Small Business Spotlight: Ink My Logo

Posted on March 21, 2018 by vcnbfamily

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!

Hard work, persistence and perseverance have paid off for one local business and its owner. Jennifer Tomlinson, owner and CEO of Ink My Logo, began her promotional items business in the basement of her home in 2009 and now has grown to a storefront showroom in downtown Circleville.

Tomlinson started the business when her employer downsized and eliminated her position. While most thought she was crazy for starting her own business during an economic recession, Tomlinson is nothing short of tenacious. “I wanted to take charge of my own career. I saw a need for a business like mine and I ran with it. I was not afraid; I knew I planned to put my heart and soul into making this work,” Tomlinson said.

Knowing she had a tremendous amount of work ahead of her to make a company successful in the promotional items space, Tomlinson began working with nationally recognized vendor Kaeser and Blair.

She visited local businesses, cold calling decision-makers and handing out business cards at every local event she attended. “I spent the first couple of years stopping into every business in Circleville and surrounding areas. I needed to make a name for myself and I knew the importance of networking. Some of my best referrals today come from people who took a chance on me in the very beginning,” Tomlinson said.

Soon she began to see her hard work paying off in the form of repeat customers. Some businesses began by giving her their company business card orders and quickly realized how easy she is to work with and how little they had to do. “It starts with business cards. Everyone says, ‘okay, I will let you have our company business card order’ and when they see how quickly and easily they are able to accomplish these orders, they come back for their company pens, their apparel, their company awards, and it snowballs from there. I pride myself on providing personalized service that you will not get from an online company. They can call me at any point and I can guide them, give them options, set up the artwork and get them the best prices that are out there,” Tomlinson explained.

It is clear from talking with her she truly wants to do right by her customers.

When business began to pick up in just a few short years, Tomlinson quickly realized she needed to provide more than just the offerings of Kaeser and Blair so she began vetting other vendors and suppliers. Today she works with over one hundred vendors and feels confident she can now provide a robust array of options for every item a company could desire. “If you want hats with your logo on them for an event, or maybe key chains or post-it notes, I have hundreds of options to choose from,” Tomlinson pointed out.

In the midst of her success, Tomlinson faced a very personal set-back. In 2013, she was diagnosed with Stage 3 Breast Cancer and her life was forever changed. “I felt determined to not let cancer slow me down. I had a business to run and customers who were counting on me. It fueled me. I was determined not to let my business falter because of my diagnosis. I was going to fight for my business like I was fighting my cancer, with relentless determination,” Tomlinson said with determination.

During her nearly sixteen weeks of chemotherapy, most of Tomlinson’s clients did not even know she was dealing with such a devastating personal issue. In fact, she was still able to grow her business during that time. Tomlinson looks back with true appreciation in her heart for those that rallied behind her, her customers who knew her struggles and continued to send her business and mostly for her family for getting her through the toughest period of her life. “My husband, Todd, daughter, Morgan and Son, Drew, were my saviors. They would never let me give up on myself or my business,” Tomlinson added.

Tomlinson said it was through the grace of God that she was able to enter remission for her cancer and her business began growing by leaps and bounds. “I was starting to outgrow my own home!” Tomlinson joked. I realized I probably needed to clear out some space and allow my family to start using our basement again.” She began looking for commercial space to house her small business in late 2017. Fortunately for her, a space opened up on West Main St. in her hometown of Circleville shortly after she began looking.

On March 1, 2018, after extensive renovations, Tomlinson opened her first showroom for Ink My Logo.

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The showroom has an industrial flair, paying homage to trendy stores you would see in Chicago or New York City. The floors are the original hardwood, restored to showcase their beauty. The walls are exposed brick and the ceilings are incredibly high, opening up the space to natural light.

With beautiful shelving to display her array of promotional items and neat industrial pipes used to hang apparel, Tomlinson’s showroom is a sight to be seen. “I wanted a space that felt inviting and a place that my customers could come in, browse around and sit down with me in person. I was getting to the point where I was having a lot of meetings at my kitchen table. It didn’t feel quite right.” Tomlinson said.

