Peace, Love and Points Offer Ends Soon

Peace, Love & Points - FBBC (Nauman Digital)

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

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

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

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

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

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

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

Have You Tried Rewards Checking?

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

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

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

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

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

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

Learn more about Rewards Checking by visiting our website.

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

Turn The Key On Your New Home

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Ready to turn the key on your new home?

Since 1867 we have been helping countless individuals and families reach their goal of home ownership. Whether you’re building your dream home or buying your starter home, our experienced lenders are knowledgeable and ready to help.

What are you waiting for? Click here to prequalify online!  

We also welcome you to visit one of our offices to meet with a lender or call your local office to get started. Member FDIC.  Equal Housing Lender.

Banking For College Students

If you’re headed off to college this fall, you’ve probably signed up for your classes, picked up supplies for your dorm room and are packing up to leave soon. But have you thought about how to manage your money or how to get money from home?

Electronic banking has done wonders for us all, making it easier to manage our money and even to receive money from others. Here are some VCNB products that will make your financial life better:

Checking Account
Everyone needs a checking account. Even if you don’t have a job or a lot of money to manage, a checking account is the best way to handle the funds you have. A Checking My Way or Rewards Checking account are great options for most young adults. Click here and select “Checking Accounts” to learn about these accounts and to open online!

VCNB Mobile/Online Banking
teenager laptop cell phone headphones.jpgYou may be far from home but we offer two convenient tools for accessing your money 24/7 from anywhere your smartphone or computer works. Login to your accounts at www.VCNBfamily.com or with VCNB Mobile, our easy to use mobile app. Here you can check balances, transfer funds, pay bills and a deposit a check with Mobile Deposit. You can also access Popmoney® personal payment service. Not sure what all this means? Keep reading. We’ll explain!

Transfers
With online and mobile banking, you can transfer funds between your accounts. Say you saved all your graduation cash in your savings account but need some to buy a textbook or pay for a movie ticket. You can easily and quickly transfer the funds into the account where you need them. It’s easy and a free service.

Account Alerts
Since this is your first time managing money on your own, it’s a good idea to keep a sharp eye on what you’re doing. You can set up account alerts to tell you when your balance falls below a certain amount of money, when your debit card has been used to make a purchase and when a deposit is made to your account among other things. There are nineteen different types of account alerts,  each of which can be sent via text or email free of charge.

Popmoney
Popmoney® personal payment service allows you to securely send and receive money quickly, using just the recipient’s email or mobile phone number and your own VCNB checking or savings account. A lot of our customers use it to pay back friends and family or to send gifts. We also have many parents and grandparents who use it to send money to their college students who are always grateful for the extra cash! There is a fee of .50 per transaction and you can learn more about it here.

Reloadable Card
A Reloadable Mastercard© is a good option for those who do not qualify for a traditional checking or who don’t want one for fear of accidental overdraft. This card is accepted anywhere that takes Mastercard but is loaded for a specific amount of money. Once it’s spent, it’s gone and there is no risk of overdrawing an account. Funds can be directed deposited or be added as you wish. Reloadable cards are great for college students as parents are able to deposit money as needed. You must be 18 years of age to purchase and there is a $5.99 purchase fee and other fees related to reloading and maintaining this card. Click here for complete details including fees.

At VCNB we are excited to see young people venture out on their own and will be glad to help you get started by answering questions and setting you up with VCNB accounts and other products. Give us a call or stop by our office to talk to an experienced account representative today!

 

 

Community Spotlight: Fairfield Area Humane Society

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The Fairfield Area Humane Society is always in need of volunteers and donations including the items pictured outside their building. VCNB employees from our Friendly Bremen Banking Centers donated supplies during a recent facility tour.

If you want to find a group of people whose work is a true labor of love, stop by the Fairfield Area Humane Society and take a look around. This tight-knit community of employees and volunteers is dedicated to protecting the rights of animals and helping them find permanent, loving homes. It grows every year, adding services that help pet owners and growing adoption services to help neglected and abused animals. Much of that work happens because the community supports the cause they champion every day.

“Everything we do is possible with help from the community!” exclaimed Corey Schoonover, Executive Director at the Fairfield Area Humane Society.  “We’ve got seven employees, and some great volunteers.”

