VCNB Can Make Your Life Easier

Posted on December 17, 2021 by vcnbfamily

Christmas is here and, if you’re like many of us, it just feels like there aren’t enough hours in the day. We can’t help with your child’s homework, your gift giving stress or your crazy work schedule but we can help with your bills and banking needs. In fact, there are a few ways we can make your life easier.

Balance Check –It’s important to always know how much money you have. Did your paycheck get direct deposited on time? Did the phone company cash your check? Check your balance instantly with our Online Banking and Mobile App. It’s safe and quick to sign in with your password or with your fingerprint on a mobile device.

Paying Bills – Use Online Bill Pay to pay your bills, set up payment reminders and even receive your bills electronically. You can log in to pay bills individually or set them up on autopay to insure they are paid on time, every time. Want to learn more? Log in to your Online Banking and click the Bill Pay tab.

Zelle® – Send money to people you trust using Zelle. It’s available in your Online Banking and Mobile App and you can send and receive money to individuals using just their mobile phone number or email address. That means you can pay the babysitter or even send a last minute cash gift to someone. If your coworkers agree to split the cost of a gift for the boss, you can send them all a request for payment. It’s a free, fast and safe way to avoid the ATM.

Gift Cards – If you need a quick gift, VCNB is waiving fees for gift cards now through December 31, 2021. Stock up for the holidays at any of our sixteen local branches!

Credit Cards – Have a VCNB Visa® Favor Platinum card? Pay your bill and check your balance online. It’s quick and easy to log in and maintain your account!

Earn Rewards – If you are spending with your VCNB Visa® Platinum card or with a VCNB Rewards Checking debit card, you can sign up to earn UChoose® Rewards points for your regular purchases. Register your cards with UChoose to earn one point for every $3 spent with your Rewards Checking debit card and one point for every $1 spent with your Visa Platinum credit card. Those points can be redeemed for travel, merchandise, gift cards and more! Rewards Checking customers can even earn cash back. While you’re spending for others, be sure to reward yourself!

ATM Deposits – Sometimes you need to make a deposit but simply can’t make it to the bank during our hours. VCNB ATMs use the latest in technology to deposit checks and cash. Need cash back from that check you deposited? No worries! Just follow the instructions on the screen to receive immediate credit for up to $500 per day. The remainder of the balance will be processed and credit will be given next business day if deposited before 2 p.m. and on the second business day if deposited after 2 p.m.

Go Mobile – Downloading VCNB Mobile is like carrying a bank branch in your pocket. Deposit a check, transfer funds, open accounts and more using our mobile app any time of the day or night.

Life can be hard and, while we love the holidays, they can make life more complicated. Take the complications and the stress out of managing your banking with help from VCNB! Have questions? Our Customer Service Team and the staff at all of our branches are here to help!

Call, Click Or Come In!

Posted on April 19, 2021 by vcnbfamily

How do you define easy? Here at VCNB we work hard to make it easy for you to get your new mortgage loan. We know that not everyone can come to the bank and that you still need to get your mortgage loan application started and the process underway.

That’s why our mortgage lenders are happy to do business however you like to do business. Want to come inside and sit down with a lender? Do you prefer to do things online? Does a phone call simply fit better with your schedule?

Whatever your choice – call, click or come in and our mortgage lenders will be happy to help!

Call 1.800.542.5004, click on VCNBfamily.com or visit your neighborhood Vinton County National Bank to get started. Member FDIC. Equal Housing Lender.

Bank Outside The Branch

Posted on December 3, 2020 by vcnbfamily

VCNB was encouraging customers to bank outside the branch long before the pandemic caused people to seek safer ways to handle errands.

We know your time is valuable and we know you can’t always bank during regular business hours. We also want you to do businesses with us in a way that’s convenient and safe. For many, that means using technology on their phone or computer to bank wherever they may be. For some, that means popping by the drive-thru or an ATM to make a deposit or get cash.

Here’s a refresher course on options we offer for banking outside the branch.

Direct Deposit – Payroll, social security and unemployment checks can all be received by direct deposit. Instead of driving to the bank, direct deposit users simply wait for their money to appear in their account on the day they are owed.

