At Vinton County National Bank, we have spent over 150 years helping customers reach for their dreams. It’s actually our favorite thing to do.
There’s nothing more fulfilling than helping a young person buy their first home, a family take their dream vacation, or to see eyes light up when a customer realizes their dream home is within reach.
But dreams can be lofty and it’s not always easy for individuals to know where to start. That’s ok because we have experienced, proven lenders who not only know where to start but who can also guide you down the road ahead.
There are few dreams bigger than building a house. Most customers have a floor plan, they have a vision of a big kitchen with a farm sink or a living room with just the right spot for the Christmas tree. Few are experienced with choosing a contractor or the hiccups that come with every home built.
We will guide you through this process because your dreams matter to us.
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.
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.
Looking back on 2020, we can say this year has been unlike any other we’ve seen in our 153 year history. This global pandemic has changed the way we do business, how we are entertained, how we interact with loved ones, and in countless other ways.
It has been challenging and scary for many who are suffering economically or because of their health. That’s why we have committed to working with our customers who have struggled due to income loss this year. We also continue supporting our communities in the best way we know how – through volunteerism and monetary donations.
Our employees log hundreds of hours volunteering in their communities every year and have continued to do so when safe this year as well. You’ll find them helping at food pantries, serving on boards and lending a hand at animal shelters. They give blood, are leaders in their churches, visit nursing homes and seek other ways to make a difference.
Our branches have donated nearly $300,000 to causes important to their communities. Those causes come in many forms. We have supported events like the drive-thru Pataskala Cookie Walk, a Chamber event that gave local families a socially distanced and fun way to welcome the holidays.
We bought livestock at county fairs, supporting the age old tradition of 4-H members learning useful skills and responsibility while caring for their animals.
We’ve donated to some big projects too. The Logan Theater project will provide local teens a place to go after school and a place for movies to roll and the arts to come alive in downtown Logan.
Donations were made to high school programs, libraries, and food pantries. In McArthur, we donated care packages of non-perishable food and snacks to be sent home with local kids when schools were closed.
We even gave away $2,020 to a graduating high school senior from each of the counties where we have a branch.
Supporting our local communities and people and the causes important to them is important to us. As we bid farewell to 2020, we look with hope for the new year ahead. From our bank family to yours, we wish you a new year that is happy, healthy and prosperous.
When Charlotte McCarty rings in the new year, she will do so as a retired person. In fact, New Year’s Eve will be her last day on the job after a 26 year career at Vinton County National Bank.
She began her career as a part time teller, a position that grew into a full time job. She has held a few titles including Head Teller, Branch Service Manager and now Branch Manager. Through it all, she has served the customers of our Wilkesville branch where she has gotten to know scores of people who she says she will miss. “I’m looking forward to retiring but I’ll miss the people a lot. We have customers who I’ll miss. Plus we have some wonderful employees who I’ll miss too,” she said.
Charlotte has worked for the bank for 26 years and has spent most of them with coworker Alice Mccloud who just retired last week. “We live close enough we can see each other sometimes but it will be strange not seeing her every day,” Charlotte laughed.
She didn’t intend to get into banking. A friend who worked at VCNB called and asked if she would be interested in the job. “I didn’t know anything about banking and wasn’t sure I could even do the job. But I really enjoyed it when I got the hang of things.
One important part of community banking is building relationships with customers and she is especially good at doing that. “The thing about working in a small community is that you get to know almost everyone and they get to know you. It feels good when someone calls and asks for you. It tells you that you’re doing something right – that you’ve built a relationship with that person and they trust you to take care of them,” she explained.
While she says she will miss those human connections, Charlotte looks forward to having free time for the things she enjoys. “I just like the idea of being able to do what I please, when I want to. It will be nice to get into sewing more or to get in the car and go somewhere. I’m hoping to do some gardening and take better care of my flowers. I always have good intentions in the morning and think of all the things I’ll do when I get home after work but sometimes I’m lucky just to make dinner and do dishes. It’s hard to keep up.”
Her husband Denver has been retired for a few years. “It has been hard to get up and leave home on cold, frosty mornings when he gets to stay home,” she laughed. “Now I can stay in or we can go to Amish Country or something. I was up there a while back and did some fun things but I really loved just driving around a looking at things. I hope to do more of that.”
Charlotte and Denver have two grown children and three grandchildren. Denver pastors the Fairview Church of Christ in Christian Union and the couple have been involved in the church for their entire married life. She has taken on many roles including Sunday School teacher and song leader. She also is a talented seamstress who made over 200 masks early in the pandemic and has made special occasion dresses including her daughter’s wedding gown and all the dresses for the bridal party.
“Sometimes I think I might come to really miss working. I like staying busy and I like the people. This has been a good place to work. I couldn’t have asked for a better place to work all these years but I’m glad that I’ll have more time for me.”
When Jodi Motta talks about her role as a Regional Manager at VCNB, she rarely talks about herself. Instead, she discusses the team she manages, the people who have helped her along the way, and the drive she has to be better every day.
