On the Go? We Can Help!

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 Couple on computercan 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!

Enter “Thousands of Prizes” contest through VCNB

Fiserv

We are excited to announce that VCNB will participate in the Fiserv “Thousands of Prizes” contest this fall.

From October 1 through November 30, VCNB customers who use Online Bill Pay and Popmoney ® personal payment service on the VCNB website will be entered in a drawing for prizes.

Fiserv will give away thousands of prizes nationwide including iPads ® and gift cards for Amazon.com, Starbucks and Restaurant.com.

There are a host of ways to use Online Bill Pay and Popmoney. If you need to pay the dentist, your electric company or your homeowner’s insurance, Online Bill Pay is a quick and secure way to send payment. This service is free as long as you use it at least one time per month. Otherwise it costs $3 per month.

If you need to pay a friend or relative, Popmoney is the way to go. For just .50 cents per transaction, you can send money to anyone using just their mobile phone number or email address. You can also request funds from someone using Popmoney. So if your roommate owes you rent or friends owe for concert tickets, just send them a request!

Best of all, you will automatically be entered in the drawing with each Bill Pay or Popmoney transaction you make.

So what are you waiting for? Sign in to your VCNB Online Banking or Mobile Banking and look for the Online Bill Pay section to get started today!

Contest runs through November 30. See terms and conditions here.

Quiz Time: Bill Pay Basics

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!

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.