What We’re Grateful For: VCNB Employees Give Thanks

Thanksgiving Greeting Card

Every day is a good opportunity to give thanks but we’re especially mindful of how fortunate we are during November and this season of thanks. As a community bank, we know we are lucky to do business in such wonderful towns and communities across southern and central Ohio.

We are thankful for customers, many of whom have been with us for years if not decades. Some hail from families that have done business with VCNB since the 1860s. We are also incredibly thankful for our employees. Some of these folks have spent their entire careers with VCNB and are eyeing retirement while we have many newcomers who are eager to learn the VCNB way.

We asked our employees to tell us what they’re thankful for this year and here are some of the responses we received. We hope you enjoy reading them as much as we did!

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I’m thankful for the friends I’ve made here at VCNB! I came in and was instantly made welcome by almost everyone! I’ve built a lot of wonderful friendships here and for that, I am forever thankful!

Johnathon Bentley
Personal Banker in McArthur

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I am thankful first and foremost for my family! I am also very thankful for all the military men and women that are or have served to keep us safe!! Finally I’m grateful to be living in Perry County around some wonderful neighbors that look out for each other!

Alyssa Holbrook
Personal Banker in Bremen

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I am thankful for the past seventeen years of employment with VCNB and the privilege of working with a great group of people.

Beth Bayless
Senior Personal Banker in Canal Winchester

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I am thankful for my wonderful family, my great friends and my health and job.

Alice McCloud
Teller in Wilkesville

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I’m thankful my wife and I were each able to transition to working in Columbus this past year. This has allowed us to move back to where we grew up and be close to family. It’s been so great to be back around both of our families, especially our niece and nephews.

Josh Palmer
Branch Manager in Pataskala

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I am most thankful for my boys who push me every day to be a better person and remind me what is most important in life. I’m thankful for the success and growth we continue to have at VCNB and the great people I get to work with across all lines of the bank. I am also really thankful for the holiday season that, despite all the to-do’s and crowds, gives us time to spend with loved ones, reflect on the past year, and look forward to the next.

Justin Pike
Chief Auditor

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Most of all, I am thankful for my four boys – they are the loves of my life. I am also thankful to have an amazing fiancé, beautiful home and a job I love.

Melissa Wietelmann
Assistant Branch Manager in Ashville

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Give thanks not just on Thanksgiving Day, but every day of your life. Appreciate and never take for granted all that you have.

Erin Hart
Teller in Laurelville

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I’m so thankful for the family and friends in my life. They all mean so much to me. So happy to still have Mom here and doing well and that she and I can still travel to see family in Tennessee and Florida.

Paula Goodfellow
Senior Retail Accounts Officer in Chillicothe

 

A Fond Farewell: Earl Later Retires

Talk to Earl Later about how he spends his time outside of work and you have to wonder how he even finds time to work at the Salt Creek Banking Center. That’s actually no longer a problem for the longtime banker since he retired from the bank last week.

Earl has worked at our Laurelville branch since before it was part of the VCNB Financial Family. He started at Salt Creek Bank in 1995, bringing with him years of experience as a lender at other banks in Logan. When he started at Salt Creek, part of his job was to organize loan records and modernize forms to overhaul tracking and record keeping systems. “I spent a lot of time just getting files straightened out and updating forms so that we could have a better system moving forward,” he explained.

Earl Later retires 2He cut back to two days a week fifteen years ago but says he is now ready to retire from the bank and direct his attention elsewhere. And there is no shortage of things to keep him occupied.

Earl’s life with his wife Brenda keeps him active and busy. For the past six years, the two have been rearing two young boys – the children of Brenda’s deceased niece. Now aged 12 and 13, the boys are involved in school activities including soccer and basketball. “That keeps us going, having the boys and all their school work and sports and things they’re involved in,” he said.

Brenda also operates a cottage bakery business out of their home. From wedding cakes to party cupcakes to cheesecakes for a local restaurant, she stays busy with baking and decorating. He helps out as her runner, picking up supplies and assisting with deliveries.

He’s also looking forward to organizing his wood shop so that he can use it for future projects. And that’s without mentioning his ten acre Rockbridge property where he mows about five acres of grass, does snow removal and other maintenance.