VCNB Mobile – You may not realize it but you have the power of a bank lobby in your pocket. Download VCNB Mobile from the app store on your mobile device and do much of your banking from wherever you are. Just log in to your account to transfer funds, pay bills, check balances, and open new accounts. You can also deposit a check using Mobile Deposit. With Mobile Deposit, use the camera on your mobile device to send a photograph of the front and back of your endorsed check. If the check is endorsed properly and the deposit is made correctly, you will receive immediate credit for up to $1,000 per day.

Website – Much like the mobile app, use the website to open accounts, apply for a loan, check balances, pay bills, view statements, set account alerts and more!

ATM – Most VCNB branch ATMs have been upgraded to accept image deposits. The last upgrade is expected to be completed at our East Main Street Lancaster location by December 12. Receive immediate credit for up to $500 in cash and check deposits per day at the ATM. The remainder of the balance will be processed and credit will be given the next business day if deposited before 2 p.m. and the second business day if deposited after 2 p.m.

MoneyPass® – VCNB customers can access a network of over 32,000 surcharge-free ATMs across the nation. Visit www.MoneyPass.com to find a MoneyPass ATM near you!

Of course, we also have a great Customer Service Team waiting to help you via phone and the staff at your local branch will be happy to see you in-person by appointment, to help you via the drive-thru or to chat on the phone or via email!

What’s your favorite way to bank outside the branch? Leave us a note in the comments!

COVID-19 Update: Working To Serve You

Posted on March 20, 2020 by vcnbfamily

VCNB_V_CMYK Part of being a community bank is being a good neighbor and steward of the communities where we do business. That’s why we have taken steps to protect our employees, customers and neighbors against the spread of COVID-19.

On Thursday, we made the very difficult decision to close lobbies and to direct all customers to our drive-thru. Our customers who require in-lobby assistance can complete their business simply by calling to discuss options or to make an appointment. Call your local branch or our Customer Service Team at 1.800.542.5004.

Much of your business can be completed online or with VCNB Mobile. You can access accounts, transfer funds, open accounts, and apply for a loan online. You can even deposit a check using the mobile app and skip the post office using Online Bill Pay.

Our Customer Service Team is also waiting for your calls at 1.800.542.5004 and prepared to chat online, a service available from the homepage of our website.

We often say that we have seen it all in our 153 year history. However, none of us can recall a time that we’ve limited lobby access to customers at our branches for a pandemic. Despite the uncertainty you may be feeling, we can assure you that your money is safe in the bank and that we’ll be here for you whenever you need us.

Relief Options
We understand that many of our customers will face financial uncertainty due to the events surrounding this pandemic. VCNB will offer some relief options and will be happy to discuss with you all your individual needs and concerns. If you are experiencing hardship caused by COVID-19, please call our Customer Service Team at 1.800.542.5004. They can direct you to the right person to discuss relief options available regarding your particular situation.

Banking Options
Online Banking – Many of our customers already choose to bank online with us every day. With Online Banking, you can open accounts, apply for loans, transfer funds, pay bills, and do much more. If you haven’t used it before, click here to view a tutorial and to register for Online Banking today.

VCNB Mobile – Carry the bank with you in your pocket! Download this mobile app from the app store on your mobile device. Here you can pay bills, transfer funds, check balances, open an account and even deposit a check using your camera’s device.

Mobile Deposit – Customers who use VCNB Mobile can deposit a check from anywhere in the world by using the camera on their mobile device. Want instructions? Click here! It’s a free service!

Telebanc – Our Telebanc telephone service is also available to you 24 hours a day, 7 days a week. Simply call 1-800-317-5990 and you’ll have access to all of your accounts at your fingertips.

By Appointment – We have closed lobby doors to slow spread of the virus. However, you can still access in-lobby services if you require them. Simply call your local branch or our Customer Service Team at 1.800.542.5004 to discuss your options. You will still receive the same great service you have come to expect from your neighborhood VCNB branch. We just have to be smart about how we serve you until this threat has passed.

Scams
Sadly, times of crisis and hardship often bring out the worst in people. Be aware of potential scams. If something sounds too good to be true, it probably is and always question the motives of someone trying to gain access to your home or who is asking for money.

