Small Business Spotlight: Harvest Health Walk-In Clinic

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.

With all the changes in healthcare in recent years, there is an even greater need for quick, convenient and knowledgeable providers.  At Harvest Health Walk-In Clinic that is exactly what you will find.

Donna M Spencer is a Board Certified Family Nurse Practitioner (CNP) who owns and operates Harvest Health with the help of her husband who acts as the business manager.  She opened the small family practice six years ago after she had a vision of a facility with a comfortable and open atmosphere.

What makes Harvest Health Walk-In Clinic different from other area providers?  Currently in healthcare, many clinics limit the amount of time providers are allowed to spend with their patients.  Because Donna Spencer owns and operates Harvest Health, she is able to schedule patients in a way that allows her more time to care for them.  “In many cases, I’m able to spend a half hour, even an hour with my patients if needed,” Spencer says.  This shows just how much she cares about her patients.

The clinic provides a variety of services for patients eighteen months and older.  Some of these services are:

  • Treatment of common acute illnesses and conditions including bronchitis, the flu, strep throat, pink eye, minor injuries/sprains
  • Lab tests for strep throat, urine problems, mono and diabetes
  • Screening physicals for sports, work, and college
  • General healthcare services: vaccines, allergy shots, and wart removal
  • Wellness and preventative guidance and services: weight loss, stress management, and smoking cessation

In 2016 Harvest Health is transitioning to an appointments preferred framework to better care for patients but walk-ins will still be welcome.  Give them a call to schedule an appointment or to learn more.

Harvest Health Walk-In Clinic is located at 5 Main Street,  PO Box 329 in Commercial Point. Call 614.877.9175 or visit them during business hours: 

Mon, Wed, Fri 8:00 a.m. – 2:00 p.m.
Tues. & Thurs. 2:00 p.m. – 6:00 p.m.

Lessons from our grandparents

Two women knitting.jpg

Spending time with family over the holidays encouraged a lot of us to reminisce about the good old days. While some things may not have been better and going back in time isn’t possible, there are a number of things we all can learn from past generations. If you have grandparents who were a product of the Great Depression, you probably know they did things differently than younger generations.  Some of their skills and money management ideas are trendy today!

It’s the small things – Even a small thing can be a luxury and your grandparents will probably tell you there’s nothing better than an ice cream cone on a hot August day. Take time to enjoy the smell of cut grass, the sound of a baby’s laughter or the taste of a warm cookie fresh from the oven.

Keep your wants under control – Nothing kills a budget like a never ending list of wants. Worst of all, wants erode your satisfaction with what you already have.

Face to face is better than Facebook – They “went visiting.” They chatted with neighbors on the porch, they invited the pastor over for Sunday dinner and they didn’t stare at a tiny device in their hand every waking moment. They were good neighbors, recognizing that time and money are precious resources that could be used to help others in their community.

Save for a rainy day – Anyone who was a product of the Depression will tell you that you never know when a crisis will arise or how much money you’ll need to survive. That’s why a lot of these people were millionaires next door, secretly stashing away as much as possible but maintaining a simple way of life.

Two men and carpentry.jpgGrow your own food – A lot of our grandparents had gardens. Even in cities, folks with yards often grew backyard gardens and anyone with a windowsill could grow a pot of tomatoes. Gardening is back in vogue as it is cost effective, healthy and a good form of exercise. You’re guaranteed to know where your food came from when you pluck it from your own garden.

Embrace practical skills – Did your grandma sew or quilt? Maybe she canned green beans from her garden and baked a great apple pie. Generations before us knew how to do things for themselves. Your grandpa could probably change a tire and the oil in his own car. They likely knew how to repair things that were broken and entertain themselves without a smart phone or tv. They were Renaissance men and women who had to know a little about a lot of things to thrive in life.

Keep a family album – When was the last time you printed a picture and put it in an album? Your pictures are probably stored on a phone or computer. However, it’s not so fun to gather the family around to scroll through pictures on your phone. Periodically print a few of those favorites and put them in a family album, something that can be passed around, flipped through and enjoyed.

Conserve – Your time, money and possessions are precious resources. It especially seems like there’s never enough time and money to go around so don’t squander them on things that aren’t important to you. There weren’t green recycling labels on everything back then because people typically needed to find multiple uses for every object.