Earl also credits a lifetime of hard work as he described growing up on his father’s farm. The Rockbridge property that now is home to a popular antique and craft mall was once his father’s busy farm.  “You name it, we did it. I drove tractor, baled hay in the summer when it’s hot. I learned to work hard.  Now I like to mow because it clears the mind, it’s a different world out here,” he said.

Earl also has a son, Mark, who lives in Logan. The pair have an annual tradition – they attend a NASCAR race together and try to visit a different track each time. “We’ve been to a lot of different tracks and we look forward to it every year.”

“Of course, I’ll miss talking to the customers and I’ll miss my coworkers but it’s a changing world and it’s a good time to retire. Nothing stays the same. That’s the one constant,” he said. “I like to keep the blood flowing. A lot of people, when they retire, they just sit down. The key is to keep active,” he said. “To me, old age is about fifteen years older than I am.”

 

Laurelville Lobby Reopens Monday

Since we began remodeling the Salt Creek Banking Center in mid-January the lobby has been relocated to the back of the building where customers have used the back entrance and are sometimes inconvenienced by our construction.

This is why we couldn’t be more thrilled to say that the wait is over and the lobby remodel is complete. Customers may resume using the front door on Monday!

With this remodeling project, the bank is embracing a new style of doing business that we believe will be not just aesthetically pleasing but a better experience for the customer.

The remodeled space is light and airy with digital screens for advertising and a wall featuring images from the town’s long history. The drive-thru has been reconfigured as well and now uses a video system for customers to interact with their bankers through high definition cameras and monitors.

More importantly, most of the staff has been trained to be Personal Bankers who can help customers with most of their banking needs.

The idea actually harkens back to an earlier time in banking when every employee could help a customer with almost all their needs. Whether customers are making a deposit, opening an account or applying for a consumer loan, Personal Bankers can help with all these needs without passing the customer off to another employee.

Branch Manager Holly King is enthused to begin using the new space.  “I am very excited that the new lobby opens on Monday! I cannot wait for my wonderful customers to see the beautiful history wall and experience this exciting time with us,” she said.

Customers and the public are welcome to stop by to see the work we’ve done. “Even if you don’t have bank business, we hope you’ll stop by to see how nice it looks and to have a cup of coffee with your bankers,” Holly said.

Other improvements include some upgrades to back office areas and to the building exterior.

 

Supporting Community By Investing In Ourselves

Artists Renderings of the new Pickaway County Banking Center in Ashville

 

Last month we told you a little about our core values – the things we value most and that make us who we are. We talked specifically about how we value community and the things we do to support our communities through volunteerism, donations and encouraging our employees to get involved.

Another way that we support our communities is through investing in ourselves. That sounds a bit self-serving but we believe in taking care of our buildings and putting our best foot forward whenever possible. A well cared for branch that operates efficiently is an investment in the community as well as in ourselves.

That’s part of the reason we have been undergoing upgrades at some of branches for the last several months. Last year we updated the storefront of our Circleville location and we’re putting the finishing touches on work at our Grove City branch while renovation projects are in full swing at our Laurelville and Lancaster West Fair locations. We recently finished demolition and clean-up of our Ashville building to make way for a brand new facility.

Plans are in the pipeline for improvements at other branches in the coming years.

Supporting the community means being good neighbors and we hope you’ll be happy with the results as we modernize and improve our locations in the coming months and years. The next time you’re in one of the branches under construction, be sure to ask the staff about the plans and have a look at the artist’s renderings of the new work!

Renovation Underway at Salt Creek Banking Center

VCBC SCBC Laurelville Exterior Render Elevation 073118VCBC SCBC Laurelville Render Elevation RED 073118We have started construction on a full renovation project at our Salt Creek Banking Center in Laurelville. This is now the third branch in a multi-year plan to renovate or replace all of our seventeen offices.

We are pretty fired up about the work we have planned here. In fact, when we saw the architect’s renderings of this office we all said a collective “Oh, wow!”

This renovation will usher into Laurelville a new era of banking that will empower most of our retail staff to help customers with all their needs and will create an atmosphere that is both personal and easy for customers to bank.

The work will begin with an exterior renovation that will include widening the front steps and making them easier to climb. The front door will be replaced with one that is wider and easier to open.

