VCNB Can Make Your Holidays Brighter

Holiday art for blog

The holidays are supposed to be joyous but worries over money, fraud and time constraints can turn the happiest time of the year into an ordeal. Today we want to talk about some tools we offer to make your season brighter.

First of all, we think it’s important for you to know what’s happening with your money at all times. That’s why we give you a multitude of account alerts to help you know where your money is going, how much you have and even when payments are due. With Account Alerts, you can receive a text every time your debit card is used, when your balance falls below an amount of your choosing or when your loan payment is due. This is an easy way to stop fraud in its tracks because you’ll know when purchases are happening and be able to quickly spot any that aren’t yours.

Account alerts can be set up through your online banking account and are a free service. Click here to see the full list of account alerts. 

Along the lines of awareness and security, VCNB Mobile is another easy way to manage your money and your cards. With VCNB Mobile, you can monitor your transactions, transfer funds and pay bills on the go. You can also manage your VCNB debit cards with geographic and monetary spending limitations. Best of all, you can even turn your cards off and on, ensuring that they can only be used when you say it’s ok. Read more about this exciting feature of VCNB Mobile here.

With VCNB Mobile, you can also use the camera on your mobile device to deposit a check with Mobile Deposit. It might save you a trip to the bank which gives you more time for what’s important to you. And who couldn’t use more free time this holiday season?  Learn more about this free service here.

Speaking of being busy, there’s no busier time of year than the weeks between Thanksgiving and New Year’s. With all the shopping, baking, gift wrapping and cleaning, there is hardly time left for the family functions, work parties and tons of special events. Many of these activities call for a good bit of spending. Be it for groceries and gifts, travel expenses or dinners out, there is seemingly unlimited opportunity to spend money.

As long as you’re spending, we think you should be rewarded. That’s why we offer VCNB Rewards Checking customers and Visa Platinum credit card customers the opportunity to earn UChoose Rewards® Points for their daily purchases and bank behaviors. For example, Visa Platinum customers receive one point for every dollar spent using this card. These points can be redeemed for gift cards, event tickets, travel expenses and thousands of products.

Rewards Checking customers receive one point for every $3 spent using their debit card and bonus points for using bank products like direct deposit, Mobile Deposit and Popmoney® personal payment service. These points can be redeemed for cash back or for any of the great rewards offered to our credit card customers. If you already have Rewards Checking or a Visa Platinum card, remember that you must register your card at UChooseRewards.com to begin earning rewards points.

One last thing – if you need to send someone cash, Popmoney is the way to go. Learn more here.

We wish all our customers a joyous holiday season and hope these products will simplify and brighten your holidays.

Have you tried VCNB Mobile?

Have you tried VCNB Mobile? We’ve had a mobile app for some time now but introduced a new and improved app earlier this year. We couldn’t be happier with how easy the app is to use or how customers are reacting to it.

With VCNB Mobile, you will find streamline access to your account information, literally at the tip of your fingers. Once you login, you can view account balances, transfer funds, send funds with Popmoney® Personal Payment Service and pay bills with Online Bill Pay. You can also deposit checks using mobile deposit.

No matter where you go in the world, if you have a mobile device with data or internet service, you can bank with VCNB. Popmoney to your buddy from the movie theater line, transfer funds from the breakfast table and deposit a check on a rainy Monday when you just don’t feel like going to the bank.

It’s easy, quick and convenient.

Ready to get started?

To install VCNB Mobile, visit your phone or tablet’s app store and download VCNB Mobile. When prompted, enter your online banking username and then answer the online banking security questions you set when you registered for online banking. Then enter your Online Banking password! It’s easy and quick to get started and simple to use!

Want to learn about more VCNB products and the things we can do for you? Click here to get started!

Simplify Money Management With VCNB

This week is National Simplify Your Life Week. That sounds nice but sometimes simplification is the hardest thing you can do. Between work and family, it often feels like a struggle to just keep everyone fed and on time for school.