Get creative – Depression era folks had to use what they had to decorate their home, clothe themselves and feed their families. Instead of running to the store every time you think you need something, try shopping your home or substituting another ingredient in your recipe. You may be surprised at the creative solutions you find!

Tell us: What are your memories of your parents or grandparents? What did they do that we could learn from today?

 

 

Resolving To (Someday) Overcome Procrastination

Just eight percent of people who make a New Year’s resolution will stick with it this year. That’s why we’re talking resolutions all week long here at VCNB. We’re looking at common resolutions and some things you can do to power through and achieve your goals. We have covered budgets, health goals, savings and organization so far. Ironically, we put off writing about procrastination until the very end.

A wise man once said the “deadline is the ultimate inspiration.” While everyone doesn’t procrastinate, most people have a natural tendency to sometimes put off things they don’t want to do. Some of us though are paralyzed by distractions, bad habits and an inability to make decisions. While it can be hard, it is possible to overcome the habit of procrastination and get things done. You just have to want to possibly . . . maybe . . . commit. . . and start working on it . . . someday.

Put it in writing – It can be harder to ignore a task if it’s in writing. If it’s something simple, write it on a to-do list or even just on a post-it note. For some list makers, the simple act of crossing a task off the list is enough motivation to get to work. Bigger projects can be intimidating and have more steps so take a few minutes to brainstorm everything that needs done and write a plan. A detailed plan will help you get started and provide focus where there may otherwise be uncertainty.

Eliminate distractions – Sometimes procrastination is born from good old fashioned distractions. Who can judge when there are so many great distractions in 2016? There’s Facebook quizzes, Netflix binging, Youtube cat videos and other things that seem much more interesting! If you need to settle down and get a job done, turn off those distractions. Don’t worry. They’ll still be there for you later!

Find a change of scenery – It sounds silly but sometimes the best weapon against procrastination is simply moving to a different location. Take a walk or, if it’s portable, take your work to another room. Try it! This really works!

Deal with the worst – Usually the things we delay the longest are the ones we most hate to do. Instead of delaying the inevitable, try getting it done first! If you first finish the worst task, you won’t have so much to dread later that day! Another approach is to tell yourself you only have to do that worst job for fifteen minutes. You can do anything for fifteen minutes! Set a timer and get to work. Odds are you’ll keep going long after the timer has expired.

Bribery – When all else fails, bribe yourself with a treat! Most people respond well to a rewards system!

The truth is, when dealing with procrastination, the best defense is awareness and vigilance when making decisions. Remember, one failure doesn’t constitute a complete loss. Try again tomorrow. . . or maybe the day after that. Do you have a hack for getting things done? Share it in the comments section!

 

Keeping Your Resolution To Get Organized

Did you know that twenty-five percent of resolution makers abandon their goals within a week? With that in mind, we’re spending this week talking about New Year’s resolutions and ways to help you accomplish your goals. We’ve covered budgeting, saving money and health goals so far. Today we’re talking about organization.

A lot of resolutions have to do with organization. From getting to work on time to redoing a closet, organization skills relate to almost all aspects in life. Maybe you need to organize a desk so you can actually use it to pay bills and do work. Perhaps the organization you need isn’t for a physical space but for your time instead.

Regardless of what you’re organizing, there are some things to keep in mind and to keep you on track.

People sometimes mistake organization with perfection. They think it’s an all-or-nothing deal where everything is tucked away in a neatly labeled box. They equate an organized home with an empty home. However, organizer Christina Scalise explained it best when she said “Organization isn’t about perfection. It’s about efficiency, reducing stress and clutter, saving time and money and improving your overall quality of life.”

Another common mistake is believing that everything can be fixed in a day. Instead of trying to organize your entire home in a day, try spacing it out over a period of weeks or months. Identify the hot spots that you want to hit first and then write out a schedule for going through each one. Plan to do one big thing a week or something small every night by scheduling time to work on it.

This month, you may start with the paper clutter, cleaning out the old and developing a system for filing the new. Next month you could work on clothes closets and dresser drawers while March is the month you finally attack your messy laundry room. Clutter and disorganization doesn’t happen in a day so it’s unrealistic to think it can be fixed in a day or two.

When it comes to organizing it’s important to visualize whatever you are trying to accomplish. If you wish to cook in a kitchen where everything is easily accessible, start by looking at the space and how you’re using it. Can you use the space more wisely? Do you really need everything you are storing? If you don’t bake, chances are you don’t need to keep a dozen cookie sheets. Sometimes we aren’t disorganized, we just are trying to store things we don’t need.