Perhaps that’s why she thrived in the leadership training programs offered by the Community Bankers Association of Ohio (CBAO). Motta recently completed the organization’s Advanced Leadership Development Program. Before that, she completed their Emerging Leader Program as well.
“There are many opportunities to help others and developing people is my passion. My motivation comes from helping others grow,” she said. “Maybe that’s because it’s important to me that I grow every day and because I’ve had so many people help me. Developing others is a true passion.”
Jodi’s path to becoming a successful member of the VCNB family actually began at Kroger where she started as a teenaged bagger. She went to college while working her way up at Kroger until landing in the back office. “Much of the work was similar to teller work. Balancing cashiers, money orders, some supervisory too so it really was good training for my banking career.”
She started as a teller for the Friendly Bremen Banking Center in Bremen in 2000 before making a shift to the Loan Operations Department. Here she learned all the back end processes of banking and worked with experienced employees who were happy to teach her.
She eventually made the shift back to retail to manage our Bremen branch before becoming a Regional Manager in 2009. While VCNB is just her second employer, she says she gained knowledge and was helped by others every single day and that those experiences have helped her become a better leader.
Her most recent accomplishment, graduating the CBAO Advanced Leadership Development Program earlier this month, was a ten month journey along with just a handful of other bankers who represented various departments of banks of all sizes. “Everyone came from different backgrounds and departments and brought a diverse perspective to the conversation,” she said.
Their instructor asked each participant of the elite program to bring live problems for class discussion and for one-on-one coaching sessions. “It was helpful to be coached through real life situations and to see the results,” Jodi explained.
One of her strategies is finding someone’s strengths and passions and to help them use those tools. “A lot of people don’t know their own strengths, they don’t give themselves enough credit and underestimate where they are. If you can help them identify their strengths, help build their confidence, they will grow,” she continued. “It’s a great strategy to use when building your team. When you, as a leader, can identify everyone’s strengths and develop them your team will succeed.“
Jodi admits that she has high expectations for her team but she holds herself to high standards as well. “I never want to feel like I’m not pushing myself to grow and learn new things and to be a better leader. I have high expectations for my team and push them to be better because I know they’re awesome and I know they’re capable.”
She is actually known for reviewing her own performance on each project or even when facilitating a meeting. “Anytime I do something, I like ask myself what I could have done differently. What could I do better next time to get better results? It’s important to always do this because there is always room to improve and grow, to learn from your experiences.”
The Sugar Grove native has been married to her husband Chris for 22 years. They have three children who keep her very busy. “I guess you could say my hobbies involve spending time with my kids and their activities. Marching band, sporting events – those things and spending time with my extended family keeps me busy,” she exclaimed.
Jodi serves on the Lancaster Fairfield County Chamber of Commerce Board and is a board member and Treasurer for Big Brothers Big Sisters of Fairfield County. “That organization is very near and dear to my heart. Anything that has to do with children and developing young minds is important and this organization pairs young people with adults or ‘bigs’ as we call them. Every child deserves to grow up knowing that someone believes in them and sees their potential.”
She is known for encouraging others and for supporting those who wish to work in community banking. “Working in any aspect of community banking is very rewarding. It is a profession that offers a variety of opportunities for career growth and development.”
Perhaps that’s why she rarely meets a colleague without extending the offer to help if they ever need advice or just someone to listen on a bad day. “I like to help people understand their why. Sometimes you don’t know what’s bugging you, you just know you’re having a bad day. Understanding the why can help you work through it. In the bigger picture, knowing your purpose and understanding your why will help you to grow, to succeed and to be better.”
Need to make a quick deposit or get some cash on the go? You probably knew that you can get cash from the ATM but you can also deposit cash and checks at your local VCNB ATM. The ATMs at all of our branches have updated machines with advanced capabilities.
These new machines can read images. That means that the customer can insert cash and checks without an envelope. Just follow instructions on the screen to receive immediate credit for up to $500 per day. The remainder of the balance will be processed and credit will be given next business day if deposited before 2 p.m. and on the second business day if deposited after 2 p.m.
This service gives customers 24 hour access to deposit funds to their accounts without waiting in a drive-thru lane or making an appointment to visit a branch lobby.
While we are cleaning our ATMs, we do encourage customers to take precautions by using hand sanitizer and washing their hands as soon as possible after using the ATM.
We miss seeing our customers in the branches and are happy to serve you through the drive-thru. However, if you need to make an after-hours deposit or if you wish to practice greater social distancing than you find at the drive-thru, please remember that the ATM may be the right option for you.
VCNB was encouraging customers to bank outside the branch long before the pandemic caused people to seek safer ways to handle errands.
We know your time is valuable and we know you can’t always bank during regular business hours. We also want you to do businesses with us in a way that’s convenient and safe. For many, that means using technology on their phone or computer to bank wherever they may be. For some, that means popping by the drive-thru or an ATM to make a deposit or get cash.
Here’s a refresher course on options we offer for banking outside the branch.