Inside, the interior will be remodeled to open the floor plan and add glass storefronts to three office spaces. Lower ceilings and new paint, carpet and lighting will create a light, bright and airy space to do business. A new history wall will spotlight the town’s heritage. Plus digital signage and iPads will provide customers with a more modern, hands-on banking experience.

During construction, temporary teller stations will be set up at the rear of the building and all customers will be asked to use the rear ADA entrance. Our Laurelville customers have been loyal for many, many years and we look forward to giving them a better place to bank.

Why We Are Thankful

Give thanks with a greatful heart - Thanksgiving day lettering calligraphy phrase with leaves and hearts. Autumn greeting card isolated on the white background.jpg

We asked our employees to tell us what they’re thankful for this Thanksgiving! Here are a few of their responses.

There are so many things to be grateful for! Faith, family, friends, health and each new day are all blessings I am thankful for. I am also thankful for my job with VCNB and for the opportunity to transfer to a new position this year!

Grace Delong
Indirect Loan Processor

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I am thankful for my two daughters. They are truly the best blessing I could have ever asked for. I’m also thankful for my family and friends. They are always there to help and support me.I am very thankful for my job. Without my job I wouldn’t have been able to provide for my daughters.

Kati Maple
Branch Manager, Pickaway County Banking Center – Ashville

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Most of all, I am thankful for family. I know that sounds so typical but you haven’t met my family! We are not typical!

Barbara Perry
Teller, Pickaway County Banking Center – Circleville

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First and foremost, I am thankful to serve a God who gave his son so that I may have everlasting life. I am thankful to have great family and friends to share my life with. I am thankful to have the ability to pull memories of loved ones who have gone before me. I am happy to live in this beautiful free country where I can make my own choices. I am also grateful to be able to help others as the opportunities arise. All in all I am a very thankful and blessed lady.

Monica Delong
Retail Accounts, VP

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Thanksgiving is here, with another year coming to an end. I have always thought of Thanksgiving as a favorite holiday of mine. We can celebrate together, giving thanks to the God that we serve for what he has done for us. I am thankful for my wife, children, and now grandchildren for the happiness they give me. As I continue to age, I am more and more thankful for the health that I have. We cannot forget the country that we live in, and the freedoms that we take for granted. I will, also, pause to thank VCNB for the opportunities that they give to us to grow and serve the communities that we work in. Lastly, I was born on Thanksgiving!

Dale Massie
Senior Retail Lender, Jackson County Banking Center

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I have so much to be thankful for. God has blessed me with a wonderful family, nice home, a good job and so many other things that we sometimes take for granted. I hope everyone has a Happy Thanksgiving and enjoy your time with family and friends.

Charlotte McCarty
Branch Service Manager, Vinton County National Bank – Wilkesville

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I am thankful for having two healthy little boys who fill my heart with joy, along with my husband who is my biggest supporter and best friend. I am thankful for having a great place to work at that is so understanding to a working mom and the hiccups that happen with having two small children.

Emilee Harper
Branch Manager, Pickaway County Banking Center- Commercial Pont

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I am thankful I work for a company that allows – and encourages – personal involvement with my community and allows me the freedom to make sure I can be there (wherever “there” may be from time to time) for my family. I live a busy life between my professional life and the extracurriculars my family is involved with and the groups and organizations that are important to me. The ability to simply “be there” sometimes is greatly appreciated. Add to the fact that I call Southeast Ohio home – I’m born and raised here – and there’s a certain pride I have in making a living here. I’d feel silly asking for much more than that.

Austin Rohr
Marketing Specialist

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I am thankful for nights that turned into mornings, friends that turn into family, and dreams that turned into reality.

Erin Hart
Teller, Salt Creek Banking Center

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This holiday season, I have the privilege of hosting our family’s Thanksgiving gathering for the very first time. In October, we were blessed with a new home and enough space to accommodate my 20+ loved ones for dinner. I am so very thankful for the opportunities given to me in 2018, and more importantly, to be able to share them with the people I love. To my father who returned home from surgery just last week, I am grateful to have you here to cut the turkey. Happy Thanksgiving to all!

Nicole Scott
Branch Service Manager, Friendly Bremen Banking Center – Bremen

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This Thanksgiving, I have so many things to be thankful for. Here are just a few. First and foremost, I’m thankful to have a God that forgives us and loves us unconditionally. I’m thankful for my family and friends and I’m thankful for our military who fight for our nation’s freedom every single day so we can be free. Happy Thanksgiving everyone!