People often believe that the first step to organization is to run out and buy a bunch of containers but the best first step is actually to choose one small piece of the puzzle. Start with that cabinet crammed full of coffee mugs. You probably have a few favorites that you use every day but do you need three dozen mugs? Maybe they make you happy and they need to stay but chances are you could purge a few, or maybe even a lot.

Start by pulling out the things you never use, don’t like, or are broken and begin filling boxes for thrift store donations or for friends you think might appreciate your extras. Once you have purged the unneeded and unwanted, then you can take stock of what you own and begin thinking about how it will fit in your space. Your coffee mugs may fit on a smaller shelf now and would be better across the room, next to the coffee maker. That enormous roaster you only use on Thanksgiving could be stored in the back of the pantry or even in another room. If you like to bake, organize your mixing bowls, measuring cups and other baking supplies in one area to create a baking station.

In other words, think about how you use your possessions and store them accordingly.

This example is about a kitchen but the philosophy behind it can be applied to anything. Just remember not to feel overwhelmed. Start with one drawer, one shelf, one corner of a room and work out from there.

If you’re trying to organize your time, think about the root of your problems. A good calendar can fix a lot of problems. Planning for tomorrow can cure most others. Create a landing zone where you keep your keys, coat, handbag and anything that needs to leave with you such as library books or mail.

Try laying out your clothes and packing lunches the night before. Gather ingredients for tomorrow’s dinner and review your schedule to know who goes where and when. Just knowing what lies ahead and having the supplies you need will do wonders to improve your life and time management!

Remember, organization is not an event and it isn’t a destination: it’s a lifestyle. Work at it gradually and you will achieve your goals!

Stick With A Savings Goal in 2016

It’s a sad truth that most Americans who make New Year’s resolutions fail to keep them for more than a month or even just a few days. This week we are looking at common resolutions that are great goals for any time of the year. So far we have covered sticking to a budget and living with healthy goals. Today we’re talking savings.

Our friends at NerdWallet.com wrote last year about how much the average American is stashing away. It turns out, it’s not enough.

While most experts recommend committing at least ten to fifteen percent of income to savings, the average American is saving less than five percent. Why is that rate so low? Well, part of the problem is that saving money can be difficult. For some the problem may be that they simply aren’t making enough money to live on and are struggling to get by today without saving for tomorrow. For some folks it just isn’t a priority. They would rather have a bigger house, premium cable, or just “live in the now” rather than have money for later.

For others, the inability to save money is a simple lack of discipline. If you’re the kind of person who wants to save money but never actually do because you forget and spend the money on something frivolous and think you’ll save extra next pay – we’re looking at you.

Don’t worry, this won’t be complicated. We have just one word for you: Automation.

Automation is a beautiful thing when it comes to building good habits and it’s especially helpful when committing to a savings plan. If your employer has a 401k or other type of retirement plan, set up automatic payroll contributions. The money is distributed to your 401k from your paycheck and it’s almost as though you never had the money in the first place.

If you want the money to collect in another type of savings account, say an Passbook Savings at VCNB (see how we snuck ourselves into the story?) you can set up automatic transfers for whatever amount you want, when you like. The best plan is probably to schedule the transfer on payday or the day after. That way, it’s done first thing and you aren’t tempted to spend rather than save.

One more thing: a lot of savers enjoy success making games out of saving money. For example, they stash every $5 bill they get or keep a change jar. There’s a great chart where you save an increasing amount for every week of the year. The plan is to save one dollar the first week of the year, two dollars the second week, three dollars the third week of the year. By the last week of the year, savers on this plan are saving $52. Those who follow the plan ease their way into saving regularly and accumulating over a thousand dollars in one year.

For many people, the key to sticking to a savings plan is automation. For others it’s making it easy and fun. Consider your personality and get started! Even if you can’t save fifteen percent of your income, save what you can today and work up to more.

We’re talking resolutions all week so check back tomorrow!

Resolving To Budget In 2016

In 2013, Forbes Magazine reported that just eight percent of people will achieve their New Year’s resolutions. Eight percent. That number seems depressingly low. So we want to take a look at common New Year’s resolutions and things that you can do to insure you are part of that eight percent. This week we will feature a different resolution every day with some helpful tips and hints for sticking to it.