The showroom, located at 149 West Main Street in Circleville, is open Tuesdays and Thursdays and is available by appointment Monday, Wednesday and Friday. To learn more about Ink My Logo, follow them on Facebook or visit their website.

Ink My Logo will celebrate its Grand Opening and Ribbon Cutting on Thursday, March 29 at 11a.m.

Best of all, Tomlinson will be cancer-free for five years this September!

How to Tell You’re Ready to Buy a House

Posted on March 17, 2018 by vcnbfamily

Making the decision to become a homeowner is emotionally and financially complex. Here are some key things to ask yourself if you’re considering whether buying is right for you.

Do you have a good reason to buy?
Sometimes switching from renting to buying is a no-brainer. Maybe you live in a modern one-bedroom apartment in a chic part of town, but you have a baby on the way. If you want a place in a good school district, with more square footage and a yard, buying may well be your best bet.

Other times, the urge to buy is driven by emotion: You see a house you like and you “just know.” There’s nothing wrong with that reaction, but take time to check out the property before you make any commitments. If it’s too far from work, near a noisy road or the best house on a bad block, it may not be as good a deal as it first appears.

And remember: Houses go on the market all the time, and there are tens of millions of single-family homes and condos in the U.S. So there’s no need to worry if your first choice doesn’t work out; your home is out there.

Can you make the upfront investment?
Buying a home requires an initial investment that you can’t ignore.

First, many lenders require a down payment of 20% of the home price. That’s $40,000 for a home that costs $200,000, about the median price in America. You’ll also owe closing costs, which could include loan-origination fees, discount points, appraisal fees, survey fees, underwriting fees, title search fees, and title insurance. Those could total another few thousand dollars.

The expenses don’t end there. You’ll want to hire an independent inspector to look for defects in a home before you buy. This will cost several hundred dollars, but could save you thousands in repairs. And then there are moving costs, state or city taxes, utilities installation and the costs of changes you might want to make to the home — such as new flooring or painting — that are easiest to do while it’s empty.

This isn’t meant to scare you off; buying a home is still a smart choice for many people, despite the costs. But it does take a lot of cash.

Can you afford the upkeep?
Your mortgage payment might be fixed for the next 30 years, but your property taxes and insurance rates can rise. And if you didn’t make a 20% down payment, you’ll have to buy private mortgage insurance, or PMI, until you have 20% equity in your home. It costs about $165 per month on a $200,000 loan.

Once you’re a homeowner, you’ll also have to pay certain utility bills that might have been included in your rent. And you’ll be responsible for maintenance: double-pane windows one year, a new garage door the next, fixes to the roof five years up the road. It adds up.

These numbers are based on averages. Plug your specific figures into a rent-or-buy calculator to find out if you’re ready for homeownership. And know that there is no one answer that’s right for everybody. Whether you keep renting or buy, your decision should be right for you alone.

Four Reasons to Buy a Home Instead of Renting

Posted on March 14, 2018 by vcnbfamily

The financial benefits of buying a home compared with renting have yoyoed over the years, especially of late. If you’re sitting on the fence, here are four circumstances in which it may be a better bet to buy.

If interest rates remain low
From a financing perspective, if this isn’t the best time to buy a house, it’s pretty darn close.

The average interest rate on a 30-year fixed mortgage, the most common variety, has hovered below or near 4% for several months now. For comparison’s sake, if you bought 10 years ago, the average interest rate was 6.41%. In 1996, it was 7.81%, and in 1981 it was a whopping 16.63%.

Although the Federal Reserve has begun to inchrates upward, it is likely that it will do so slowly and that it will be a while before the cost of borrowing to buy a home stops being historically low.