We know these are uncertain times but please understand we are still open and here for you. Our core values guide us as we attempt to always do the right thing, to honor the relationships we have with our customers, and to be forward thinking in how we offer you the best service possible.

We will continue to monitor the advice given by Ohio Governor Mike DeWine, the Ohio Department of Health as well as the CDC. Please continue to look here for the latest news on our bank and how we are working to serve you through the challenges to come.

A Message From Our President On COVID-19

Posted on March 12, 2020 by vcnbfamily

At VCNB, our customers are like family. Like you, we’ve been following the news and focusing on ways to keep our employees and customers healthy and safe. We are encouraging our employees to monitor their own health and to practice good hygiene to prevent the spread of germs. We are also taking steps to clean our common areas and restrooms more frequently to keep the bank as safe as possible for everyone.

Mark sitting on desk Our customers are always welcome in our branches. However, we do want to remind customers that many banking activities can be handled online or with VCNB Mobile. You can access accounts, transfer funds, open accounts and apply for a loan online. You can even deposit a check using the mobile app and skip the post office using Online Bill Pay.

Our Customer Service Team is ready for your calls at 1.800.542.5004 and prepared to chat online from the homepage of our website.

Here at VCNB we are guided by our values to serve our communities, to build relationships with our customers and to be forward thinking in how we provide our customers with the best service possible. We will continue to monitor the advice given by the Ohio Governor and Department of Health as well as the CDC. Visit the CDC website for the latest news and recommendations.

Thank you for being a loyal customer,
Mark Erslan

VCNB President

On the Go? We Can Help!

Posted on December 17, 2014 by vcnbfamily

On the go? We can save you time! With just a few simple steps, Online Banking at VCNB can save you time during this busy holiday season. You ask how? Here are just a few things you can do online that will help!

Schedule Bill Payment
Who has time to write checks, search for a parking space at the post office and then stand in line for stamps? By using Online Bill Pay, you can pay all your bills without checks or stamps. Just enter some basic information about your account with the business you are paying and we take care of the rest. You can schedule payments either for one time or for automatic payment. While you’re at it, get a jump on 2015 by scheduling bills for payment in January. Done and done.

Be a Payback Hero
If you have Online Bill Pay, you also have Popmoney ®. This personal payment service allows you to send and receive money with the same ease as sending an email or text message. All you need is the recipient’s email address or mobile phone number to send them funds from your VCNB Online Account. The cost is .50 per transaction, making Popmoney cheaper than writing and mailing a check to someone. With Popmoney you can payback a friend or relative or even send monetary gifts to loved ones far from home this season.

Transfer Funds
We welcome you to visit the bank as often as you like but we understand that folks are busy. If you just need to transfer funds from one account to another, you can take care of that through Online Banking. It’s as easy as 1-2-3. When you log in to Online Banking, just look for the Transfers tab.

Check Balances
While you’re logged in, check your balances and activity. Contact Customer Service immediately if you believe there are fraudulent charges on your account. And of course, make sure you really have the money you think you should have. After all, being one of Santa’s elves can be expensive and it’s easy to lose track of what you are spending.

If you are not internet savvy or are on the go, remember that our Telebanc telephone service is available 24 hours a day. Call 1-800-317-5990 to check your balances, review account activity, transfer funds and make payments. It’s easy to use and free!

This is a busy time of year. Trim the trouble of banking from your list and just enjoy the season!

Quiz Time: Bill Pay Basics

Posted on September 12, 2014 by vcnbfamily

We recently had a customer tell us that he wouldn’t use Online Bill Pay because he doesn’t want to lose control of his bills. That started us thinking about Bill Pay and the misconceptions circulating about this service. Test your Bill Pay knowledge with this short quiz:

When scheduling an Online Bill Pay payment, payments can be scheduled for:

a.) Just one time.

b.) To be recurring for as long as I like.

c.) Both A and B.

The answer is C! You can schedule a single payment or a year’s worth of payments! Whether you want to schedule a payment every month or whether you want to put these things on auto pilot, Bill Pay can accommodate your needs.

