Tag Archives: Save Money

Spring Clean Your Finances

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Getting your financial house in order is one of the most important things you can do for yourself and your family. Trust us when we say your future self will thank you. Since we associate spring with new growth and at least cleaning up the old, we think this is the ideal time to spring clean your finances. Don’t know where to start? That’s ok – we’ve got you covered!

Start Here

We know that no one likes the ‘B’ word but you really can’t get your financial house in order until you have a budget. You have to know how much money you have and how it’s being used. It’s that simple. Americans spend way too much money without thinking or planning and it can get them into trouble.

Budgeting isn’t scary and it doesn’t have to be hard. We’ve written about it in the past and will provide some links in the Resource Guide below. Whether you use an app or old school pen and paper, your goal is to list your income and every expense you can think of including regular bills, annual expenses, walking around money and how much you are saving for the future. If you have kids in school, your summer budget needs to include school supplies and clothes. If you enjoy travel, there needs to be a line item for those expenses too.

Now look at what you have. Are you spending more than you make? Are you saving for a rainy day? Are you trying hard to not look too closely at your credit card bill when it comes? Be honest with yourself. If you have a spending problem and no way to pay for it, now is the time to get help. If you make plenty of money but still can’t seem to save anything, look for what’s holding you back. If you are living paycheck to paycheck and there’s nowhere left to cut, maybe it’s time to increase your income.

Next Steps

  1. Find more money. If your budget is ugly at first, there’s no reason to be ashamed but this is the time to find more money. There are two basic avenues for this. Cut expenses or make more. Cutting expenses is an easy place to start. Call your insurance company and ask them to shop your policy. This alone could save hundreds a year. Are you spending money on a vice or maybe on extras that you don’t care about? Cut that gym membership and start using free online resources or hike a local park. Costs are on the rise but how much food do you throw away out of neglect and poor planning? Most employers are desperate for good workers and are willing to pay more to keep a good employee or to entice someone new to accept a job. Ask for a raise or dust off your resume and find something that’s better for you. Look for things to sell or deliver pizzas a couple of nights a week. Finding money is hard but it can be done!
  2. Pay off credit card debt. Many Americans would be ok if not for the enormous mountain of credit card debt they face each month. Before you do anything else, take control of this debt that’s keeping you awake at night. Use any extra money to pay it off for good and begin using that credit card only when you know you can pay it off.
  3. Save for emergencies. Everyone needs an emergency fund. Emergencies, both large and small, happen every day of the week but if you have no savings to help, even the smallest problem can feel like a catastrophe. Save whatever you can and accumulate as much as you can. Most everyday unexpected expenses are going to come in at less than a thousand dollars so that’s a great savings goal to start with. A long term goal would be three to six months of living expenses. Just remember that you are saving this money for a rainy day so be sure to save it and forget about it until the need is important.
  4. Save for your future. When you’re young, the future sounds so far away. However, time has a way of speeding up as you age and life gets in the way. Get into the habit of saving for your future as young as possible so that you can someday enjoy life as a retiree!
  5. Gather important documents. We all like to think we will live forever and that we will always live independently but life is full of surprises. Gather important documents in one place and make sure your next of kin know where to find it. That means insurance policies, deeds, bank information, investment firm contacts, will and power of attorney. Don’t have a will? Now is the time to have one made.

Spring cleaning your financial house is a chore but it’s an important one and we hope that you will be inspired to start working on these steps. Remember, it doesn’t all have to be done in a day. Begin with the budget and start accumulating a list of opportunities for you to spend more wisely, save more consistently and be prepared for troubles someday.

Resource Guide

Click the links below for more guidance on budgeting and saving money!

Budgeting 101

Why Your Budget Doesn’t Work

Emergency Fund 101

31 Ways To Save Money

Be Organized To Save Money

No Spend Challenge

Nine Changes To Save On Food

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The cost of groceries is on the rise and that’s a tough blow to the budget if you’re not prepared. Some traditional ways to cut costs include shopping sales, couponing and trying generic brands. What else can you do? We have some ideas to help you dig a little deeper into your food shopping habits and save some money.

