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.

VCNB Is Saying Thanks!

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November is the month of Thanksgiving and we want to use this time to thank our customers for another great year. As a community bank we have the opportunity to not just meet our customers, but to get to know them, and we can say with certainty that some truly wonderful people bank with VCNB.

Here’s how we’re saying thanks:

Earn 5,000 Points – Customers both new and existing can earn 5,000 bonus points by opening a Rewards Checking account online now through the end of the year. Rewards Checking has been extremely popular with our customers and employees because it provides the opportunity to earn UChoose® Rewards Points for every day banking habits. That means you can earn points for dollars spent with your debit card, for using Bill Pay and other VCNB products.  Those points can be used for gift cards for your favorite restaurants and retailers, for gifts, travel and even cash back! Click here to learn more about Rewards Checking.

Free Mobile Deposit – Mobile Deposit is now free for VCNB Mobile customers! Use the camera on your smart phone to take pictures of your check inside the VCNB Mobile app. Your check is deposited into the checking or savings account of your choice, saving you a trip to the bank!

No Purchase Fee Gift Cards – We all have folks on our list who are hard to buy for or who simply like to receive gift cards for holidays and birthdays. Through December 31, our VCNB prepaid gift cards are now free of purchase fees. These cards can be used anywhere that Mastercard© is accepted. Secure, even for online purchases, this is a great gift for anyone. Prepaid gift cards are available in any denomination up to $1,000.

Giving Back – We try to be good neighbors by supporting community organizations and events throughout the year. During the holidays we like to partner with our customers to help some special organizations that are close to our hearts. Every VCNB office is accepting monetary contributions to assist a local organization including food banks, Project Backpack and even a local humane society. Stop by your local office to find out what we’re doing in your neighborhood.

Contests – Throughout November and December we are giving away a $100 gift card every week to one lucky winner on Facebook. Visit our page to learn more about our weekly contests! 

We love our customers and hope you will love the things we are doing to say thanks!  Learn more by clicking here!

 

 

 

Rake In The Points At VCNB!

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With the arrival of September, we’ve noticed that some leaves are starting to turn colors and fall. While raking leaves in your back yard isn’t so fun, we think you’ll like our offer to “Rake in the Points” this fall.

Rake in the Points is our latest offer for new Rewards Checking customers to receive 5,000 extra points when they sign up online.*

We bet you’re wondering what these points are all about. Customers who use VCNB Rewards Checking earn UChoose Rewards® points for their regular banking habits. Customers can earn points for using Online Bill Pay, Direct Deposit, and for making automatic loan payments. They also earn one point for every three dollars spent using their debit card. Additional point earning opportunities are available to customers. Read more here.

These points can be redeemed for gift cards, cash back, concert tickets, travel, merchandise and more! Rewards Checking offers so much added value that we’re seeing more and more customers embrace  the Rewards Checking lifestyle every day!  Click here to read an example of how an average customer might earn points.

Opening an account online is easy and can be done in five easy steps. What are you waiting for? Put down that rake and pull up a chair. You can rake in the points at VCNB with just the click of your mouse!

*Limit two per household. Personal accounts only. Account must be opened online and have a $100 minimum deposit, an activated debit card and a debit card registered with UChooserewards.com within 60 days of opening account to receive the bonus. Points will be awarded within 30 days of meeting criteria.

 

Peace, Love and Points Offer Ends Soon

Peace, Love & Points - FBBC (Nauman Digital)

Peace, Love and Points has been our theme here at VCNB all summer long and we’ve had a fun time embracing our inner hippie. Sadly, all good things must come to an end and this campaign is no different. Have you taken advantage of this opportunity to earn up to 20,000 Bonus Points with a Rewards Checking and a Platinum Credit Card at VCNB?

It is good through August 31, both in office and on our website.

Customers who qualify for a Visa© Platinum Credit Card may receive a bonus of 10,000 UChoose Rewards® Points. With our Platinum Credit Card, customers can receive bonus points for using it to make regular purchases. Those points can be redeemed for gift cards, travel, experiences and merchandise.