Patricia Scott
Senior Teller, Ross County Banking Center – Richmond Dale

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This year I am thankful for another fantastic year with my husband. We have built a beautiful life and I am thankful for it each and every single day. We adopted the sweetest/crazy puppy this past January and have truly enjoyed watching him grow into an amazing companion to us. We have a home that we built together fifteen years ago filled with all of our precious memories. We get to travel and well, just spend as much time together as we possibly can. He is my best friend and I am more than blessed and thankful to get to live my life with him.

Emily Wangler
Personal Banker, Franklin County Banking Center

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I wish to give thanks for all the blessings I have today. I’m thankful for all those around me – my co-workers, customers, friends and my family. I’m grateful for my good health, living life to the fullest with my family, and getting to call beautiful Vinton County my home.

Beth Ann Patterson
Senior Retail Accounts Officer, Vinton County National Bank – McArthur

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I am thankful for my home, family, and for the memories we make everyday.  For the love ones that I lost. Who taught me to live life to the fullest and gave me the opportunity to love them in return. I am blessed each day and thank God for the great scenery.  All the colors in the fall, to the first frost, only to start at the beginning with all the colors of spring. Each day is a blessing and I’m thankful.

Tracy Nichols
Senior Customer Service Representative

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I am thankful every day for our God, family, health, home, friends and neighbors. Happy Thanksgiving to all!!!

Melda Cottrill
Personal Banker, Canal Banking Center

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This year I am especially grateful for our new house and family. From my sister giving birth to two beautiful twin girls in September (I’m an uncle!) to the more recent loss of my grandmother only a few short weeks ago, it’s been an eventful year. I feel lucky to have such a supportive and loving family through the high and low moments of life.

Mitchell McCrady
Personal Banker, Friendly Bremen Banking Center – Pataskala

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I am so thankful for my family. My wife and children and all of my family, whether they’re blood related or not. They all collectively make my life better and without them, I’d be lost. They’re my biggest supporters through everything and my biggest comforters when things aren’t so good.

Johnathon Bentley
Teller, Vinton County National Bank – McArthur

 

From all of us here at VCNB, we wish you and yours a happy and peaceful Thanksgiving. We are thankful to be a community bank with hard working employees and to be serving customers in so many amazing communities. We thank you for your business!

Small Business Spotlight: Big Woods Woodworking

Small businesses are important to communities and running a small business is tough work. That’s why we feature a small business in one of our communities every month!  

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Big Woods Woodworking is located on State Route 56, just outside Laurelville.

Spend some time talking to Marcus Mast about his business Big Woods Woodworking and one word consistently comes to mind.

That word is “quality.”

It clearly is important to Marcus that he provide a quality product and quality service to his customer as well as a good quality of life for his family. He is very quiet in the way he describes his products but the wood furniture and other items created at Big Woods Woodworking speak volumes.

This is the place to go when you are in search of just the right piece of wood furniture for the home or outdoors. That’s because each piece is handmade with care and to suit the needs of the buyer. It is so well made that it is easy to imagine that much of his work will be passed down through generations and will someday be considered heirlooms.

The showroom is packed with samples of the furniture he makes along with some smaller pieces that are available for sale. But the real draw is the fact he makes each order by hand, specifically to suit the needs of his customer.

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The showroom at Big Woods Woodworking is packed with samples of handmade items that can be adapted for the customers’ needs.

Log beds and log furniture to complete a bedroom suit are among his most sought after pieces. Dining room tables and chairs, desks, coffee tables, side tables, armoires, bar tops, chess tables and lamps are also popular. Slab tables and bar tops have live edges, lending a sense of rustic charm and natural beauty that would be appropriate in many settings.

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Log beds and the dressers and nightstands that match are among their most popular items.

For the outdoors, Big Woods makes custom porch swings, arbors, tables and chairs.

His wife Rochelle does wood burning on some pieces and their children sometimes pitch in to make small items that are sold in the shop.

The lumber he uses most comes from all over the region and the country. Aspen, with its worm holes and beautiful color, is often used in slab tables. He also uses red cedar from Missouri, pine from Ohio and Michigan, hickory, and walnut from around Ohio.