1. Plan Before You Go. Check online for your favorite store’s weekly sales and plan meals around the bargains. If you know you need seven dinners, seven breakfasts and some leftovers for lunches, make a list of what’s on sale that you like to eat.  For example, if they have rotisserie chicken and potatoes on sale, plan to have chicken with a baked potato and a veggie for dinner that night. A chicken sandwich will keep you full for lunch the next day. For dinner the next night, use up what’s left of that chicken to make soup, chicken pot pie or even add some barbeque sauce for sandwiches. Potato soup is filling, easy and reheats great. Two sale items can be combined with other things and reworked into a few meals with some simple planning.

2. Shop Once. Every trip to the store will cost you more than you think it should. Even if you run in just to pick up a loaf of bread, you’ll end up spending more than planned unless you have better willpower than we have. That’s because stores are designed to make you walk past lots of good stuff to get to the necessities. Before you know it, that $3 loaf of bread is going home with a dozen donuts, some chocolate milk and boxed mac and cheese. Plus you’ll have sticker shock because you spent ten times more than planned.

3. Be Prepared. Keep some quick foods to grab when you’re tempted to hit the drive-thru. We don’t always want to go home and cook, especially when we’re tired from the day, hungry and the drive-thru line is inexplicably short. Keep frozen pizzas or some skillet meals that can be ready in minutes.  Ten dollars in frozen pizzas will be cheaper than $40 worth of take out.

4. Embrace Frozen Produce. We all love having fresh produce around but it isn’t always cost effective. Fruits and vegetables are picked at their peak and flash frozen so many are more delicious than the fresh. Skip the expensive steam in the bag products and experiment with steaming, roasting and air fryer preparation just as you would with fresh vegetables. Frozen fruit is great in smoothies and muffins, can be heated for a delicious pancake topping and is good just to thaw and eat as you need it.

5. Cut Back On Snacks. That bag of Doritos is way more expensive today than it was a few years ago. Try making popcorn, shopping generic brands or even opting for a healthier snack like peanut butter on toast or carrots with dip. Also, avoid waste by finishing one bag of snacks before opening another one. This is especially hard if you have kids in the house so try creating a special snack box just for them.

6. Look For Cheaper Cuts Of Meat. Chicken legs baked in barbeque sauce are delicious. Buy a cheaper cut of steak to cook in the Crockpot with some gravy.  Buy a small ham to slice for sandwiches instead of expensive lunchmeats. Shop the sales and stock up your freezer as your pocketbook allows.

7. Have Breakfast For Dinner. Nothing comes together as quickly, cheaply or deliciously as pancakes and scrambled eggs. Add some frozen berries to those pancakes and you’ll have a meal that’s even pretty to eat.  Plus, when you’re talking dollars per ounce, eggs are a cost effective way to get in some protein!

8. Audit Your Fridge. Saving money on food is about curbing waste as much as it’s about finding the best price. How much food gets thrown away in your house every week? Look through the fridge every couple of days to identify anything that’s at risk. If there’s a lot, put out all those leftovers buffet style. If there’s a little, take it in your lunch. Odds and ends of vegetables and meats go well in soups, omelets and pot pies. Surplus zucchini is great shredded and used as filler in meatballs or in delicious muffins. Google how to use up leftovers and be amazed at what you’re wasting.

9. Be Smart About Drinks. We all like our favorite fizzy drinks, fancy coffee creamers and sugary sports drinks but these costs add up and they have no nutritional value. Drink more water and save the fun drinks as a treat.

As you can see, a big part of saving money on groceries involves thought, planning and simply using what you have. It isn’t hard work and it gets easier to do with experience. You don’t have to adopt all of these changes at once to be successful. Choose one or two to try right now and keep working at making improvements as you can.

Take The No Spend Challenge

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Let’s talk spending. More importantly, let’s talk about not spending money.

Did your holiday spending get out of control this year? Maybe you spent more than you planned. Maybe you didn’t have the money at all but knowingly decided to take on the debt and pay it off later.

How often do impulse buys make it into your cart?

Do you know how much disposable income you would have if not for the impulse spending, restaurant meals and credit card debt?

We ask these questions because many American consumers have no idea where their money goes. That’s because they have a habit of mindlessly buying things that are “just a few dollars” or of overspending even when they know they shouldn’t.

If you can relate, you may be a good candidate for a No Spend Challenge.  A No Spend Challenge is exactly as it sounds. You make a game out of not spending extra money for a period of time.