Customers who open a new Rewards Checking account or switch an existing VCNB account to Rewards Checking will be eligible to receive a bonus of 5,000 points. Those who opt for self-service and open a Rewards Checking account online will be eligible to receive a bonus of 10,000 points.

To receive a Rewards Checking bonus, the customer must activate a debit card and register it through UChooseRewards.com within sixty days of account opening to receive the bonus. New accounts must be funded with a minimum $100 deposit within 30 days of account opening. Click here to read the full terms and conditions for this promotion.

Click here to open your Rewards Checking account online  or stop by any of our seventeen offices to apply for a Platinum Card or to open a Rewards Checking with one of our friendly staff.

What are you waiting for?  The summer of Peace, Love and Points will end soon but your point earning opportunities with Rewards Checking and a Platinum Visa will continue every time you use them!

Have You Tried Rewards Checking?

We have been amazed at the customer response to our new VCNB Rewards Checking account. When we introduced this account to customers last year, we knew we had something special but we weren’t expecting such an incredible response. Months later, we continue to hear from customers about how much they love this account and we are simply delighted. After all, community banks are about providing personal service to customers and providing them with the banking tools they need and want.

If you haven’t tried Rewards Checking, it’s exactly what it sounds like: a checking account that rewards you for your regular banking habits. You receive points for spending money with your debit card, for using direct deposit and Online Bill Pay, among other things. We even give you points to get you started when you open the account.

Those points can be used to receive cash back and gift cards for major retailers and restaurants. You can also use those points for travel expenses, merchandise and experiences like concert tickets.

We are thrilled to offer this account and to reward our customers for their loyalty.

If you have signed up for Rewards Checking, we have a reminder for you: Be sure to register your debit card with the UChoose Rewards® website so that you can begin earning and spending all those points! Registering is very simple and can be done by clicking here.

Once you’re registered, take a look for special offers under the “Earn Points” tab. Here you will find point earning opportunities that are only good online as well as some special opportunities that must be activated to learn. You can also browse all the great things you can redeem your points for under the “Redeem Points” tab.

Learn more about Rewards Checking by visiting our website.

We sometimes offer bonus rewards points so pay attention for those offers as well!

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.

 

 

 

Summer of Peace, Love and Points

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Peace, Love and Points will be the theme at VCNB this summer! From now through August 31, you can earn up to 20,000 Bonus Points with a Rewards Checking and a Platinum Credit Card at VCNB. Many of our offices are having fun with this sixties theme, playing music and breaking out their tie dye!

Here’s what Peace, Love and Points means for you:

Customers who qualify for a Visa© Platinum Credit Card may receive a bonus of 10,000 UChoose Rewards® Points. With our Platinum Credit Card, customers can receive bonus points for using it to make regular purchases. Those points can be redeemed for gift cards, travel, experiences and merchandise.

Customers who open a new Rewards Checking account or switch an existing VCNB account to Rewards Checking will be eligible to receive a bonus of 5,000 points. Customers who opt for self-service and open a Rewards Checking account online will be eligible to receive a bonus of 10,000 points.

To receive a Rewards Checking bonus, the customer must activate a debit card and register it through UChooseRewards.com within sixty days of account opening to receive the bonus. New accounts must be funded with a minimum $100 deposit within 30 days of account opening.  Click here to read the full terms and conditions for this promotion.

Click here to open your Rewards Checking account online  or stop by any of our seventeen offices to apply for a Platinum Card or to open a Rewards Checking with one of our friendly, experienced staff.

Open A New Account In Five Easy Steps!

VCNB has made some big changes to how customers open accounts on our website. We are pleased to say that the online account opening process has been streamlined to just five easy steps!

It’s easier and quicker so you can open that new account and be on your way without a hassle.

We also have introduced a new promotion for Rewards Checking for folks who open online or in any of our seventeen branch locations.  Customers who qualify for a Platinum Visa® card in any of our locations will receive a bonus through this promotion as well.

If you aren’t familiar with Rewards Checking, this account rewards customers for using bank products including their debit card for purchases. Points can be redeemed for cash back, gift cards, travel, experience tickets, merchandise and more! To read all about Rewards Checking including the ways you can earn points, account terms and more, click here to visit our website.