Since much of your life hinges on money – paying bills on time, buying groceries, saving money and the piece of mind that comes with knowing these things are done – we want to give you a quick overview of how you can simplify your money.

If you’re a VCNB customer, you have access to several of things that will make your life easier thanks to Online Banking and VCNB Mobile. Accessing accounts electronically really is a lifesaver for a lot of our customers. Need to save money? You can automate it and forget it. Have trouble paying bills on time? You can automate those too! Do you sometimes overdraw your checking account? Get a balance alert via text or email when you go below a certain balance!

Here are some features that will simplify your life:

Save Money
Experts say you should save ten to fifteen percent of your income toward retirement. They also recommend having an emergency fund to help with life’s little surprises. But are you actually saving? Schedule on-demand transfers from your checking to your savings. Better yet, set up automatic transfers to ensure it is done regularly. Automatic transfers can be scheduled for any amount on any day of the month. Just set it up once and watch your balance grow!

Think you won’t be able to leave your savings alone? A lot of our customers use Christmas Club accounts as a means to save. Regular transfers are made from your checking or savings account into a Christmas Club account. Since there is a $20 fee to access those funds before the Christmas Club cycle finishes, most customers successfully reach their savings goal.

Track Money
Do you sometimes overdraw your account? Wonder if your direct deposit hit your account? Forget to make a loan payment? Set up account alerts for these things and more. There are nineteen different account alerts that can be sent via text or email. If you need a gentle reminder that your car payment is due or if you want to know that a check cleared, we will let you know!

Do you have a lot of plastic in your wallet? Between credit cards and store rewards cards, most Americans are carrying a lot of plastic. You can personalize your VCNB debit card to make it easy to find. Upload your own picture or use one of ours for a $5 annual fee! Locating your debit card has never been simpler!

Pay Bills and Spend
It’s a fact of life. Busy people often pay bills late. Whether it’s a lack of time or stamps, or simple forgetfulness, it’s easy to incur a late fee. Streamline your bills with Online Bill Pay. You can put your payments on autopilot and schedule them to pay the same day every month or you can manually schedule payments as needed. Either way, the service is free as long as you use it at least once a month. Otherwise, there is a $3 monthly fee.

If you use Online Bill Pay, you also have access to Popmoney ® personal payment service. Popmoney allows you to send money to anyone with just their email or mobile phone number. Best of all, other people can send you money too! So the next time you split the cost of a gift for your boss you can just send your share via Popmoney. If you buy concert tickets for the gang, they all can send your share to you! The cost is .50 per transaction for the person who sends the funds.

Save Time
Online and on your mobile device, you can save yourself time by checking balances, paying bills and keeping things straight. But did you know you can also save yourself a trip to the bank? Use our mobile app to deposit a check for just .50! You can do this by logging into your mobile account and taking a picture of the front and back of the check. CLICK HERE for complete instructions and details. (W/LINK TO WEBSITE)

Still write checks? You can reorder those online as well!

Keep Us Close
Keep us close – on your computer, on your mobile device, in branch or over the phone. You can also chat with our Customer Service Department during business hours. Just visit our website and click the Green Chat Now button to start a conversation!

Phew! That’s a long list! How do you use VCNB to simplify your life? Tell us in the comments section!

College Bound? Financial Products You Need

Are you headed off to college this fall? If you’re like most college freshmen, you are probably worried about finding your way around campus and meeting your new roommate. But have you thought about how to access and manage money while you’re away?

Starting college makes you a bona fide grown up. That means you will need a checking account. After all, you will have some source of income – whether it comes from your folks, overage checks or a part time job – and will need a place to keep your money safe. The piggy bank your grandma gave you when you were four just won’t cut it anymore.

Here are some VCNB products that we think will help.

A shot of an asian student working on his laptop at the campusChecking My Way – This checking account is a great option for a young person just starting out. This account has no minimum balance requirements and there are no fees if you take electronic statements. It comes with a free debit card or the opportunity to upgrade to a vanity debit card for $5. With free access to Online Banking and Mobile Banking, you can access accounts, pay bills and transfer funds with your computer or mobile device.