If home prices level off
Home prices rose steadily in the 1970s, ’80s, ’90s and 2000s before plunging around 2007, and in the past few years they have been climbing again. Different markets have seen different trends, of course, but generally what’s at play is supply and demand: More potential buyers than houses available means sellers can dictate terms and get top dollar.

But something interesting is happening: The oft-told story that millennials are renting for longer or living with their parents nowadays is not entirely accurate. No, people in this age group (born between 1981 and 1997) want very much to own a home, but they are putting it off because of real and imagined difficulties in affording it.

That could mean fewer potential buyers and a cooling of the upward surge in home prices. While others wait, you could pounce.

If rental costs continue rising
Real estate researcher Reis Inc. reports that apartment rents rose 4.6% in 2015. In hot housing markets such as California and the Pacific Northwest, rents are going up by about 14% per year. According to Zillow, the median asking price nationwide for a rental was $1,575 per month in early 2016.

The monthly payment on a $200,000 mortgage — about the average in the U.S. — with a 4% interest rate would be just over $950. Even with taxes, insurance and maintenance, it’s tough to make a financial case in favor of renting.

If you want to save money
Home values over the past 70 years have generally tracked with inflation. Yes, you could make more money in the stock market. But we’re talking real life, not investment advice. Consider two things:

Your rent is locked in for a year or two, then will go up. Your mortgage payment can be the same for 30 years.
If you are raising a family, it seems all but impossible to save money. But when you sell the house after 30 years (or 20 or 10), someone will hand you hundreds of thousands of dollars, money that could put the kids through college or finance your retirement.

Pickaway County Banking Center Donates $25,000 to Circleville City Schools

Posted on March 9, 2018 by vcnbfamily

Circleville Schools Donation (PCBC) 3-18

Pictured, from left, are Branch Manager Jessica Calder, Junior Sarah Moats, Senior Meghan Brooks, Junior Abigail Keaton and Vinton County National Bank Senior Vice President Jodi Motta.

The staff at our Pickaway County Banking Center was thrilled this week to donate $25,000 to the Circleville City Schools for a facilities expansion of their campus softball complex. Since becoming a part of the Pickaway County community in 2014, bank leaders have sought meaningful and lasting ways to contribute to the betterment of Circleville and Pickaway County. Investing in this sports complex will have a long lasting impact for scores of future student athletes in Circleville.

“We invest in the communities we serve,” said Branch Manager Jessica Calder. “That is one of our core values and something we live by each and every day as an organization and as individual employees. Schools are the foundation of our communities and therefore we know that an investment in Circleville City Schools is money well spent,” she said.

The funds will help with the completion of a new softball complex that will include four fields and a building to house concessions and bathrooms. It will be used by high school and middle school teams.

“Time and time again this community has stepped up to help us provide a high quality educational experience, in high quality facilities, for our greatest asset, our students,” said School Superintendent Jonathan Davis. “The Pickaway County Banking Center’s substantial donation is an endearing continuation of such community commitment to our students and I cannot thank them enough for their investment in our Tigers,” Davis said.

The Pickaway County Banking Center is located at 120 S. Court St. in downtown Circleville and recently underwent renovations to beautify the bank’s façade.

Why Teens Need a Checking Account

Posted on February 21, 2018 by vcnbfamily

VCNB began offering a student checking account a few years ago in response to a growing number of teens and parents who requested it. There is significant value to a teenager having an age appropriate checking account and we are optimistic that this generation of teens will be more financially savvy because of it.

After all, a teen will be an adult in a few short years. Whether they are headed straight to the workforce or to higher education, your teen soon will experience some degree of independence. Helping them establish good money habits at a young age is an important way to give them a good start to adulthood.

Here’s some food for thought:

Expense tracking and budgeting
Having a checking account teaches teenagers the very basic of skill of not spending more than they have as well as how to record expenses and debits. In general, it helps them develop budgeting skills they will use for a lifetime.

