative assistant is also available to tenants to work with member businesses, and a concierge is available for all of the seemingly endless errand-running that running a small business requires. Perhaps most enticing is what lies inside the ground-level front entry to the building: Orchardfields and Arbor Café, a start-up café that also serves as Cultivate’s in-house spot for a bite to eat and drink.

As if that’s not enough, plans for several small workshops and seminars are underway to help tenant businesses, effectively turning Cultivate into a full-blown resource center, in addition to a spot to simply get work done.  Matt says he wants Cultivate to be more than a place to sit down and work on the computer.  “I want there to be more.  If you want to get away from the desk, sit down and relax for a moment or even take a meeting with someone over coffee, you can do that here.”

Cultivate is open and a grand opening is planned for this summer. If you or someone you know has interest in being a tenant business, or if you’d like information on pricing or sponsorship opportunities, please contact Matt Yerkes directly at matt@quicksquare.com.  Check out Cultivate on social media, at the official website, or in person at 3989 Broadway Street in Grove City.

Dream Field Gets Big Boost From Franklin County Banking Center

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From left are Grove City Branch Service Manager Shayne Applegarth, Head of Retail – EVP Denise Fauber, Branch Manager Sue Ross, Commercial Lender – VP Jeff Guminey, President Ron Collins, Grove City Little League Board Treasurer Jack Widner, GCLL VP Jimmie Harris, Buddy Ball Board Treasurer Lynn Stitzlein and Buddy Ball Board President Michael DiBlasi.

Since its inception in 1867, The Vinton County National Bank has stood tall as a community-centered organization, serving local communities by providing personalized loan and deposit services to individuals and local businesses. Now with 17 locations in seven Central and Southern Ohio counties, community service and financial donations in the areas where we live and work continue to be an important part of our bank culture.

In 2015, after adding the Franklin County Banking Center in Grove City to our financial family, an opportunity was presented to us to contribute to a project near and dear to the heart of many Grove City residents.  The Grove City Little League’s Project Dream Field, as it was being called, had been underway for a several years and was beginning to enter the home stretch.

The project’s goal?  The development of an accessible field to provide opportunities for children with disabilities to play baseball, regardless of their abilities.  After researching the Little League’s efforts and their proposed plan, VCNB was proud to present the Little League with a $3,000 donation toward the Dream Field earlier this month.  Grove City Little League Executive Board Member Jack Widner recently agreed to talk to us in depth about the project and shared some exciting news about the grand opening.

Tell me about the objective of the Dream Field project. 
In 2012, the Mayor of Grove City came to a group of Grove City citizens and asked them to resurrect the Grove City Little League.  The group of men, some of who played in the previously-disbanded league’s first games in the 1950’s, were happy to get involved in bringing Little League back to Grove City.  After they were able get to the league back up and running in 2013, the GCLL Board of Directors heard about a previous effort to bring a miracle field to Grove City.  That plan never came to fruition, so they decided they would like to try and make it happen.  The Board met with the City of Grove City, who pledged to help fund the project if the GCLL Board could raise $252,000.

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Little League Board Treasurer Jack Widner updates Grove City Branch Manager Sue Ross on the fundraising process.

How many children do you think this will benefit in the Grove City area?  Is your aim beyond this area?
A new baseball group has formed out of the creation of the Dream Field: “Buddy Ball at Grove City Dream Field.”  The Buddy Ball baseball group will be in charge of putting together a league for children to be able to play baseball at the field.  They initially thought they would have six to seven teams of children with different needs.  However, since word has gotten out about the new field, we have received requests from teams as far away as Jackson, Ohio and London, Ohio to host games at the Dream Field.  It’s hard to tell exactly how many children will be served by the field – but we expect to draw children from a big chunk of Central Ohio and Southern Ohio.

I know a similar program in Dublin has been helpful in this project.  Did you model this off of another project specifically or was it a combination of various influences?
It was a combination of things that led us to develop this project.  We did talk to the organizers of the Dublin field, who were very helpful, and found out that they are serving over 47 zip codes and are having difficulty keeping up with the demand for the field.  There are 219 of these fields in the United States, and we thought the success of that particular field showed us there is certainly a demand for this here.