Mobile Deposit – Use your mobile device to deposit paper checks to your account for just a .50 cent per transaction fee (and standard data rates). You simply use our mobile banking app and the camera on your device to take a picture of both the front and back of the check. It will deposit into your account, from anywhere in the world.

Online Bill Pay and Popmoney Use Online Bill Pay through VCNB Online and Mobile Banking to pay bills. No need to mail a check for your car insurance. Just sign into Online Bill Pay at VCNB to schedule one time or recurring payments. Another perk of Bill Pay is access to Popmoney ® personal payment service. Popmoney ® allows you to send and receive money to and from an individual. So if you owe a friend for pizza or if mom and dad wish to give you money, it can be done through Popmoney®. At .50 cents per transaction, it is quicker and cheaper than mailing a check.

General Purpose Reloadable MasterCard © – If you don’t trust yourself with a lot of money at once, a VCNB General Purpose Reloadable Mastercard © is a great way to pay. With this card, you load it with a specific amount. Once the money is spent, it is gone and there is no risk of overdraft.

If you are leaving the area for college and are concerned about ATM or branch availability, remember this: PIN and signature based purchases with your debit card are free. Any time you make a store purchase, you have the option of getting cash back. With just a small store purchase, you can get cash back for no fee. Also remember that mobile banking allows you to deposit checks from anywhere in the world and online/mobile banking make it possible to transfer funds, check balances and even pay bills with a few mouse clicks.

And at the risk of sounding like your parents, remember to be careful when it comes to credit cards. One of the first people you will likely speak to on campus will be someone offering you a credit card. We offer credit cards at VCNB but we encourage you to use this line of credit wisely. Use credit cards for emergencies rather than for daily purchases and be sure to not charge more than you can pay off in a month.

So before you head off to college, swing into your local VCNB office or check us out at www.vintoncountybank.com. Our New Accounts Officers would love to give you all the details on these products and on others that we think you can use.

 

Rev Up Your Road Trip With A New Account At VCNB

300x300 Telegram online VCNBAre you thinking about opening a new checking account? Now may be the time. We are currently offering a $150 bonus for anyone who opens a Checking My Way account online.

Why open a Checking My Way Account? Besides the fact we are offering you a bonus to open, this account is flexible and offers you choices to help make it your own.

With Checking My Way, there is no minimum balance required and there are no fees for electronic statements. If you would like to have a paper statement mailed to you each month, the cost is $3 per month without check images and $5 per month with check images.

All VCNB accounts provide customers with free Online Banking, Bill Pay and Mobile Banking, allowing access while at home or on the go. Mobile Deposit will give you the option of depositing a check by taking a picture of it with your mobile phone.

We think this account has many great options and may be a good fit for you. Right now we are offering an online special for Checking My Way. Through our Rev Up Your Summer Road Trip special, if you open a Checking My Way Account online you will receive $100. Sign up for direct deposit and receive an additional $50.

Some limitations apply and a one hundred dollar deposit is required at account opening. To learn more, see the rules pictured below or click on this link to get started.

Terms and Conditions for Rev Up Your Road Trip UPDATED May 13

 

Checking My Way: Flexible and Easy

Have you heard about our Checking May Way account? We really like the flexibility and options this account provides!

With Checking My Way, there is no minimum balance required and there are no fees for electronic statements. If you would like to have a paper statement mailed to you each month, the cost is $3 per month without check images and $5 per month with check images.

Checking My WayThe account comes with a standard debit card but for a $5 fee that can be upgraded to a vanity debit card.

Free Online Banking, Bill Pay and Mobile Banking will help you to stay connect on the go and from anywhere you have internet access. Plus, Account Alerts can help you stay in the know about what’s happening with your account with various kinds of transactions.

Another great feature is Mobile Deposit which is available with our Touch Banking app. This allows Checking My Way customers to deposit a check by taking a picture of it with their mobile phone.