Since we’re a bank and we think money is pretty important we’re going to start with the dreaded “B Word.” That’s right. Today we’re talking Budgets.

People are often intimidated by the idea of a budget. The truth is, you work extremely hard for every penny you make. A budget is an easy way to know where your money is going and that it’s working for you.

One of the first steps to taming your finances is knowing where your money goes. Making a budget helps you to know where your money is going and will, if used correctly, help keep you on track. Budgets can be made with a spreadsheet on your computer, a mobile app or just a pen and paper.

Sadly, making the budget is the easy part. What trips folks up is sticking to their budget. And that’s what we’re here to talk about today. Anyone can make a budget but it’s an altogether different thing to stick to it for more than a few days, much less a month or year.

Here are some thoughts to help you stay on track and loyal to your budget in 2016.

Look at it daily – This may sound like a nuisance but it is vital that you keep your budget at the top of your mind so that you’re not tempted to go off script, spending money you don’t have. Hang a copy on your fridge, keep it in your handbag, your dayplanner or on your smartphone. Then take a moment every day to look at it and remind yourself why it’s important to stick to it.

Keep visual reminders – Is there a reason that budgeting is important to you right now? Maybe you are trying to pay off a mountain of credit card debt. Make a chart of your debt so you can see the balance decline each month. Are you saving for retirement or for a big family vacation? Place an image representing that goal somewhere you will see it every day. Study that image and imagine how following your budget will help you reach your goal!

Identify and eliminate weaknesses – Are you an Amazon impulse shopper? Are you a sucker for a Kohls sale or for a bargain at the grocery store? Stop and think about the places and things that trigger unplanned spending. Stop going to the mall every time you’re bored if you are an impulse shopper. Delete your credit card info from Amazon to slow down when buying all those “Lightening Deals.” If you horde food, take a detailed list to the grocery and don’t buy things that aren’t on the list.

Give yourself an allowance – A lot of parents give their kids an allowance to teach them how to handle money responsibly. Why not do the same for yourself? Give yourself a reasonable amount of money each week that you can use as “play money.” This play money will give you a little freedom to have some fun without damaging your budget. If you want morning coffee and lottery tickets and you blow your weekly allowance in two days, you will know it’s time to reconsider your spending habits.

Think before you spend – Remember when we told you to look at your budget daily? We also suggest you look at your budget every time you’re thinking about spending money. Whether it’s a trip to the grocery store or an online shopping spree at home, look at your budget and consider the repercussions before you buy. It may feel good to buy that Blu-ray today but where will the money come from? Is it worth taking the money from your grocery budget or your retirement savings just to watch a movie? Thinking about your money and your budget and how they work for you are half the battle. Having the strength to actually do what your budget says is the other half.

Set rewards goals– Following a budget sounds like an easy thing to do but it is actually sort of tough. That’s why it’s important to treat yourself once in a while. Is there something you especially enjoy? A manicure or bubble bath? Maybe an evening in front of the tv or at a favorite restaurant would make you happy. Reward yourself each week or month that you follow your budget!

A few final words –

Remember, a budget is a living organism with potential to change regularly. The cost of gas increases sometimes and your heating bill fluctuates with the weather. It’s important to adjust and recover as needed. If you spend too much today, that’s no reason to become discouraged. Just make the necessary adjustments to cover the cost of groceries and move forward.

It sounds cliché but budgeting really is mind over matter. Mental presence, awareness of goals and willpower go a long way toward helping you be true to your budget. Be strong and you can be among that eight percent!

 

Get 2,016 Bonus Points With Rewards Checking!

2016 PointsWe wanted to ring in the New Year right with a new promotion for our Rewards Checking account. Now through February 29, folks who open a new Rewards Checking account online will receive 2016 UChoose® Rewards.

Rewards Checking rewards customers for using bank products including their debit card for purchases. Points can be redeemed for cash back, gift cards, travel, experience tickets, merchandise and more! To read all about Rewards Checking including the ways you can earn points, account terms and more, click here to visit our website.

To qualify for the 2016 bonus, a $100.00 minimum deposit must be made into the eligible checking account, and a debit card must be activated and registered through UChooseRewards.com within 60 days of opening account to receive the bonus. Points will be awarded within 30 days of meeting criteria. Limit two bonuses per household.

Click here to read full offer details.

Visit us online to get started with opening your new Rewards Checking or other VCNB account!!!