The Do’s and Don’ts

  • Do set a start and end date. Many people aim for a month but you might test the waters with two weeks. If you are ambitious, go for two or three months.  
  • Do pay your bills. That means mortgage, utilities, car payment and all the other regular budgeted bills you pay to keep yourself under roof and your life functioning.
  • Do buy the groceries you need. This means stopping to consider whether you’ll actually eat that celery or if you’re buying it out of habit. Buy the things you need and limit the things you don’t need this month. Instead, eat out of your pantry and freezer to get rid of some things nearing expiration.
  • Do pay for transportation expenses. Whether it’s a tank of gas or a bus pass, you still need to find your way to work and school.
  • Do seek medical care when needed. This challenge isn’t an excuse to skip dental check-ups or to neglect a medical problem.
  • Do take some time to think about all the things you buy in a typical day or week that don’t fit into the above categories.
  • Don’t take on new luxury bills. Now is not the time to sign up for a new streaming service.
  • Don’t buy food you don’t need. Do you already have a cupboard full of cereal at home? You don’t need that box of Lucky Charms.
  • Don’t eat out for fun. This is hard for many but we often eat out because we’re too lazy to cook or because it sounds like a good idea. Put the family to work making a meal together with ingredients you already own. We can’t be the only ones whose mother told them they didn’t need a Happy Meal “because we have food at home!”
  • Don’t buy single serve drinks and snacks at vending machines and gas stations. Remember all that food you have at home? Pack some of it for a snack. It’s way cheaper and you may find some healthier, cheaper alternatives to the pack of gummy bears.
  • Don’t shop for fun or for things you don’t need. That means no new clothes and shoes just because they’re on sale. Did your kid hit a growth spurt? If they need a new pair of shoes, go for it but remember you’re there to buy for your growing child and not for yourself.

See where we are headed with this? If you commit to only buying the necessities for a month or even just a pay period, you will probably be surprised to see how much you have left in the bank at the end.

Personalize It

The best No Spend Challenges are personalized. You may have some rules to bend. For example, there’s no time to cook between work and your college night classes so you grab fast food on the way. Just budget for those allowances and don’t go overboard.

If you have other people living with you, get them involved. Make it a family affair. Your young children may be better at holding you accountable than your spouse because kids often get rules like these better than grown-ups do and they don’t mind shaming you when they catch you red handed.

You may even make it a game and set a goal or a reward. If you hit a savings goal or if you don’t eat out, you get to go to your favorite restaurant at the end.  

Most of all, find ways to help you not feel deprived. Remember the commercial that entices us to buy because “we all deserve nice things?” You don’t have to keep buying to have a good time.  Make brownies and popcorn for a movie marathon with the family one night. Invite friends over for a game night and ask everyone to bring a snack to share. Brush up on a hobby, go for a walk, visit a free museum, hit up the library, hold a photo shoot with your phone or call a relative to chat instead of spending of money.

There are tons of free ways to spend your time. In fact, if you want to reinforce how much extra stuff you own, spend some time cleaning closets and cupboards, purging unneeded and unwanted stuff that you’ve accumulated. It may discourage you from going out and buying more!

Want to do a No Spend Challenge? February is a great time to test the waters since it’s just 28 days. Then again, why not start today?

Six Ways To Save On Groceries Today

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It’s a necessary purchase and one of the most expensive line items in most household budgets. What is it?

Food.

Everyone has to eat and it can be costly but there are some ways to eat healthy and for less simply by making a few adjustments to eat with the seasons.

  • Eat what’s in season. It typically costs less, isn’t shipped as far and tastes better. For example, melons, berries, cucumbers, zucchini, sweet corn, green beans, tomatoes, cherries and a host of other fruits and vegetables are in season during the summer. In the fall, look for pears, apples, broccoli, sweet potatoes, pumpkins, peppers and eggplant. Each season offers different bounty and new opportunities to switch up your diet.
  • Go for fresh. Those prepackaged salads are quick and look good but can go from attractive to limp or slimy quickly. Fresh romaine, head lettuce and spinach make a great salad and will last longer. Pre-cut veggies and melons are convenient but cost far more per pound that cutting melon or celery for yourself.
  • Go for frozen. Frozen fruits and veggies are typically picked when ripe and then flash frozen. That means frozen produce is a good substitute for fresh. However, beware the frozen prepared meals which often are packed with sodium and sugar and cost more for their convenience.
  • Eat (and take care of) what you have. How many times have you loaded up your cart with tons of fresh produce only for it to rot in the fridge? Make sure you’re either eating what you buy or learn what can be frozen for later. For example, grapes are an amazing treat when frozen. Even odds and ends of leftover vegetables make a great base for soups or omelets. Fruits go well in smoothies or baked goods.
  • Go meatless. Meatless Monday has long been a popular concept and summer is a great time to try that out. With an abundance of fresh from the garden produce, there’s a world of recipes and meal combinations to entertain your taste buds.
  • Preserve it for later. Learn what kind of produce freezes well. Then you can snatch up deals while the selection is abundant and enjoy the season’s bounty when the price is higher again later.
  • Shop local. By shopping farmers markets or farm stands, you’re getting seasonal foods and supporting a business in your community.