This is a terrific account for people of all ages and for anyone looking for an account that allows them choice in features. Are you ready to sign up? Click here to open your account online today! We also welcome you into our 13 branches to sit down with a New Accounts Representative and receive the personal service you deserve.

Products We Love: Mobile Deposit

February is traditionally a month for celebrating love. Here at the bank, we are loving one of our newest products ‑ Mobile Deposit.

Son And Father Using Mobile Phone To Deposit Check

Mobile Deposit uses your smart phone’s camera to take pictures of your check and submit the images electronically to make a deposit into your checking or savings account. If you have a smart phone with an Android or iPhone operating system and  a camera, all you need is our TouchBanking app!

That means you can deposit your checks from anywhere that you have cell service.

We know that life is busy and sometimes it can be hard to find time for a trip to the bank. So while we love having customers fill our lobbies, we also love providing you with a service that simplifies your life.

Signing up for TouchBanking is free and is super quick and easy. Click HERE to read step‑by‑step instructions.

Once you are signed in to TouchBanking, here’s what you do to deposit a check:

‑ Click Deposits on your screen.

‑ Click New Deposit.

‑ Select the deposit account.

‑ Enter the amount of the check.

‑ Endorse the check “For Mobile Deposit only” and your signature.

‑ Capture a picture of the front and back of the endorsed check.

‑ Confirm all details and click Yes to deposit.

Please note, there is a .50 cent fee for each deposit and transactions are limited to $2,500 per business day. Also, normal data rates may apply.

We hope you will give Mobile Deposit a try the next chance you get. Want more information? Visit our website!

 

 

Simplify Your Money on the Go

What if we told you there was a way to automate your finances, deposit a check and pay bills without picking up a pen or buying a stamp? What if we told you these services are available to all of our online and mobile banking customers?

These services are available any time of the day or night when you have internet or mobile phone access. From home, from the office or from your poolside vacation, if you have internet or phone service, you have the ability to manage your money at VCNB!

Mobile Deposit and Mobile Money – You can deposit a check, schedule bill pay, chSon And Father Using Mobile Phone To Deposit Checkeck account balances and more using your smart phone at VCNB! Just download our Touch Banking mobile app and login to your account to get started. One of our newest services, Mobile Deposit, allows you to deposit a check with your smart phone. It’s as easy as taking a picture! There is a .50 cent per transaction fee. Also, you must endorse the check with your name and the phrase “For Mobile Deposit Only.”

Learn more about mobile deposit and mobile banking here!

Bill Pay – Have a fistful of bills and no stamps? No worries. Bill Pay allows you to schedule a single payment or ongoing payments for bills like utilities, the dentist and credit card. There is a $3 a month dormancy fee if you don’t use the service every 30 days but we believe you will fall in love with the convenience and cost savings and use it for all your bills. Think of the money you will save on stamps, checks and envelopes over a year!

Popmoney – Do you owe money to a friend or relative? You can use Popmoney ® personal payment service from VCNB Bill Pay to send them funds using just their email address or mobile phone number. There is a .50 cent fee for each transaction. Watch this video to learn more about Popmoney and Bill Pay!

Scheduled Transfers – Your New Year’s Resolution for 2014 is to build your emergency savings but you’re not doing so great remembering to save the funds? Automate the process by setting up scheduled transfers from your checking to your savings! You can also schedule a single transfer at your convenience.

Account Alerts – Want to know when a check clears or when there’s a debit card transaction involving your card? Do you need a reminder when your mortgage is due or when funds are getting low in your account? Set up account alerts for free! You can receive requested alerts by text or by email.

We love to see our customers in our bank lobbies but understand that life is busy and you don’t always have time to come to the bank. Banking on the go will help you stay on top of your money anywhere, anytime! Visit us at http://vintoncountybank.com/ to open an account, chat with customer service and learn more about all of these services today!

VCNB is Member FDIC. Equal Housing Lender. Standard data and messaging rates may apply to mobile services.