Direct Deposit – Payroll, social security and unemployment checks can all be received by direct deposit. Instead of driving to the bank, direct deposit users simply wait for their money to appear in their account on the day they are owed.
VCNB Mobile – You may not realize it but you have the power of a bank lobby in your pocket. Download VCNB Mobile from the app store on your mobile device and do much of your banking from wherever you are. Just log in to your account to transfer funds, pay bills, check balances, and open new accounts. You can also deposit a check using Mobile Deposit. With Mobile Deposit, use the camera on your mobile device to send a photograph of the front and back of your endorsed check. If the check is endorsed properly and the deposit is made correctly, you will receive immediate credit for up to $1,000 per day.
Website – Much like the mobile app, use the website to open accounts, apply for a loan, check balances, pay bills, view statements, set account alerts and more!
ATM – Most VCNB branch ATMs have been upgraded to accept image deposits. The last upgrade is expected to be completed at our East Main Street Lancaster location by December 12. Receive immediate credit for up to $500 in cash and check deposits per day at the ATM. The remainder of the balance will be processed and credit will be given the next business day if deposited before 2 p.m. and the second business day if deposited after 2 p.m.
MoneyPass® – VCNB customers can access a network of over 32,000 surcharge-free ATMs across the nation. Visit www.MoneyPass.com to find a MoneyPass ATM near you!
Of course, we also have a great Customer Service Team waiting to help you via phone and the staff at your local branch will be happy to see you in-person by appointment, to help you via the drive-thru or to chat on the phone or via email!
What’s your favorite way to bank outside the branch? Leave us a note in the comments!
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!
Tis the season of holiday spending and many savvy VCNB customers are ready to reward themselves while giving to others this holiday.
Think about how much money you spend during the holidays.
Maybe you’re buying gifts and stocking stuffers. Maybe you’re sending Christmas cards and need stamps and cards or family photos to share with loved ones. Do you cook special foods for holiday celebrations? Perhaps you leave a gift card for your mail carrier or use the holiday sales as an excuse to spiff up your wardrobe or update some things around the house.
Whatever your spending patterns this time of year, most Americans are spending money and a lot of it.
But our VCNB customers who use our Rewards Checking Account will tell you that they can pay for their purchases from their checking account while accumulating uChoose Rewards® points that can benefit them later.
It’s simple, really.
When you use your Rewards Checking account debit card, you will earn one point for every $3 spent. Use your card 21 or more times per cycle and receive an extra 200 points. You can also accumulate points for using Online Bill Pay, Direct Deposit and Automatic Loan Payments. We will even give you 1,000 points when you open the account and 500 points on your anniversary.
Sign into the uChoose Rewards website to find special offers for online purchases and for in-store purchases with offers you can activate.
The website is also where you manage and redeem your rewards points. Here you’ll find it easy to request cashback or to order gift cards, arrange travel or shop for merchandise.
There are many benefits to using this account but also some important details to remember. First, there is a $7 monthly fee that is waived if you do one of two things – either make 15 or more debit card purchases per statement cycle or maintain a combined relationship of $5,000 or more with VCNB. That would include your personal checking, savings and CD balances.
Most customers find that they are easily using their card fifteen times per month.
Also, you must register your debit card on the uChoose website to begin earning rewards points. Purchases made prior to registering your card cannot be retroactively awarded points so be sure to get that done before you begin spending.
What are you waiting for? You can open this account online or visit any of our branches to have one of our Personal Bankers open it for you. Click here to get started!
Already have Rewards Checking? We would love to hear how you use your Rewards! Comment below and tell us!
Do you have a savings plan for holiday shopping? Are you tired of running up credit card debt every holiday season? There’s no reason to spend months paying down Christmas debt when you can plan and save with a VCNB Christmas Club.
This is an easy way to save money a little at a time throughout the year. Here’s how it works:
You choose the amount you wish to save.
We divide that amount by 26 payments and transfer that amount from your checking or savings account into your Christmas Club savings account every two weeks.
At the end of the Christmas Club term, your savings will be direct deposited in your checking or savings account in mid-October.
It really is as easy as 1-2-3!
We call it a Christmas Club and many customers do use it for Christmas but some use it for other things – for vacation, for big ticket purchases, or even as a way to beef up their emergency fund each year. This is a deposit only account and there is a $20 fee if you choose to close the account early. That means it’s a great way to save money and not touch it until you’ve reached your goal!
Are you ready to get off the holiday debt merry-go-round? Sign up for your Christmas Club today! As a thank you for opening a 2021 VCNB Christmas Club, you will receive a BBQ Gift Bag containing a bottle of Old Canal Smoke House barbeque sauce and a VCNB basting brush. Old Canal Smoke House is a popular Chillicothe based restaurant with a private line of sauce.
What are you waiting for? Contact your local branch or log into your online banking to sign up today. To do it online, select “Online Forms” at the top of the screen. In the next menu, choose “Christmas Club Application.”
Current Christmas Club customers should expect to receive their Christmas Club savings the week of October 12. Christmas Club gifts can be picked up at any of our local branches after October 15.