Combining Rewards Checking with a VCNB Platinum Visa provides more ways to earn even more points!

Want to learn more about our current offer? Click here.

Visit us online to get started with opening your new Rewards Checking or other VCNB account in just five easy steps!!!

Get 2,016 Bonus Points With Rewards Checking!

2016 PointsWe wanted to ring in the New Year right with a new promotion for our Rewards Checking account. Now through February 29, folks who open a new Rewards Checking account online will receive 2016 UChoose® Rewards.

Rewards Checking rewards customers for using bank products including their debit card for purchases. Points can be redeemed for cash back, gift cards, travel, experience tickets, merchandise and more! To read all about Rewards Checking including the ways you can earn points, account terms and more, click here to visit our website.

To qualify for the 2016 bonus, a $100.00 minimum deposit must be made into the eligible checking account, and a debit card must be activated and registered through UChooseRewards.com within 60 days of opening account to receive the bonus. Points will be awarded within 30 days of meeting criteria. Limit two bonuses per household.

Click here to read full offer details.

Visit us online to get started with opening your new Rewards Checking or other VCNB account!!!

 

Think Outside The (Gift) Box

Some of the best gifts don't fit in a bag or a box. Consider giving loved ones experiences, home repairs or other things they will appreciate but that you can't find at the mall!

Some of the best gifts don’t fit in a bag or a box. Consider giving loved ones experiences, home repairs or other things they will appreciate but that don’t come from the mall!

We’ve been talking a lot about Christmas lately. Holiday shopping with your VCNB Rewards Checking and Platinum Visa® card and how to save with a Christmas Club  have been at the top of our minds. But the truth is, a lot of us here at VCNB have been discussing gift giving as well. More to the point, we are all worried and asking the same question. What on Earth are we going to buy our loved ones?

It’s a wonderful problem to have but it seems like everyone we know already owns too much stuff. So many parents complain because their kids have too many toys and nowhere to put more. Adults often don’t need or want very much either.

While we want to give our loved ones a special holiday, we often waste money on the wrong things.

Make no mistake: we don’t advocate skipping Christmas or gift giving. However, if you’re in the position that we just described, buying stuff for the sake of buying stuff, this may be a good time to reconsider your habits and think outside the (gift) box.

In the interest of keeping gifts useful and cutting down on clutter, consider giving experiences rather than things. A zoo or YMCA membership, sports or concert tickets, movie passes, a manicure or a spa day will make the recipient think fondly of you while they’re having fun.

Experience gifts are especially great for families. Rather than buy individual gifts for every person, consider sending the entire family out for an experience together. Other great family gifts might include board games, movies or a gift card for their favorite restaurant.

For young adults who are on their own for the first time, there’s an endless list of things they need or want for their apartment or new house. Consider buying them cookware, bedding, furniture or decorative items to help make their new living space feel more like home.

That elderly person who already has everything is often difficult to shop for. Instead of buying them a thing, give the gift of your time. Take them some home baked cookies with a gift card or voucher for you to take them out to lunch or have them over for a home cooked meal.

There is also a place for practical gifts that save the recipient time or money. Hire someone to deep clean their home, clear their gutters or replace their leaky kitchen faucet. Everyone appreciates a little help around the house!

Gift baskets can also be a practical gift that is presented in such a nice way that it doesn’t seem so practical. A gift basket of their favorite foods would be thoughtful and practical. Note cards, stationery and stamps would be helpful to a shut-in while a colander filled with ingredients for a nice pasta dinner may be welcomed by a busy family.

If all else fails, consider a gift in their name to their favorite charity. There are tons of good causes that would value your donation, no matter how big or small.

One other thing: we recently saw something on social media that sounded really interesting. For those who want to really trim down Christmas for their kids, buy your child something they need, something to wear, something to play with and something to read. It’s a way to still have fun and open some gifts without spending a lot or accumulating too much.

Tell us in the comments below: What are your favorite go to gifts for the most challenging people on your gift list?