How do you cut grocery costs and still eat healthy? Tell us in the comments. We would love to hear from you!

Tips For Teaching Kids Of All Ages To Save Money

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We recently celebrated Teach Children To Save Month which is an excellent opportunity for parents to start talking to their kids about saving money. As their parent, you want the best for your children and one way to help them get a good start in life is by teaching the value of money and how to save it for a rainy day or for a goal. Learning to properly manage money is as important as learning to read and write but it can be hard to know where to start.

No matter your child’s age, from toddler to teenager, there are some basic principles that apply to any age.

Give Them A Way To Save – Little kids love putting money in their piggy banks. Give them a bank or maybe a clear jar so they can see their savings grow with every nickel and dime they drop in. Older kids respond better to seeing their savings grow in their mobile banking app so help them set up a savings account.

Let Them Earn Money – Older teens may have jobs while younger kids might pick up a few bucks by walking a neighbor’s dog. Even little kids can earn a little by taking on some kind of responsibility at home. Maybe you give your kids an allowance. Regardless of the source, kids needs to have access to some money of their own so they can learn how to handle it responsibly and possibly even learn from a mistake or two while they’re young.

Explain Needs Versus Wants – This can be a tough topic even for adults sometimes but help your kids understand the difference between what they need and what they want. While they need a new coat for school, they don’t need an expensive name brand coat. They need to eat dinner but it can be cooked at home rather than ordering out. They won’t die of boredom if they don’t have the newest Lego set.

Set Goals – Your teenager will want a car someday. Younger kids may want a new toy or spending money for a special occasion. Talk to them about how forgoing a small purchase today will help them reach their goals.

Establish Some Rules – Establish some simple rules for spending and saving. Do they get to spend all their money all the time? How much should they save? This is a personal question for your family but one basic rule of thumb is to save a quarter or a third of any money they receive.

Talk To Them About Costs –There are many costs to spending money. If you occasionally have your child pay for something out of their own money, they will associate buying the thing with seeing their savings level dwindle some. Talk to them about how if they buy this $5 toy, it will take them longer to save for the $20 item they really want. Help them rationalize how badly they want the small thing versus the bigger savings goal.

Talk About Yourself – Don’t be afraid to tell your kids your personal savings story. Do you wish you had started saving money earlier? Help them learn from your mistakes! Are you a great saver? Share with them why it’s important to you and how you prioritize saving. Talk to them about the choices you’re making every day. Help them understand that clipping coupons and buying store brand green beans is how you can afford to take the family on vacation this summer.

Saving money is like a muscle that needs some exercise. The more you save, the stronger your desire will become to make good money choices. It’s much easier to create a savings habit at a young age than to change behaviors in adulthood.

Vinton County National Bank has a number of tools to help you teach your kids the value of managing their money. Learn more about our Youth Savings accounts and Youth Checking accounts to get started.

Audit Your Expenses To Boost Your Savings This Year

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Saving Money.

It’s a goal that many of us have. We want to save money, to put away something for a rainy day or maybe for a sunny one at the beach. But, let’s be honest. Saving money can be hard when it seems there is an endless stream of expenses and needs that throw our savings goals off track.

save or spend money

Looking for ways to cut costs is a good start toward saving more money. 

There are typically two ways to save money – either make more or spend less. Today, we will focus on spending less.

For most Americans, there isn’t one easy fix that will save them a ton of money but there usually are some small savings opportunities that add up to a good bit in a month or year. Some require research. Others require lifestyle changes, discipline and maybe some inconveniences in the name of cutting costs.

The first thing you need to do is understand how you spend your money in the first place. Is it all eaten up by bills and debt? Are you spendy when it comes to eating out? Do you blow all your money shopping online?

Keep a log of every dollar you spend and then honestly consider opportunities for cutbacks. It’s smart to audit your own spending and bills every year.