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This chess/checkers table has two drawers to contain the pieces when not in use.

“I like to say that God makes the trees and He makes the beauty. We just go find it, we find the beauty,” Marcus explained.

In addition to the pieces he regularly makes, Marcus said that customers often come with ideas of their own. He can design furniture to suit their needs. An example is a cupboard he designed that features a cutting board top and adjustable book stand for cookbooks. He is currently working on an enormous bar top designed to suit a specific space in a customer’s home. Another project is an armoire he is building with walnut that the customer brought to him. “Some people just can’t visualize what they want but they can describe their needs. Their eyes light up when they see the finished product and they say it’s just what they wanted. That’s good to see,” he said.

Marcus said he learned his trade through years of experience. “All my life I’ve done little projects, things for the home, things for us,” he said. He went on to explain that he worked in someone else’s shop prior to opening his own. “There’s been some trial and error and some trial and success. It’s the kind of thing you learn as you go.”

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This child sized table and chairs would be perfect for any youngster’s playroom! 

It is clear that while he is intent on creating a quality product for his customers, he also focuses much on providing a good life for his family. “It has always been my dream to work at home where the children can come down and be with me. My wife enjoys dropping in too. This business is a way to do that and to provide for my family,” he said.

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This table was made using logs from the property.

It’s also a way to teach his children valuable skills. “Just the ability to use your hands, that’s what I enjoy and that’s what I want for my children. I want them to have a broader experience than I can provide for  them through my shop here and so by teaching them to use their hands, to think things through, to plan and to connect everything together, to have a finished product . . . those are skills they can use their entire lives,” he said.

Wait times for custom orders vary depending on current workload. At this time the wait is approximately four weeks but can be longer. He said they work hard to accommodate the scheduling needs of the customer. A discount is available for the purchase of a four piece log bedroom suit.

Call Big Woods Woodworking at 740.607.8184. The showroom/shop is open Monday through Saturday and is located at 1577 St. Rt. 56 East, just outside of Laurelville. They accept cash, check or credit card.

See below for additional pictures from Big Woods Woodworking.

 

 

Honoring a Pioneer: Gwen Egan

Earlier this year we told you about the first woman employed by Vinton County National Bank. Today we’re featuring the first female employee at Salt Creek Valley Bank, now known as Salt Creek Banking Center. Read on to learn more! 

When Gwendolyn Dent Egan began working at Salt Creek Valley Bank in 1937, the landscape of the banking industry was decidedly masculine. Few women worked in banks and there were no other women at the Laurelville bank.

Many things have changed in the industry and the country in general since Gwen was a young woman starting her first day at a job that would become her career for many years. She was not just Salt Creek’s first female employee, she was the first female bank officer as well.

Fresh from high school, Gwen enrolled at Capitol University to study business but found herself homesick and unhappy. “Mom said I had to stay but Dad said I could come home as long as I did something else,” Gwen recalled.

At the time, the bank employed just two men – Elmer Strauss and Joe White. “Dad knew Mr. Armstrong, the Bank President, so he went to see him. He asked Mr. Armstrong if he didn’t need a girl in that office,” she laughed. “Mr. Armstrong talked to the board and that’s how I got the job!”

That’s how Salt Creek Valley Bank hired their first female employee. “After that we had a lot of women employees. Most were very good but I was the only one for a while,” Gwen said.

Her first job was to run checks through a posting machine. “I remember that thing was a real antique, all the way back then!” she exclaimed. Another big part of her job was waiting on customers. “We had some very nice customers. You got to know everyone working at the bank.”

While modern banks are equipped with state-of-the-art technology, for the early part of her career, banking tools were basic. “Everything was recorded in a big ledger. After we balanced out for the day, I did the book work. There was a ledger I wrote it all in,” she explained. A typewriter, adding machine and pencil were the other tools of the trade used during her early career.

In 2016, at age 97, she claimed her memory was failing but she recalled the names and family trees of many coworkers and shared a host of stories about the town and the bank. “There were a lot of good times and there were some bad,” she said recalling friends of old, girlhood hours at the skating rink and the terrible flood of 1968 that threatened the town’s future.