One of your payees isn’t on the VCNB list of payees. What do you do?

a.) Call the bank and complain.

b.) Just write a check like you normally would.

c.) Spend a few seconds entering that payee’s information into your Online Bill Pay Account.

The answer is C! Entering your payee’s information into your Online Bill Pay Account takes just a few minutes and it is saved forever. You only go to the dentist twice a year? That’s ok! Her information will be saved and waiting for you when that next cleaning comes around!

The cost for Online Bill Pay is:

a.) There is no charge if you use it!

b.) Very unreasonable.

c.) Three dollars a month

d.) Both A and C

The answer is D! If you are registered for Bill Pay, this service is free as long as you make at least one payment during the calendar month. If you do not meet this minimum requirement you will be charged a three dollar fee. That’s just one bill paid per month to keep the service free!

Once your bill is paid, records of the bill are:

a.) Accessible online for up to seven years.

b.) Gone with the wind.

c.) Are kept for just a few weeks.

The answer is A! You can search your complete bill pay history for up to seven years! You may search by company, date or status. If you aren’t certain whether you paid your electric bill, the answer is a click away.

Online Bill Pay can be used to pay:

a.) Established businesses

b.) People

c.) Both

The answer is C! Use Online Bill Pay to pay all your regular bills like credit card, utilities and car loan. The Popmoney ® personal payment service feature allows you to pay friends and family using just their mobile phone number or email address. (An additional .50 per transaction fee will be charged for Popmoney.)

Want to learn more about Online Bill Pay at VCNB? Click this link to watch a tutorial. Then log in to your online banking to get started!

Talk To Us Without Talking To Us

Posted on May 13, 2014 by vcnbfamily

Have you ever had a question for the bank but couldn’t pick up the phone to call? Or maybe you just didn’t feel like talking to someone at that time?

Now VCNB offers Online Chat for our customers. This free service is available from the website. With the click of a button, you can talk with a real person about nearly any topic imaginable, and without saying a word.

Here are a few reasons we think you will love Online Chat!

It’s a Real Person – Our representatives live in our communities, will tell you their name and will take a genuine interest in solving your problems or answering your questions.
Immediate Gratification – You can ask a question and receive an answer quickly during regular bank hours.
It’s Easy – It couldn’t be easier to reach out and get an answer. Just click the “Chat Online” button on our homepage to get started. You will be asked to enter a name and type in a verification code before you can start typing a conversation.
It’s a Multitasking Dream – We know your time is valuable. So you can shop online, eat lunch or watch tv while you are chatting with us. We’ll never know that you are eating Fruit Loops in front of the tv!
You Don’t Have To Talk – Take care of your important business and get the answers to your questions without uttering a word out loud. Nosy co-workers won’t know your business anymore!

At VCNB we think it’s important to keep up with the times and to provide our customers with choices. If you wish to speak to a live person on the phone, we welcome you to call. In fact, we look forward to talking with you. But if you can’t or don’t wish to call, we hope you will find Online Chat a good option.

Have you tried it? Leave us a note in the comments section and let us know how it went!

Heartbleed Bug Does Not Impact VCNB Online Banking

Posted on April 18, 2014 by vcnbfamily

In the news as of late, the Heartbleed Bug has caused concern to many of our customers. While it is important to learn about the many facets of this particular vulnerability, we want you to rest assured that The Vinton County National Bank is aware and monitoring the Heartbleed Bug as it pertains to customer information.

Please rest assured that our Online Banking Applications are not vulnerable to the Heartbleed Bug. However, it is recommended that you change your online banking password. Reason being, consumers have a tendency to use the same password among many websites, some of those susceptible to an attack.

To change your password, please log-in to your online banking and click the options tab. As a reminder, please do not ever change your password via a link in an email or give out your online banking credentials over the phone or via text message. It is the policy of VCNB to never solicit your online banking password, social security number or account numbers via telephone, text or email.

As a service to our customers, we strongly recommend you stay abreast of the situation with the Heartbleed Bug. Please change your passwords on those sites they feel have been effected. It is always a good rule of thumb to change your passwords frequently and to avoid using a password more than once.

VCNB Family

Our Family Serving Your Family Since 1867

Tag Archives: Online Banking