Though some may only view the facility as simply a place to drop off or adopt an animal and others consider it similar to a retail pet store, it’s important to realize that there is much more happening than meets the eye. “You could look at that part as retail, but it’s retail with a heartbeat.  And this is so much more.  For those unfamiliar, we do an amazing amount of work.”

Here’s just a portion of services that Fairfield Area Humane Society offers:

  • A monthly spay/neuter clinic (partnering with The RASCAL Unit)
  • Quarterly vaccine clinic
  • Flea treatments
  • Stray cat Trap-Neuter-Return services (which has grown to service over 1,500 cats in the last two years alone)
  • Investigations on animal cruelty complaints (which was solely responsible for over 30,000 miles traveled in 2015).

All of these activities occur in addition to the well-known adoption services, which grew to over 800 animals last year. “Adoptees come from all around, not just Fairfield County.  All over Ohio, from Columbus to Toledo to Cincinnati.  We’ve even had adoptions from the Northeast US, like Conneticut!” Corey explained.

Along with growing adoptions and services, the facility continues to grow. For example, in late 2014, the Humane Society constructed a new dog park, dramatically increasing the traffic coming in the facility’s front door and providing a much needed service to pet owners. “It’s become a great marketing tool for us.” Corey said.  “We used to have five, six visitors a day coming in.  But just in the last ten minutes, we’ve had four.  And the park isn’t just here for the new pet owners that come in, but for current pet owners.  Sometimes we’ll hear someone say they have to give up their animal because they moved into smaller living arrangements or because they just don’t have enough room to play.  But we hate to see that as their solution.  So this is a solution for those in that situation too,” he added.

Another important new addition to the grounds is the Barney Wears Memorial Building, a newly erected quarantine facility located behind the main building.  It officially opened on April 1 and provides space for new animals to be inspected and reside while being administered proper medications.  Animals that are too young to be adopted or those from animal cruelty cases may be housed here for a period of time as well.  In fact, 32 cats were just placed in the new building from one seizure in the last week.

“The costs for the services we offer continue to rise and have increased by nearly four times in the last six years.  And our facilities have been improved and expanded,” Corey said noting that the staff and payroll have not increased.  “So it’s really the great community support we have that has allowed us to expand our services and facilities.”

“One of our goals is that our adoption fees recoup the cost of the medical bills.  We’d love it to work out that way, but it doesn’t.  The costs are enormous.  But the ultimate goal is doing what’s best for the animal and keeping them in good homes, and unfortunately it isn’t free.  We’re so thankful for the support,” he added.

Volunteers are not only accepted, they are encouraged as they play a key role in the generous community support that Corey praises.   That’s why VCNB employees consistently donate their time to this non-profit, and even serve or have served on their board. In fact, Corey and his staff hosted nearly 20 of our employees on a sunny Wednesday morning to share a little bit about what they do. They also shared how the Friendly Bremen Banking Center and VCNB financial family have been instrumental in their growth.

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While touring the facility, our employees donated items on the Humane Society’s list of critical need, which includes things not generally considered top-of-mind when donating to an animal shelter or humane society.  These items included paper towels, bleach and HE laundry detergent, dish soap, hand sanitizer, Pine-Sol and kitty litter.

The work for this staff of seven goes far beyond working directly with the animals and is clearly a labor of love. In fact, you’ll often see the Humane Society crew out and about around Fairfield County, sharing information and drumming up membership and support.  In one week in July, they were on hand at the Lancaster Festival’s Art Walk and Festival Fair Day, hosting the aforementioned group of VCNB employees, doing interviews, and filming TV segments for a television station in Central Ohio.

This week, they will host their annual WOOFSTOCK event at the Fairfield County Fairgrounds.  This two day event features a family fun and adoption event on Saturday, August 6 from 11am-8pm. The public is encouraged to attend and the day will feature fun for all ages, including live music, inflatables, laser tag, raffles, food and craft vendors, and wiener dog races.  Most importantly, adoptable dogs needing homes will be on hand.  On Sunday, August 7 from 11am-4pm, they’re hosting day two of Woofstock, which is a low cost vaccination clinic featuring $10 vaccines, $15 micro-chips, $5 nail trims, and $10 dog baths.

To find out more about the Fairfield Area Humane Society, Woofstock, visit them online at www.fairhumane.org or visit them on Facebook. Here you’ll also find pictures of pets available for adoption.