Independence, good habits and financial responsibility
As a parent, you have spent years managing every aspect of your child’s life. While you may not like to think about it, soon your teen will be an adult who needs to make responsible decisions. Independence starts in the teen years and helping them make sound decisions with their money is part of preparing them for adulthood. Habits are created every day – work with them and use a checking account to teach them good ones

Safer than cash
We notice that many of our student checking accounts are opened by teens who are going on school field trips, sometimes out of country. It’s far safer to travel distances or even just around town with a debit card than with a pocketful of cash.

Check out this link to learn more about Student Checking My Way at VCNB. You’ll find this account listed under the Checking Accounts tab.

VCNB Introduces Improvements To Mobile App

Posted on February 20, 2018 by vcnbfamily

We are pretty excited to tell our customers about some new updates to our mobile app, VCNB Mobile! We’re always on the lookout for things that will improve the app experience for our customers and we think you’ll be pleased. Here’s a summary:

Add a bill payee – You asked and we answered! Now you can add a new payee to Online Bill Pay from the app and not just from the website! Just go to the Payments tab and select Manage Contacts to get started.

Digitize paper bills – Use the camera on your device to take a picture of your paper bill. The app will read the bill’s details from the image so you don’t need to type a word. You can pay the bill now or add it to your To Do list so you can pay it later!

Request money using Popmoney® personal payment service – If someone owes you money, all you need is their email address or mobile phone number to request the amount owed. You can even include a message reminding them what it’s for! The funds they send will be deposited into your VCNB account.

As always, you can use VCNB Mobile to open an account, change your password, transfer funds between VCNB accounts, deposit checks and more! You can even view your balances via Instant Balance without actually logging in to the app.

In case you missed it, you can also use the app to control how, when and where your debit card is used. Click the More tab and then Cards to set spending limits including by type of merchant, geographic location and how much your card can be used for in a single transaction. You can even turn your card on and off at will, ensuring that only you can use your card when you are ready to use it!

What are you waiting for? Log into to VCNB Mobile today to try out all these changes!

Small Business Spotlight: The Canal Wigwam

Posted on January 30, 2018 by vcnbfamily

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!

Canal Wigwam has long been a fixture in downtown Canal Winchester.

After celebrating our own 150^th anniversary last year, we wanted our first Business Spotlight of 2018 to feature a business with its own rich history and we didn’t have to look far. Originally opened in 1899, The Canal Wigwam is known throughout the region as the perfect gathering place for locals and visitors in Canal Winchester. But its century-plus old history has not been without a hitch; a fire in 2014 threatened the existence of our beloved local business.

Owners Mark and Angela Savino purchased Canal Wigwam in 2011, very quickly after learning the business was going up for sale. Mark had been looking for a business opportunity in the Central Ohio food industry, and the timing couldn’t have been any better. With his familiarity of the industry, passion for food, and the assistance of our Canal Banking Center, Mark jumped on the opportunity almost immediately. “I heard about it going up for sale in February (2011), and we actually closed on June 1, 2011!” Mark said with a smile.

Mark grew up in the food business – his grandfather owned a grocery store in western Ohio, which Mark, his father and family continued and evolved through the years. Mark eventually came to Canal Winchester in the banking industry but he always had his eye on getting back into the industry in which he worked with his family. The Canal Wigwam opportunity was too good to pass up and it seemed to be smooth sailing once taking ownership.

That was, until Friday, December 5, 2014. A fire started in the wiring in the ceiling while a packed house enjoyed their food, friends, and conversation. Mark recounts “It was serious. We had to go. We did what we could, but it was time to get out.” The fire was severe enough to warrant a shut down lasting nearly eight months. It was devastating to the business and the community alike. Especially considering the timing.

The restaurant hosts a Christmas party for employees every year!

“It was Christmas time, obviously.” Mark recalls. “And Canal Wigwam had a large catering event that very night. We had to buy all new inventory and supplies – serving dishes, food, you name it.” And, in a true show of support, the City of Canal Winchester granted Mark’s crew permission to use the Community Center kitchen to cook and prepare for this event, which unbelievably, given the events of the day was a success.