Tell us why you’re so passionate about the project and who is working on it with you.
When the Board of Directors had fulfilled its mission of bringing back Little League to Grove City, we were looking for a way that we could continue to give back to our community.  Once we saw the need, and the response the community had to our efforts, we knew we had to see this through.  Each of the Board members is looking forward to driving by that field and seeing children of all abilities able to enjoy the game of baseball.

It seems the community has really been on board with this – how much of your goal have you been able to raise and how were you able to do so?
Once word got out about the Board’s efforts to bring this project to fruition, the community was very supportive.  We had Girl Scouts, Cheerleaders and various service groups help raise money for the field.  The Grove City Community Club has been extremely generous to the Dream Field. Three gentlemen generously included Dream Field contributions in their obituaries:  Coach Ernie Plank, Dick Robinson, and Jim O’Connor.  One very successful fundraiser was hosted by Planks in Downtown Grove City which brought in around $5,800.  Most of the community’s fundraising efforts came in smaller amounts – but every penny counted in helping us reach and then surpass our goal.  Mount Carmel, the Mirolo Foundation, and the Chamber of Commerce’s Leadership Class were very supportive.  Because of support from the community, we have raised over $550,000, all private funds!

I understand the Grove City Dream Field Specialty License Plate was created via Senate Bill 159, introduced by State Senator John Hughes and Representative Cheryl Grossman.  The next step is its discussion in the Ohio House of Representatives.  If all goes according to plan, proceeds from this specialty plate will help with the Dream Field upkeep.  What can you tell me?
Yes, that bill is still in the process of being approved.  Once it is, the license plate will cost $25.  $15 dollars will go back to support Buddy Ball and help offset their costs.  We need a minimum of 500 license plates sold each year to keep the program available.

So this whole concept really got going in 2013, correct?
Yes.  After the Board got Little League up and running in 2012, they moved on to bringing a Dream Field to Grove City.

…And you were able to break ground in June of 2015.  That’s a pretty quick turnaround from concept to construction.  How far along are you in construction and when is your expected completion date?
The field is complete and will be ready for play on opening day May 7.  Many items are still being added to the facility, however, such as water misters that were donated by Elks Lodge 37 and a scoreboard that was purchased by the Grove City Community Club.  The parking lot is being completed and the accompanying building with restrooms, changing tables, concessions, storage will be wonderful.  A new shelter house is planned to be built this Summer.

I heard there are plans for a universal playground next to the facility; is this accurate?  Was this always a part of the plan?
Because of the additional money that was raised, we were able to incorporate this into the project.  We expect to break ground on the universal playground this spring, with completion in early fall.

I’ve been keeping up with the Grove City Little League’s updates on the Dream Field’s progress.  Tell our readers where they can keep up with the latest information and how to make a donation if they’d like.
The best place is www.gclittleleague.com or on Facebook on our Grove City Little League page (facebook.com/GroveCityLittleLeague).

Do you have any marketing materials or videos you could share with us for our blog?
There is a great video on our Facebook page and the City of Grove City has been tracking progress of the project.  Karen Fahy in the community affairs division has been taking pictures all along the way of the building of the field along with a lot of the fundraisers we have had.

Well Jack, we certainly appreciate you taking the time to discuss the Dream Field and we look forward to the grand opening on May 7!
Thank you so much!

 

 

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.

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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!

Building a Home? Start With Expert Advice!

New ConstructionBuilding a home can be one of the most rewarding things you do in your lifetime but it can also be extremely stressful. That’s why it is important to speak with an expert before you start. VCNB decided to help you in the process by talking to a builder who has decades of experience. We asked him about the things he wishes everyone knew before they begin building their new home.

Bob Brown, owner of Brown Builders Custom Homes, is not only a skilled builder of homes but a builder of dreams. He works with clients all over Ohio, helping them build their dream home. When we sat down with Bob, we wanted to know how someone who has never been through the home building process could get from start to finish with their sanity and their wallet intact.