Click here to learn how you can help including information on  or more information on membership or volunteering.

Pack An Extra Form Of Payment

If you’re planning a vacation this summer, you’re probably eager to pack your bags and hit the road. But before you go, there’s one more thing to pack – one or two extra forms of payment.

We know that you love your plastic and we swipe our debit and credit cards more today than ever before.  After all, it’s quick and easy, it’s safer than carrying a lot of cash and, if you’re a VCNB customer using Rewards Checking or our Platinum Visa© Card, you earn UChoose® Rewards Points on purchases.

PrintUnfortunately, plastic is not always foolproof. While most businesses accept credit and debit cards, some mom and pop establishments, festivals and farmer’s markets are not equipped to do so. Also, technology is imperfect and occasionally even major retailers experience a hiccup that prevents them from accepting cards.

Also, with the increased use in debit and credit card usage has come an increase in the amount of fraudulent activity related to cards. That’s why we have a great Fraud Department here at VCNB to monitor your activity round the clock. If we see something that is clearly fraudulent or that looks suspicious, we will place restrictions on your card and then give you a call to confirm that you are actually making those purchases. This is meant to protect you and your money but can sometimes cause an inconvenience for the customer.

We occasionally have customers who are on vacation, spending outside their regular pattern of activity, who will be flagged by the Fraud Department. If you can confirm that it’s really you spending your money, the restrictions will be released and you can go about your vacation. If it’s not you, we will shut down your card to prevent future fraudulent activity and take actions to get you a new card. If that’s the case, you will need another way to pay.

There are many options for a second or third form of payment. If you plan to pay primarily with debit, take along a credit card and some cash too. If your primary payment is going to be credit, a second credit or debit card and some cash might come in handy.

Here at VCNB, we offer credit cards as well as a Reloadable Travel Card. You can use it to make purchases anywhere worldwide that Mastercard© is accepted. It costs $5.99 to purchase but we are waving this fee through the end of July. The Travel Card and other reloadable/gift cards are available in any VCNB branch. Click here to learn more. 

And, of course, cash is still accepted almost everywhere.

By the way, if you’re planning to travel, take a minute and give us a call. If we know you’re out of state or out of the country, you’ll be less likely to experience a disruption in service. Also be sure to give us your mobile phone number. If our Fraud Department does need to reach you, you don’t want them calling your home when your card is being rejected in a restaurant far from home.

 

 

 

Small Business Spotlight: Loose Rail Brewing

Being a small business owner is a tough job. That’s why we spotlight a different business each month to help you learn about unique businesses in your own back yard.

Loose Rail - LogoThere’s a new business coming to Canal Winchester that has been generating excitement since it was announced last year. That’s when we learned the number one craft beer maker in the United Kingdom will construct its USA headquarters in Canal Winchester. While Brewdog’s new 40-acre campus is a few months from opening, we thought craft beer aficionados and small business enthusiasts would enjoy learning about another much anticipated local brewery prepping to open in the heart of Canal Winchester.

Nathan and Kelley Doerfler, owners of the Canal Winchester landmark Harvest Moon Craft Kitchen and the Garden Herb Shop, originally intended to expand Harvest Moon to a second location but plans changed when another opportunity presented itself. Approximately 18 months ago, the plans shifted toward building a brewery. In a whirlwind time period for the couple and with help from the Canal Banking Center, the perfect location – a former power substation for a rail line that ran until the early 1900s – was targeted and purchased.

Joined by business partners Jonathan Woodruff and Dennis Smalley, the newly minted “Loose Rail Brewing” operation began to take form. The building is located just walking distance from Harvest Moon in downtown Canal Winchester.  What this means for the brewery is that while they won’t have a full kitchen and menu  in the beginning, they will offer a food shuttle service from the Harvest Moon for limited menu items.

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Loose Rail will be a seven barrel brew house, with four fermenters, a taproom, a patio, a bar, and first and second floor seating.  Five beer recipes are being brewed – the craft brew standard India Pale Ale, a Session IPA, an Amber, a Pilsner, and a Stout.  Nathan said it was important to offer something for everyone.  Loose Rail hopes to separate itself by being created as a family-friendly space, in which families large and small can stop in to listen to live music on the weekends, host gatherings, and bring food in to sit outside on the patio to enjoy an evening open-air dining.