But that wasn’t the only event impacted. Mark and Angela annually throw a Christmas party in the restaurant for the employees. Now they had this event to worry about in addition to the status of the business and general well-being of the employees.

“The impact on the employees was significant, and it was important to continue the Christmas gathering so that we could come together and laugh despite the tragedy” explained Mark. Again, working with the City of Canal Winchester, the Christmas party was moved to the Community Center. Because the community was also affected by the fire, Mark and Angela extended an open invitation to join in the festivities.

Everyone associated with the restaurant was overwhelmed by the support they were shown. The Community Center was filled with friends and enough food to feed a City, as all brought a treat to share. Canal Winchester Human Services provided Christmas baskets to all of the employees. A GoFundMe account was set up by a customer, and an account was set up at our Canal Banking Center strictly for Canal Wigwam staff support. By February, that account had reached over $9,000! “The support we were shown was unbelievable. Everyone who works at the Canal Wigwam think of our customers as family, and clearly the community mirrored the sentiment. All who responded were incredibly generous and kind. The response was humbling and healing, and continues to have an impact on me and Angela.”

The rebuild was not easy. Facing multiple difficulties in construction and coding updates, insurance, ownership, etc., the project took longer than expected. Mark continued to press on, eventually working toward gaining ownership of the building. After months of delay, Brocon Construction was hired to finish the physical repair and rebuild project. Finally, the project began to gain traction, and was essentially finished about seven weeks after beginning. Mark was thrilled, crediting Brocon President, Bud Bropst, who “kept things on track with a dedicated and qualified staff and weekly project meetings.”

Raised ceilings, updated lighting, revamped bathrooms and updated equipment are just some of the physical improvements. Staff updates were also needed. Seven months-plus was a long time to be without work, and there were employees that had found good jobs elsewhere. While Mark hated losing them, he was happy to see them land on their feet.

After time spent learning the new equipment and adjusting everything within the diner to their liking, it was time for a grand re-opening on July 31, 2015. It was a tremendous success. “We were swamped! And we stayed swamped for two months straight!” Mark recalls. “The community support during and after has been awesome!”

Since the re-opening, business is up dramatically. Canal Wigwam employs about eighteen employees, its catering business is continually increasing, and the diner continues to serve up incredibly delicious, simple, affordable meals for breakfast and lunch daily, and dinner on Fridays.

Have breakfast and lunch at the Wigwam most days but enjoy dinner on Friday night!

A visitor recently stopped Mark to shake his hand in the middle of the restaurant one afternoon. “I assume you’re the owner? I see you here all the time…” the gentleman started. “I just want to commend you for the way you run your business. You don’t know me, but I came across town, across the county to eat here and I wanted to tell you this. You don’t cut corners. Everything you serve is top notch – from the potatoes on down. I just wanted to tell you that I appreciate that. You don’t cut corners and I know it’s hard to run a small business. I wanted you to know that.”
“Thank you. My father would kill me if I didn’t do it right!” Mark responded with a smile.

In 2001, 102 years after their original opening, it was written that “Canal Winchester just wouldn’t be the same without the Wigwam Restaurant.” Another seventeen years later, and the statement is still so very true. Canal Wigwam is an icon in this tight knit Central Ohio community, and we’re thrilled to have their business!

Like Canal Wigwam on Facebook, or for a full menu, contact information or for more on the history of Canal Wigwam, visit http://www.canalwigwam.com/.

Advice From The Experts: American Heritage Homes Talks Construction

Posted on January 23, 2018 by vcnbfamily

Amercan Heritage exterior

Building a home is the biggest investment most people will ever make. Over the years, VCNB has helped scores of customers finance their new home projects and our lenders have noted that the same types of questions frequently pop up during home construction projects.