She discussed how the flood waters reached countless homes in town and how everyone pitched in to help with clean up and recovery, saying that even inmates from the state penitentiary were sent to help clean up. “We got the town cleaned up and went back to work,” she said.

But Gwen has many positive memories as well. Since the bank closed on Thursdays, she recalls how she spent her Thursday afternoons. “When we closed on Thursdays, away I went to Columbus to shop at Lazarus. I just loved that Lazarus store in downtown. I know I spent too much money on clothes over the years but I loved them and my husband never complained,” she said with a chuckle. “The bank didn’t have a strict dress code but I always tried to look nice.”

By the time she retired, the banking industry had changed a great deal and the Salt Creek Valley Bank was changing with it. “When I first went to work, if someone came in and wanted to borrow a little money and you knew them, you would just write the note out. But it got to be you just couldn’t do that anymore. Times certainly changed,” she said.

One thing that never changes, according to Gwen, is the flow of customers who need their community bank. “I miss the people. I loved the people. I liked to talk to people and always tried to be real nice to everyone. After all, you have to be a friend to have a friend.”

Gwen retired in 1983, after 46 years of service to the bank and community. She still lives in the home she was born in and the one she shared with her late husband Howard Egan. “This is home. I hope to never leave,” Gwen said.

VCNB Gives Back

Sunday was World Kindness Day and, as a community bank, we think that’s kind of a big deal. In fact, the idea of being good to our customers, employees and communities is something we embrace every day.

We try to be a good corporate citizen and to lead by example, supporting as many community functions as we can across all the communities where we do business. Since our footprint has expanded a lot during our 149 year lifetime, the area where we try to do good is also expanding. From as far south as our hometown in Vinton County up through Logan, Lancaster and Chillicothe to Grove City and all points in between, we donate money and time to countless community and school groups.

This year we expect to spend more than $220,000 in our local communities!

We also reward our employees for their volunteer efforts. In an average year, our employees collectively donate several hundred hours each year to organizations close to their hearts. Animal shelters, food pantries, school events and countless community events benefit from the generosity of our wonderful employees who like to help out where they can.

During the holidays we like to spotlight some local groups that need public support and give our customers the opportunity to help out as well. Throughout the month of November we’ll be collecting donations for the following:

mcarthur-coat-drive

Thanks to Dollar General of McArthur for kicking off their coat drive with a big donation of coats, hats and gloves for kids. Rachel Hoyt, Carol Faber and Heather Ramey are pictured with a few of those items!  

Vinton County National Bank in McArthur – Monetary donations will be collected for the Vinton County Local Schools Backpack Program. New and gently used coats, hats, scarves and gloves will also be accepted for kids in need in Vinton County schools.

 

Vinton County National Bank in Wilkesville – Monetary donations will be collected for the Vinton County Local Schools Backpack Program.

Hocking Hills Banking Center in Logan – Monetary and donations of items will be collected for the Hocking County Humane Society. Click here for more info. 

Salt Creek Banking Center in Laurelville – Monetary donations will be collected for the local Backpack Program.

Ross County Banking Centers in Chillicothe – Monetary donations will be collected for the Good Sam Food Pantry.

Ross County Banking Center in Richmond Dale – Monetary donations will be collected for the Mission Family Ministries and Goshen Run.

Pickaway County Banking Center in Circleville – Monetary donations will be collected for Emergency Clearing House Association of Pickaway County.

Pickaway County Banking Center in Ashville – Monetary donations will be collected for local Backpack Program.

Pickaway County Banking Center in Commercial Point – Bank will purchase canned goods for a local church at Thanksgiving and will also participate in Secret Santa at the church.

Friendly Bremen Banking Centers in Lancaster and Bremen – Monetary and non-perishable food donations will be collected for local food pantries.

Friendly Bremen Banking Center in Pataskala – Monetary donations will be collected for a local food pantry.

Canal Banking Center in Canal Winchester – Bank will accept monetary donations for the Canal Winchester Food Pantry.

Franklin County Banking Center in Grove City – Bank will accept monetary donations and packages of new men’s and women’s socks for Socks For Soldiers.

 

If you’re in the area and would like to help out a local organization, we hope you will stop by a branch and make a donation. The bank will also contribute funds to each of the organizations we are spotlighting this holiday season.  All of these collection efforts are for good causes and we are excited to help them!

 

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.