Bob told us you should involve a builder as soon as you begin looking at land for your new home. He recommends talking with a couple of builders of your choice before deciding who you trust to do the job. “The builder you select must make you feel comfortable, should not pressure you and should never tell you that you cannot do something you want to do. If you hear them say ‘you can’t do that’ during the initial get-to-know-you process, you should be wary. This project is all about you, about what you want, not about the builder,” Bob explained.

The initial meeting should last an hour or two and should be your opportunity to assess the builder. “It’s kind of like a marriage,” Bob said. “You must completely trust this person to have your best interest at heart at all times. This is probably the most money you will spend on anything in your lifetime and you want it to be exactly what you want for you and your family.”

Bob also recommends taking the builder to the lot you are considering for purchase. “It is important for the builder to see the lot, to discuss it with the buyer and to get a feel for exactly what the buyer has in mind. Sometimes, the lot is not conducive for the type of house they want to build and we can tell them that. We can also discuss different options they may have never thought about before,” Bob explained.

The next step in the process is financing. Your builder will want to see pre-approval from your bank so that he or she knows exactly how much you can spend on your new home. From there, you will move into financing the lot and begin talking construction costs. This process could take three to four weeks or, sometimes longer. Patience is virtue during this process. From start to finish, a home can take anywhere from five to nine months – or more to complete. “It depends on each individual house as to the time-frame. Some take less time, some take more. It depends on the client and whether or not they want a custom, semi-custom or production built home. Your builder should review these options with you upfront,” Bob told us.

Once your financing is secure and you break ground on your new home, the planning game turns into a waiting game. “If you are working with a sound builder, they should plan your project up front. They should tightly manage the scope, time-frame and budget. I give my clients weekly progress updates and ample time to make decisions about things. I don’t want there to be any surprises. It should not be a guessing game,” Bob added.

Keep in mind that the process of building a new home and selling your current one can result in life disruptions. That means you may need to find alternative housing if you sell your home before the new one is move-in ready. “The best time to sell your home is between March and August. If you want to be into your new home before the holidays, plan accordingly,” Bob explained.

Bob recommends that you select a reputable builder and lender that you trust. It is also key to always communicate your needs. “Communication is king when building a house. It can make the process much smoother, can erase any fears or doubts and can keep a project on track. It is the most important ingredient in a builder/client relationship,” Bob said.

At VCNB we pride ourselves for working well with our customers and their builders. If you follow Bob’s tips and if you work with VCNB as your lender, there is no need to be apprehensive about building your new home. We are here to help.

The next step in the process is financing. Your builder will want to see pre-approval from your bank so that he or she knows exactly how much you can spend on your new home. From there, you will move into financing the lot and begin talking construction costs. This process could take three to four weeks or, sometimes longer. Patience is virtue during this process. From start to finish, a home can take anywhere from five to nine months – or more to complete. “It depends on each individual house as to the time-frame. Some take less time, some take more. It depends on the client and whether or not they want a custom, semi-custom or production built home. Your builder should review these options with you upfront,” Bob told us.

Once your financing is secure and you break ground on your new home, the planning game turns into a waiting game. “If you are working with a sound builder, they should plan your project up front. They should tightly manage the scope, time-frame and budget. I give my clients weekly progress updates and ample time to make decisions about things. I don’t want there to be any surprises. It should not be a guessing game,” Bob added.

Keep in mind that the process of building a new home and selling your current one can result in life disruptions. That means you may need to find alternative housing if you sell your home before the new one is move-in ready. “The best time to sell your home is between March and August. If you want to be into your new home before the holidays, plan accordingly,” Bob explained.

The building process can be hair-pullingly stressful and can take months to complete. Remember though, it is worth it to have the home you have always wanted, the home of your dreams. Bob recommends that you select a reputable builder and lender that you trust. It is also key to always communicate your needs. “Communication is king when building a house. It can make the process much smoother, can erase any fears or doubts and can keep a project on track. It is the most important ingredient in a builder/client relationship,” Bob said.

At VCNB we pride ourselves for working well with our customers and their builders. If you follow Bob’s tips and if you work with VCNB as your lender, there is no need to be apprehensive about building your new home. We are here to help.

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

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