The excitement is growing and the promotion of the brewery is well underway.  Buzz is growing on social media and merchandise and apparel are being printed and sold at Harvest Moon.  They’ve already been featured in Columbus CEO magazine, The Dispatch, Columbus Underground, and Columbus Business Monthly.  They also are being added to various Ohio beer trail maps and look forward to bridging the gap between Central Ohio breweries and the growing craft brew hotbed that is Southern and Southeastern Ohio.

The old railroad building at 37 Waterloo Street is really starting to take a life of its own as Loose Rail Brewing and though adding a brewery to their business portfolio has been an exciting process so far, it hasn’t all gone smoothly.  Nathan says Loose Rail was originally targeted to open this summer but an overwhelming amount of nationwide permit requests within The Alcohol and Tobacco Tax and Trade Bureau has caused the opening to be delayed.  It’s now tentatively slated to open on Labor Day Weekend but, at this point, they are playing a waiting game as it’s out of their hands.  The good news?  There are a host of people anticipating the grand opening, anxiously awaiting the official announcement.  “This community has been really supportive and there is a lot of excitement for this,” Nathan says.  “We can’t wait to get going!”

Click here to visit them on Facebook! 

 

 

Community Spotlight: Vinton County Farmers’ and Crafters’ Market

Hang around the Vinton County Farmers’ and Crafters’ Market long enough and it starts to feel like old home week. That’s because in a small community like McArthur, everyone knows everyone else and the folks are friendly. They’re also grateful to have a place in the county seat to buy fresh produce and plants.

Since the county’s only grocery store closed in 2013, Vinton County residents have been forced to shop outside the county in neighboring Logan, Jackson, Wellston, Chillicothe and Athens or to piece together their groceries from local dollar stores, carry-out stores and gas stations that sell some grocery items. The Farmers’ and Crafters’ Market offers an opportunity to purchase locally grown, fresh produce on a seasonal basis.

Market Coordinator Bob Rannells admits the Market is small, averaging just a handful of vendors each week, but says they work hard to keep up with customer demand. In fact, he says the demand for fresh produced is so high he supplements Vinton County grown produce with more from a network of growers that stretches from Bremen down to the Ohio River.

On the day VCNB visited, there was a steady stream of shoppers – some hurrying in for something specific and others just stopping by to see what was available that day, most of them taking a moment to chat. There was a mother with young daughters selecting flowers for a landscaping project as well as a man whose wife sent him for a head of cabbage.

When asked why people frequent the Market, Rannells listed some rather compelling reasons. “The most important reason for most people is that everything is grown locally and is fresh. Sometimes the tomatoes are picked that morning. They’re never shipped from someplace else. They’re picked fresh right here in Vinton County,” Rannells explained.

In the case of bedding plants and vegetable plants, these items are taxable. “The tax dollars are collected and paid to Vinton County. So that money stays here locally,” he explained.

Another perk is that the vendor can provide tips on care of a plant as well as ideas for how to store or prepare food items. “We try to gauge those kinds of comments with the age of a buyer and how knowledgeable they seem to be with what they’re buying. Most older buyers don’t need us to tell them how to store a tomato. Sometimes a buyer appreciates a bit of information. And of course, they’re always welcome to ask,” he said. “We try to take the opportunity to talk to them about the plant, talk about where to plant, about water and fertilizer, and about non chemical pest controls.”

Rannells is a teacher and experienced farmer who takes pride in the market and the opportunities afforded to customers and growers. “We understand that the more we do to educate our buyers, the more likely they are to return,” he explained.

In addition to produce and plants, customers may sometimes find fresh eggs, Amish baked goods and hand crafted items. Margret and Danny Bapst sell handmade wooden items including bird boxes, wooden crates and custom items like picnic tables. Their wooden crates, made with hardwoods like Oak, Poplar, Hickory, Red Oak and White Oak, are attractive and sturdy enough to stand on, as Margret demonstrated. She pointed out that wooden crates sold in Big Box stores are made with Pine and are not sturdy or durable. They even make custom crates, featuring the logos of favorite sports teams. She indicated they can even customize with local high school logos including a Viking for Vinton County.  To have a custom piece made, customers can find them at the Market on Saturday or can call 740.384.0701 for information.