That’s why VCNB sat down for a long chat with Teri Robison, Sales and Design Representative with American Heritage Homes. Teri shared with us some of the things she wishes people knew when they are thinking about a home construction project. And Teri should know. American Heritage Homes is an established leader in the custom home business in central Ohio. Designer Gary Libertini and longtime carpenter Bill Crum opened the business in 1995. Today Gary is in charge of the Sales Team and Product Development while Bill runs the Production side of the business. Together they have built a business that can literally guide the client from A to Z, from locating land to turning the key.

It is Teri’s job to guide the customer through this process and to help make it go as smoothly as possible. She insists that trust is the number one factor in making this process less stressful. “Stress is what makes it intimidating to so many. That’s why you have to choose a builder who you trust. If I do my job right, you will be more confident,” she explained. “You will work with us a lot. It’s important that you trust us so if you don’t like something, I want you to tell me so that I can take care of it for you.”

When you meet with American Heritage, be prepared to talk. Teri suggested that when someone is ready to build, they typically have been thinking about it for some time. “You’ve been thinking about it, dreaming about it. They have researched, they have a Pinterest Board, they have a lot of ideas and dreams already” she said.

“You need to come in and sit with me. Talk to me. We’ll talk about kids and animals and how they live. Are their kids in soccer every night and there’s not a lot of time to cook big meals? Do the kids sit at the counter and do their homework while mom cooks? How do they live in their house? Is this a forever home or a stepping stone? That’s what I want to know,” Teri added.

If you do not have land or a location in mind, American Heritage can help you with this piece. First they will discuss how much land you want and where you wish to be. Then they can help you narrow down the options and ultimately find the land that is right for you and your budget. “Are you looking for ten acres with a pond and woods? Maybe you don’t care about the land but want a big house close to town. Knowing how you live and how you want to live is key,” she said.

With the land in check, Teri can begin guiding you through designing your home on paper. She says that a good builder will have a lot of questions about how you will live in your home. “I don’t want to just sell you any house. I want to build for you the home you want and need. My job is to disseminate the difference between what you think you want and what you really want,” she said.

“We will talk a lot because I want to understand you and I want to help you see what’s really important in your home. Where do you live in your house? Is the kitchen the heart of your home? Do you spend all your time in the living room or den or do you want your master bedroom to be a sanctuary? Do you soak in a tub? Would you prefer a big, luxurious shower? These are things we need to know to get started on your design,” Teri noted.

She recommends coming to your builder with a floor plan in mind first. “Don’t worry about what the house will look like. First we need to talk about how it will flow, how your home will work for you,” she said.

But before you ever begin designing your new home, Teri recommends shopping builders and considering a few key points:

Customer Service – when you visit a model home, how are you treated? Are they friendly? Do you feel pressured? Do they ignore you? Teri points out that you can tell a lot about a builder’s customer service by how they treat you on this first meeting. If you are uncomfortable or if you feel undervalued as a potential customer, these are red flags.

Stress Management – This is a huge investment and there’s always going to be stress where money is involved. However, Teri says that it is her job to make sure you do not feel that stress.

Better Business Bureau – Teri admits that most businesses will have a claim with the Better Business Bureau. The question is, how do they address the claim? Are there repetitive claims for the same issues?

Read The Specs – Pay attention to the specs of a builder’s plan. Teri advises looking at even the smallest details from the quality of the plumbing fixtures to the type of doors they use. For example, American Heritage fills garages and porches with gravel to provide greater support and stability for the concrete being poured on top. Other builders often just use dirt which settles more easily than gravel. Also, a base plan with American Heritage includes about forty percent more cabinets than other builders provide. Teri said they maximize available spaces for additional storage space in closets and cabinets. She emphasized the need to examine these specific items in the quotes rather than just the price per square foot which can sometimes be deceiving.

Trust Your Gut – Go with the company that makes you feel calm, the one you think you can trust. “Trust is the most important thing. I cannot stress enough that you have to trust your builder to have the best possible experience,” Teri said.

Learn more about American Heritage and even view sample home plans by visiting them online. Follow them on Facebook or visit their model home at 11143 US. 23 South, Lockbourne, Ohio.