 

Celebrating A Career: Christyne Calvin Retires After 34 Years

When Christyne Calvin came to work at Vinton County National Bank, Ronald Reagan was President, a postage stamp cost .18 cents and a loaf of bread averaged .54 cents. The year was 1981 and Christyne was embarking on a career that lasted 34 years and left a lasting impression on the bank.

Christyne Calvin poses during her retirement party last week. She will retire this month after 34 years with the bank.

Christyne Calvin poses during her retirement party last week. She will retire this month after 34 years with the bank.

Christyne will retire from her position as Loan Review Officer on December 31. Her bank family celebrated with a party last week where retired VCNB President and current Board Member Steve Hunter gave a tribute to her career and remarkable work ethic. “While she literally did grow up in the bank, she started full time in 1981, and, as of the end of the year she will have worked some 12,589 days, some 34 plus years,” Hunter told a group of bank employees and retirees.

Hunter reflected on her extensive career. “Christyne actually has worked in just about every job, in every department in the bank – some of which she had to invent and define as she went along. From hand filing checks to writing bank policy, she has literally done it all. Most recently she built and defined the important role of loan review,” Hunter reminisced.

Christyne’s family founded VCNB in 1867. Her father, J.G. Will also enjoyed an extensive career with the bank, including several years as President. “I didn’t want to come in and just be J.G’s daughter,” Christyne said. “I wanted to do some serious numbers work and I wanted to earn my keep.”

Christyne Calvin is shown with her dad J.G. Will when Christyne was still just an adorable infant. Both Christyne and her father had successful careers with Vinton County National Bank.

Christyne Calvin is shown with her dad J.G. Will when Christyne was still just an adorable infant. Both Christyne and her father had successful careers with Vinton County National Bank.

With a degree in Journalism, Christyne had left Vinton County to be a newspaper reporter and social worker. When she realized that a career change to banking made sense, she returned to college to earn a Master’s in Business Administration before moving home to McArthur and taking a job at the bank. “I was a working mother and wanted to do something meaningful but also wanted to be close to mom and dad so the kids could get to know their grandparents…. It made a lot of sense,” she explained.

Christyne has also served on the bank and CBI Board of Directors for several years. Her experience in various roles has made her a tremendous resource for younger employees and coworkers over the years.

She noted that it is impossible to talk about a banking career without mentioning change. “Oh, the changes I’ve seen! The pace has certainly quickened, mostly due to technology,” she mused.

When she started, Christyne said her desk had an electric typewriter, a telephone, adding machine, pen and paper. Desktop computers would not be popular in the office for another decade or more. “It was hard to get information in this age before the internet. If you needed a credit rating, you would call the credit bureau and write it down over the phone. Information is much easier to get today and we have an entire department devoted to technology,” she said. “Another big change is that electronic banking has given us the ability to live away from the area and still bank here. Even if you move, you can still bank with us.”

One of her greatest career accomplishments is the creation of the bank’s first Loan Review Program. “We built it from scratch, went to a lot of schools and did plenty of research to create something that worked. And I would like to think that we improved the quality of the loan portfolio and the credit culture here,” she said.

She cited her ability to work with external auditors and bank examiners as a benefit to the bank. “My own dad said ‘there’s more than one way to skin a cat.’ You can always learn something from others, learn how they do things differently and take from it the best of their knowledge,” she explained.

Christyne talked about her dad some when we chatted about her retirement and Hunter also mentioned the correlation between J.G. Will and his daughter. “For those of you who have gotten to know Christyne, in many ways you’ve also gotten to know J.G. She, like her father, has a quiet yet confident manner. Broadly inquisitive and curious yet unassuming. Deeply analytical. Very balanced and fair. Always appreciative and complimentary to every member of the entire staff,” Hunter said.

Following her retirement, Christyne plans to move south to be close to family, including her grandchildren Stella, Asher and Marie Claire.

“I’m going to miss everybody here. You can’t spend that many days and hours of your life without missing it. But I’m moving towards something. Those kids can’t wait for their Memaw to be there and I’m looking forward to the free time,” she said. “Time gives you possibility. I look forward to going at my own pace and pursuing things that matter to me. I’m hoping to exercise my creativity, take yoga… go for walks more often, subscribe to National Geographic and actually have time to read! Imagine having time to just sit and enjoy my coffee. Look up at the sky and breathe,” she mused.