Rannells hopes to continue growing the Farmers’ and Crafters’ Market. “We welcome new vendors and encourage them to come back as often as they can,” he said. “We also encourage individuals who maybe just grew too much in their garden to come sell with us too. If you have produce that you can’t use, that will just go bad, why not bring it to the Farmers and Crafters Market to offer to sell,” Rannells asked.

The Farmers’ and Crafters’ Market is free to vendors but every vendor must have their own insurance. If you are thinking about being a vendor, Rannells recommends contacting your insurance agent to confirm that your homeowner’s policy will suffice.

The Vinton County Farmers’ and Crafters’ Market is open during the growing season in the parking lot on the East side of the Vinton County Courthouse from 9 a.m. to noon as well as at the Hamden Methodist Church on Mondays from 4 p.m. to 6 p.m.

 

Tricks For A Smooth Move

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A little organization today will save you time and money later as you unpack at your new home.

Whether it’s your first home or your dream home, buying and moving can be stressful. We put on our thinking caps and came up with some practical tips and tricks to help make your move go smoothly.

Consider the Necessities
Think about what you will need when you first arrive. Designate an easy to recognize container such as a clear tote or brightly colored box to make into your “Need First” box. Pack inside trash bags, paper towels, toilet paper, tools, phone chargers, simple snacks, a set of sheets for every bed and other things that are important to you. If coffee is a must have in your house, pack the coffee maker and supplies in this container. The point is to keep together all those necessities that you won’t want to go searching for among a sea of boxes.

While you’re at it, have every member of your family pack an overnight bag with a change of clothes, toiletries, medicine and other items they might take with them on a trip.

Advance Work
Collect packing supplies and begin packing gradually. It will seem like less work and will give you more time to pack carefully. Be sure to start with things you don’t use frequently like grandma’s china, out of season clothes and family mementos.

Purge as you go. If you don’t use it or don’t like it, don’t pack it. These items can be sold in a yard sale, donated to charity or offered to friends.

Change your address before you move. Be sure to notify, not just the Post Office, but your credit card company, cell phone provider and your bank. We love when our customers tell us they’re moving so we can keep contact information up to date.

For a few weeks leading up to your move, make an effort to eat out of your pantry and freezer instead of grocery shopping. Remember, the more you use, the less you have to move or lose!

Try to clean your new home before moving day. Whether you clean it yourself or pay for a service, it’s better to move into a clean house than to clean as you go.

Packing
Pack like items from the same room.  Don’t mix your toiletries with cookwear. Keep like items together and then label the boxes with the box content and the room where it belongs. Better yet, color code your boxes with magic markers or a strip of colored tape.

Take great care with breakable items and other valuables. Wrap breakable items well and be sure to label these boxes fragile.  Another precaution might be to pack these important items in a different kind of box than everything else.

Tape those boxes well by securing both the top and bottom seams. Also be sure to use the right kind of box for the job. Heavy items like books and dishes should go in small boxes. Light items like bedding can be packed in large boxes.

Also be sure to fill those boxes to prevent shifting in the box and to cut down on the number of needed boxes. Gaps can be filled with towels or out of season clothing.

If you must disassemble furniture, store all the small parts in a Ziplock bag. Label the bag and then securely tape it to the back of that piece of furniture. Keeping parts and pieces together and safe will save much heartache later, say when screws are missing from your child’s bed.

Moving clothes can be a challenge. One option for moving clothes on hangers is to take a tip from the dry cleaner. Cut a hole in the bottom of a large trash bag and slide the bag over the items on hangers. Items will clean and together and can easily be carried straight from the truck to the closet. Have items in dresser drawers? Leave them in the drawers and cover with Saran Wrap or Press and Seal to keep everything in place.

Look out for Fido
Moving can be a traumatic experience for children and pets. While the doors are open and people are moving about, be sure to keep pets secured in a crate or a room where there is not activity. Not only might they be underfoot, a frightened pet could run outside and be lost.

Then be sure to keep their travel experience as calm and pleasant as possible, especially if you know your pet is a poor traveler. When you arrive at the new home, create a pet space that they will recognize by providing them with familiar bedding, bowls, food and favorite toys.

Are you thinking about buying a home? Contact your local VCNB office to speak with a lender in your neighborhood. Do you have a great moving tip? Share it in the comments below!

 

 

 

Summer of Peace, Love and Points

Peace, Love & Points - FBBC (Nauman Digital)

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

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

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

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

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

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