Savings Tips From Saver Squirrel

Posted on January 17, 2018 by vcnbfamily

OLYMPUS DIGITAL CAMERA Our friend Saver Squirrel loves to “squirrel away” cash and is always excited to talk to other savers about their habits. Today, he’s offering some advice to anyone trying to get started with their savings goals!

Open a savings account: Saver says it is important to keep your savings separate from the money you use for paying monthly bills and daily expenses. Keep it safe from temptation and put it in a savings account. At VCNB, we offer a Passbook Savings Account that gives you online access to your funds. Read more about Passbook Savings Accounts to learn about minimum balances and how to access your money.

Automate, automate, automate: Schedule automatic transfers to your new savings. This makes it like any other bill you would pay and removes the burden of remembering to do it. With the online access you receive when you open a Passbook Savings, it’s easy as pie to schedule a regular transfer from your VCNB checking to your savings.

Start small: Saver likes to say that every acorn counts! Start saving what you can spare. Just $10 a week will add up so don’t be embarrassed if this is where you have to start. Saver has found that the more he saves, the more he wants to save. He thinks when you see your own savings start to add up, you may be inspired to stash away more.

Make it a game: If you have a little more to spare, make it a game. Some folks save every $5 bill they get. Others toss their change in a jar every day. Someone told Saver the other day that when they are tempted to buy something they don’t need, instead they skip the purchase and transfer the funds into their savings account. Save a dollar a day or find a fun savings chart to follow. Pinterest is a great source for this kind of inspiration.

Keep a goal in mind: Saving money for the sake of having it doesn’t always inspire us to stick to make spending cuts or to even stick to a plan. That’s why it’s important to know why you’re saving. Most Americans don’t have an emergency fund. Maybe you want to save money so you’re prepared the next time Murphy’s Law comes knocking and an appliance breaks or you get sick. If you are planning a big vacation or saving for a house payment, keep visual reminders around or stop and think about how nice it will feel to take your family on that summer vacation.

Track your progress: Saver thinks that the best way to stay focused is to assess progress. He recommends checking your account online periodically to see the dollars add up. Better yet, keep a chart on the refrigerator or a spreadsheet with your budget so you can celebrate your successes!!

While saving comes naturally to Saver Squirrel, it’s not so easy for everyone. Start small, make it easy on yourself and celebrate your accomplishments! Before you know it, you’ll have some cushion in the bank and you’ll be on your way to being just like Saver Squirrel!

Looking Back On Our 150th

Posted on December 20, 2017 by vcnbfamily

This has been a big year here at VCNB as we have been celebrating our 150^th anniversary. We did this through a variety of means including events and sponsorships throughout the eight counties we call home. We’ve celebrated our entire 150 year history with a museum in our McArthur office and focused on our post-Civil War birth with big events over the 4^th of July weekend in Vinton County.

However, 2017 hasn’t been just a year of living in the past. It has also been a year of reflection for the employees and Directors of Vinton County National Bank. We have spent 2017 working on a plan for the years ahead and have been contemplating the bank we want to be, the bank our customers need us to be for the next 150 years.

We opened a new banking center in Jackson this year and continue to focus efforts on improving our mobile and online services to make banking with VCNB simpler and better. We have developed many plans to make VCNB a better place to work and a better place to do business as well.

If you are a VCNB customer, we thank you for your business. If you are not a customer, we ask that you give us a chance to become your bank. We have been successful these 150 years because of our customers and because of the fine communities where we do business. We would love to bring you into our bank family as well.

We’re about to turn the page on the calendar to a new month, a new year and to countless opportunities to grow this bank and to help our customers realize their dreams. What’s the old quote?

“Shoot for the moon. Even if you miss, you’ll land among stars!”

Thanks to all of you for supporting Vinton County National Bank and for allowing us the privilege to be your bank. Together, we’ll shoot for that moon!

VCNB Family

Our Family Serving Your Family Since 1867

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