Examine Your Monthly Bills – When was the last time you shopped your car or homeowners insurance? What about internet, phone and television? Are you paying for a landline that no one uses? Call the cable or dish company to ask for a discount or consider alternate means of watching your favorite shows. If your mortgage is high, refinancing could be an option for you. A few simple phone calls could save you a lot.

Scrutinize Memberships And Subscriptions – Chances are you are paying an annual fee for something you don’t need or a magazine or website you don’t use. Review your credit card statements as many of these expenses auto renew. If you never go to the gym, that $20 a month could be better spent elsewhere.

Study Your Habits – If you eat lunch out five times a week and average $10 per lunch, that’s $2,600 a year. Maybe you can pack part of the time. If you shop when you’re bored, bring home take-out because you’re unprepared for dinner, or make purchases without looking for a deal there is room for savings. What habits are you willing to change in the name of having more available cash?

Avoid Late and Overdraft Fees– Always pay your bills on time to avoid late fees. The easiest way to do this is to automate your payments and this can be done with VCNB Online Bill Pay. Also, keep tabs on exactly how much money you have in your checking account to avoid overdraft fees.

Pay Yourself First – When you’re cutting expenses, be sure to safeguard your savings by tucking away that money in a savings account. If you save $40 a month on car insurance, set up an automatic transfer to your savings account each month. By the end of the year, you’ll have $480!

Save Those Windfalls – If you get a bonus at work or a tax refund, transfer those funds to your savings account. Use this good fortune to give your savings a boost!

The bottom line is that the way to savings is often through mindful spending. You work hard for your money. Be smart about how you spend it so you can save more.

 

 

 

 

 

What To Buy Right Now

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Each month of the year is the ideal time to buy certain types of merchandise. This time of year is ripe for the picking in many areas as retailers begin their big holiday push with deep discounts on Christmas gifts. Between Black Friday, Small Business Saturday and Cyber Monday as well as all the other days in between, there’s no shortage of opportunities to buy and save.

Cookware and small appliances– The pandemic has many of us cooking more so you may find that it’s high time to replace your cookware with something better. If you’re thinking about a better mixer, pots and pans or baking sheets to help you channel your inner Emeril, this is the time to invest.

Genealogy services – The holidays are typically a season of family togetherness. Maybe that’s why genealogy services like Ancestry and 23andme offer subscription discounts. Look for these services to be on sale this month and next.

Clothes, shoes and accessories – Last season’s clothes, shoes and accessories are now deeply discounted but it’s also a good time to find winter items on sale. Boots, coats, sweaters and other cold weather items have been in the stores for a month or more and retailers are anxious to start moving them out the door.

Electronics – Everyone is looking for a deal on televisions, computers, tablets, and smart home accessories and November doesn’t disappoint. It’s the perfect time to pick up a deal on any of these things and more!

Groceries – The holiday season usually inspires a lot of baking. Cookies for Santa and pies for Thanksgiving are just the tip of the carb filled iceberg so there usually are plenty of sales on baking supplies and mixes. It’s a great time to stock up on pantry items like flour, sugar, chocolate chips and baking mixes for a deal. Turkey, stuffing mixes, frozen breads, punch supplies and many canned goods are available for a great deal in anticipation of Thanksgiving feasting.

Toys and Games – The holidays are for the kids after all! It’s a logical time to find Christmas gifts but also smart to stock up on gifts for birthdays and holidays in the coming year. Don’t forget to save some cash for after Christmas sales too!

Local gift items – We think it’s always a good idea to shop local but many artisans and craftspeople have been working for months in anticipation of Christmas sales. Have a look around and see what unique gift items (and maybe some things for yourself!) can be found in your community!

Act Now To Be Ready For Winter

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Save yourself trouble later by cleaning out those gutters this fall. While you’re up there, inspect your shingles for damage.

It may only be September but winter will be here before you know it and these moderate autumn days are a great time to prepare for harsher conditions. There are a number of small and large projects around the house that could prevent major problems, save money and head off headaches.

When it comes to preparing for winter, an ounce of prevention is worth a pound of cure. Here are some ideas for getting started!

Inspect your shingles. Make sure they’re intact and none are loose or damaged. Compromised or missing shingles will allow for further damage including roof leaks from rain and snow.