“I can’t believe this is going to be my life. Thank you Lord, thank you,” she exclaimed.

 

 

Small Business Spotlight: Pumpkin Ridge Quilt Shop

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

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The folks at Pumpkin Ridge Quilt Shop call their store the “Cutest Little Quilt Shop In Southeast Ohio” but the store is anything but little. In fact, it is jam packed with fabric, notions, books, patterns and sewing machines that makes this place nothing less than a quilter’s paradise.

The shop offers a larger fabric selection than any craft or sewing store around, according to owners Terry and Debbie Stevens. “We have between 3,500 and 4,000 bolts of fabric. But who’s counting?” Terry joked.

Walls paneled in Vinton County native timbers including White Pine, Black Walnut, Honey Locust, Sassafras and Poplar give the shop a cozy and welcoming atmosphere that makes customers want to stay. Or perhaps it’s the rooms filled with an astounding variety of fabric that includes everything from Civil War reproductions to Oriental designs that make folks want to stay.

Polka dots, stripes, solids and florals abound. There are handmade fabrics called Batiks. There’s a section of thirties fabrics – reproduction fabrics that were historically used in flour and feed sacks and transformed by housewives into clothing, quilts and other items needed in the home. There’s even fabric featuring race horses, Charlie Brown and the gang and, of course, festive holiday designs.

OLYMPUS DIGITAL CAMERABut this store doesn’t just sell fabric and notions. The list of services they offer is long. They sharpen scissors, sell Elna sewing and embroidery machines and are a certified Judy Niemeyer store. They provide instruction for machines sold and Terry will even set up a machine in the buyer’s home. They are the only Tinlizzie dealer in four states.

Then there are the classes. “We have a classroom and can provide instruction on pretty much anything you want to learn. Paper piecing, table runners, it doesn’t matter,” Terry explained.

During our visit, some friends were gathered to work on projects, talking and helping each other in the classroom. “You’re welcome to come and sit. We can answer questions if you’re having trouble. If you don’t know how to put a border on, we’ll help you out. Bring a friend. Sit and sew,” he invited.

For customers who don’t sew but wish to have a quilt made, Pumpkin Ridge can make that happen too. Also, they can help customers finish a project by adding the batting and backing for the customer.

OLYMPUS DIGITAL CAMERATerry also services and repairs machines both big and small, old and new. Right now his work bench is home to an antique Singer machine that’s in for repair. “Honestly, the old machines sew better than the new ones,” Terry explained as he admired the perfect stitching produce by the antique that was once sold by Sears, Roebuck and Company.

Terry said that he tries to be fair to his customers and that he is the cheapest around for repair. “We get people in from all over Ohio, from West Virginia, Pittsburg, Michigan…we had a guy in here from Indianapolis. They come from all over,” he explained.

When asked why he decided to take up this business in his retirement Terry replied that the answer is simple. “I got into it at the house, repairing and servicing machines because no one else around does it.”

The opportunity to purchase the building that now houses the shop presented itself and he decided to move his business. “Debbie quilts and she said she was going to put a quilt shop in. So here we are. It’s fun. I get out of the house and get to meet a lot of good people. It’s been good,” he said.

Be sure to stop by before the end of the year to take advantage of their current sale – half off Christmas fabrics.

Pumpkin Ridge Quilt Shop is tucked away in the rolling hills of Vinton County, just six miles from McArthur and close to the Vinton County Airport. Follow them on Facebook or call 740.596.2345 for information. They are open 10 a.m. to 5 p.m. Monday through Saturday. Their address is 26940 Pumpkin Ridge Rd, New Plymouth, Ohio 45654.

 

 

 

 

 

VCNB Announces Holiday Hours

The holiday season is here and that means some adjustment to our business hours for a few special days. Here’s our upcoming holiday schedule:

 

Christmas Eve                   Most offices will close at Noon
                                            Young’s Market will close at 3 p.m.

Christmas Day                   Closed

New Year’s Eve                  Open All Day

New Year’s Day                  Closed

 

Please remember that if you experience trouble with your VCNB debit or credit card, you can call the number on the back of your card for immediate assistance outside of our business hours. For regular business transactions including balance checks, transferring funds and even opening accounts, you can bank with us 365 days a year at www.vintoncountybank.com or on VCNB Mobile.

From our family to yours, we wish you a Merry Christmas and a Happy New Year!