Simplify Money Management With VCNB

Posted on August 4, 2015 by vcnbfamily

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!

VCNB Can Help You Sleep Easier

Posted on June 4, 2015 by vcnbfamily

Does your money ever keep you awake at night? Maybe you can’t remember if you paid a bill on time. Maybe you aren’t sure how much money you have in the bank or are worried you don’t have enough money for an emergency situation. There are lots of money related scenarios that can ruin a perfectly good night’s rest. Luckily VCNB offers a number of services that will help you rest easy, at least where your money is concerned.

24 Hour Access
Thanks to technology like our website and mobile banking app, your accounts are accessible 24 hours a day from anywhere that you can use your computer, tablet or smart phone. Want to know if your payroll was deposited? Need to pay a bill or transfer funds from your checking to your savings? These are things you can easily do using our technology.

Automation
Some of our customers say they are just too busy to keep their bills on track. They can afford to pay their bills, they just forget. Then they incur late fees and risk damage to their credit rating because of it. With Online Bill Pay, you can schedule your bills to pay one at a time, giving you complete control and knowledge of just what’s happening with your money. But if you’re one of those people who struggle in this area, you can also automate those bills to pay on time month after month. Just schedule it and rest assured the payment will occur when you want it to.

Alerts
Maybe you want to know what’s happening with your money but don’t have a smart phone or wish not to log in to your account regularly. You can have account alerts sent via text or email for up to nineteen different reasons. We can notify you when a loan payment is due, when a check clears or when your account dips below a certain balance. We can even notify you every time a debit card linked to your account is swiped at a cash register. You choose the notifications you want to receive and how you want to receive them. We do the rest!

Fraud Prevention
In this age where so many criminals are out to steal your money, it is difficult to know who you can trust. Identity theft is a major threat to consumers and even major retailers with respected names are at risk of a security breech. The fraud detection departments associated with our debit and credit cards are fantastic. They stay on top of national trends and potential threats to you, the individual customer. While we can’t guarantee you won’t be a victim of fraud, our card departments do everything they can to prevent it from happening to you when you use our cards. With our cards, we have 24-hour fraud monitoring so, while you sleep, someone is looking out for you.

Emergency Fund Services
One main cause of money worries is the fear of emergency. Whether it’s something major like job loss or something small like a new set of tires, any unexpected emergency can be a threat to your financial well-being. We can help you consider the options for an emergency fund. Some customers have a savings account where they regularly deposit money for such events. We can help you open a savings account and even help you set up automatic transfers into your savings from another account. Some of our customers opt to rely on a credit card in emergencies. We can help with that too.

Stop by your local branch and talk to one of our experienced accounts representatives about the money worries that keep you awake at night. We would love to help!

Mobile Money Sign-Up Is Easy!

Posted on September 16, 2014 by vcnbfamily

As more and more customers are getting excited about banking on the go, we are getting a lot of questions about signing up for our Mobile Banking.

Our Mobile Banking App allows you to enjoy secure access to your bank accounts anytime and anywhere. That means you can pay bills, transfer funds and check balances from your mobile device quickly and easily. All you need to get started is a phone with text messaging or internet capabilities and online banking.

Here are the steps to getting started!

60 Second App Sign Up

Go to the App Store or Google Play and download Touch Banking.
Enter the app code VCNB1867 and your online banking ID.
Answer your previously set security question.
Enter your online banking password.

Easy Browser Banking or Text Messaging Sign Up

Log in to Online Banking.
Select the Options
Click on Mobile Settings.
Enter phone number and have your mobile device on hand.
Choose either Mobile Browser Banking or Text Messaging.
Select accounts to view by phone.
Read and accept mobile agreement.

Look for a text message to confirm enrollment with a web site address. Save it to your favorites for browser banking.

Sounds easy, right? That’s because it is easy. If you want to learn more about Mobile Money click here to watch a video.

Standard messaging and data rates may apply when downloading or using Mobile Money.

Checking My Way: Flexible and Easy

Posted on March 5, 2014 by vcnbfamily

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.

The 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.

Sign Up For Mobile Money Today

Posted on January 30, 2014 by vcnbfamily

Have you ever needed to make a payment or check an account balance at VCNB and wished you could do it from your smart phone? Now you can! Signing up for our Mobile Money is incredibly easy and can be done in just a few easy steps.

The first step to using Mobile Money is that you need a mobile phone with internet capabilities and you need to be enrolled in our online banking service.

Follow these instructions to get our Mobile Money app:

– Go to the App Store or Google Play and download Touchbanking.

– Enter the app code VCNB1867 and your online banking ID.

– Answer your previously set security question.

– Enter your online banking password.

Follow these instructions to enroll in our Mobile Browser Banking or Text Messaging.

– Log in to Online Banking.

– Select the Options tab.

– Click on Mobile Settings.

– Enter phone number and have your mobile device on hand.

– Choose either Mobile Browser Banking or Text Messaging.

– Select accounts to view by phone.

– Read and accept mobile agreement.

Look for a text message to confirm enrollment with a web site address. Save it to your favorites for browser banking.

With just these few easy steps you will be ready to view balances, transfer funds, pay bills, deposit checks and do more with VCNB on your mobile device!

Watch this video to learn more about Mobile Money or click here to read frequently asked questions. Standard messaging and data rates may apply.

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