Tidy up outdoors. Drain water from the garden hose, gather garden tools, clean outdoor furniture, toys and appliances, empty flower pots of dead flowers and store these things away someplace safe until spring. Turn off exterior faucets and don’t forget to drain the water that remains in them. Have leaves in your yard? Mow over them. The small cut pieces will fall into the grass and decompose, nourishing your lawn through the winter.

Inspect your gutters. Are your gutters and downspouts securely attached to the house? Are they clear of leaves, tree branches and debris?

Call on a heating pro. Have your furnace or heat pump inspected to make sure it’s in good working order and safe to operate. It’s better to spend a little on a maintenance call now than to be without heat on a cold day this winter. While you’re at it, replace the filter and develop a habit of replacing those filters regularly.

Keep warm air inside. Use weather stripping around doors and windows to stop drafts. Replacing door seals and door sweeps is another cost effective way to keep cold air from seeping inside. Use exterior caulk to seal around siding, windows and door frames outside.

Reset your ceiling fan. Did you know that your ceiling fan operates both clockwise and counterclockwise? Put your fans on the clockwise setting to force warm air that gathers near the ceiling down into your living space. Remember to select the slowest speed as a higher speed will cause a draft.

Consider insulation. Check the insulation in your attic and basement. Is there enough to counteract heat loss? Also remember to insulate those pipes to prevent freezing. Frozen pipes can burst, wreaking havoc on your home and budget.

Chimney sweep – If you have a chimney, prevent fires and carbon monoxide poisoning by hiring a professional to clean your chimney.

Replace batteries – Make sure all smoke and carbon monoxide detectors are working by replacing the batteries and testing them every fall and spring. Heating sources are a leading cause of fire in the winter so keep yourself and your family safe with this small step.

Prepare for emergency. Poor weather can keep you homebound and power outages can create challenges for staying safe and entertained. Stock up non-perishable food supplies and water to last several days. Also keep on hand flashlights, batteries, candles, matches, medicines, pet supplies, gas for the grill and a power bank for cell phones. Don’t forget some board games and books for entertainment as well as salt for the sidewalk, a sturdy snow shovel and gas for the snow blower for digging out after a snowstorm.

Now that you know about preparing your home for winter, do you want to know more about being ready for a snowstorm? Click here for tips from Ready.gov.

VCNB Tools That Save You Time

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Do you ever look at the clock and wonder where the time went? Do you ever look at your bills and wish you didn’t have to spend so much time paying them? Do you ever wish you could cut a couple of errands out of your week? If you answered yes to any of these questions, you need to keep reading.

Since it feels like time is moving faster every day, here at VCNB we work hard to give you tools that will help minimize your banking chores and free up time for things you really want to do. Here are a few ways you can manage your time better through easy banking with VCNB Mobile and VCNBfamily.com.

Direct Deposit
With direct deposit, your paycheck is automatically deposited into the account of your choice. No need to pick up your check at work and make a trip to the bank.  Need cash? Grab cash back at the register or at an ATM. Not near a VCNB ATM? No problem! Now VCNB customers can use MoneyPass, an ATM network that gives customers access to over 32,000 surcharge free ATMs across the country. Click here to visit MoneyPass and find an ATM near you! 

Mobile Deposit
Deposit a check using the bank’s app, VCNB Mobile, and the camera on your mobile device! Intrigued?  Learn more here! 

Online Bill Pay
Online Bill Pay is a hassle free way to manage your monthly bills. You can use it to pay a single bill or you can set up auto pay for a number of bills. You choose the date the bill is paid and the amount you pay and let us take over from there! It also allows you to receive your bills electronically and set up payment reminders to ensure your bills are paid on time.  No stamps or checks required! This is a free service as long as you use it at least once every month but there is a $3 monthly charge for months that you do not use the service.

Auto transfers
Trying to save money for your child’s education or a family vacation? If you have a hard time remembering to save, set up automatic transfers! You choose the amount you save, the account the funds come from, where it goes and when the transfer takes place. Best of all, you can change any of this at any time.

Mobile app
With VCNB Mobile, you’re essentially carrying a banker in your pocket 24 hours a day. Use the app to set up those automatic transfers, to pay bills, view balances, review transactions, deposit checks and more!  Search for VCNB Mobile in the app store on your device. Now you can change your password in the app and can even set it up to log in using Touch ID.

Mobile Payment Options
VCNB offers Google Pay, Apple Pay® and Samsung Pay, allowing customers a secure, easy way to pay on the go with their VCNB debit or credit card. Learn more here!