Looking Back On A Year Of Giving

Looking back on 2020, we can say this year has been unlike any other we’ve seen in our 153 year history. This global pandemic has changed the way we do business, how we are entertained, how we interact with loved ones, and in countless other ways.

It has been challenging and scary for many who are suffering economically or because of their health. That’s why we have committed to working with our customers who have struggled due to income loss this year. We also continue supporting our communities in the best way we know how – through volunteerism and monetary donations.

Our employees log hundreds of hours volunteering in their communities every year and have continued to do so when safe this year as well. You’ll find them helping at food pantries, serving on boards and lending a hand at animal shelters. They give blood, are leaders in their churches, visit nursing homes and seek other ways to make a difference.

Our branches have donated nearly $300,000 to causes important to their communities. Those causes come in many forms. We have supported events like the drive-thru Pataskala Cookie Walk, a Chamber event that gave local families a socially distanced and fun way to welcome the holidays.

We bought livestock at county fairs, supporting the age old tradition of 4-H members learning useful skills and responsibility while caring for their animals.

We’ve donated to some big projects too. The Logan Theater project will provide local teens a place to go after school and a place for movies to roll and the arts to come alive in downtown Logan.

Donations were made to high school programs, libraries, and food pantries. In McArthur, we donated care packages of non-perishable food and snacks to be sent home with local kids when schools were closed.

We even gave away $2,020 to a graduating high school senior from each of the counties where we have a branch.

Supporting our local communities and people and the causes important to them is important to us. As we bid farewell to 2020, we look with hope for the new year ahead. From our bank family to yours, we wish you a new year that is happy, healthy and prosperous.

Charlotte McCarty To Retire On New Year’s Eve

When Charlotte McCarty rings in the new year, she will do so as a retired person. In fact, New Year’s Eve will be her last day on the job after a 26 year career at Vinton County National Bank.

Charlotte McCarty will wrap up her 26 year career at VCNB when she retires on New Year’s Eve.

She began her career as a part time teller, a position that grew into a full time job. She has held a few titles including Head Teller, Branch Service Manager and now Branch Manager. Through it all, she has served the customers of our Wilkesville branch where she has gotten to know scores of people who she says she will miss. “I’m looking forward to retiring but I’ll miss the people a lot. We have customers who I’ll miss. Plus we have some wonderful employees who I’ll miss too,” she said.

Charlotte has worked for the bank for 26 years and has spent most of them with coworker Alice Mccloud who just retired last week.  “We live close enough we can see each other sometimes but it will be strange not seeing her every day,” Charlotte laughed.

She didn’t intend to get into banking. A friend who worked at VCNB called and asked if she would be interested in the job. “I didn’t know anything about banking and wasn’t sure I could even do the job. But I really enjoyed it when I got the hang of things.

One important part of community banking is building relationships with customers and she is especially good at doing that. “The thing about working in a small community is that you get to know almost everyone and they get to know you. It feels good when someone calls and asks for you. It tells you that you’re doing something right – that you’ve built a relationship with that person and they trust you to take care of them,” she explained.

While she says she will miss those human connections, Charlotte looks forward to having free time for the things she enjoys. “I just like the idea of being able to do what I please, when I want to. It will be nice to get into sewing more or to get in the car and go somewhere. I’m hoping to do some gardening and take better care of my flowers. I always have good intentions in the morning and think of all the things I’ll do when I get home after work but sometimes I’m lucky just to make dinner and do dishes. It’s hard to keep up.”

Her husband Denver has been retired for a few years. “It has been hard to get up and leave home on cold, frosty mornings when he gets to stay home,” she laughed. “Now I can stay in or we can go to Amish Country or something. I was up there a while back and did some fun things but I really loved just driving around a looking at things. I hope to do more of that.”

Charlotte and Denver have two grown children and three grandchildren. Denver pastors the Fairview Church of Christ in Christian Union and the couple have been involved in the church for their entire married life. She has taken on many roles including Sunday School teacher and song leader. She also is a talented seamstress who made over 200 masks early in the pandemic and has made special occasion dresses including her daughter’s wedding gown and all the dresses for the bridal party.

“Sometimes I think I might come to really miss working. I like staying busy and I like the people. This has been a good place to work. I couldn’t have asked for a better place to work all these years but I’m glad that I’ll have more time for me.”

Meet Your Banker: Jodi Motta

When Jodi Motta talks about her role as a Regional Manager at VCNB, she rarely talks about herself. Instead, she discusses the team she manages, the people who have helped her along the way, and the drive she has to be better every day.

Perhaps that’s why she thrived in the leadership training programs offered by the Community Bankers Association of Ohio (CBAO). Motta recently completed the organization’s Advanced Leadership Development Program. Before that, she completed their Emerging Leader Program as well.

Jodi Motta is a Regional Retail Manager for VCNB and is known for developing others.

“There are many opportunities to help others and developing people is my passion. My motivation comes from helping others grow,” she said. “Maybe that’s because it’s important to me that I grow every day and because I’ve had so many people help me. Developing others is a true passion.”

Jodi’s path to becoming a successful member of the VCNB family actually began at Kroger where she started as a teenaged bagger. She went to college while working her way up at Kroger until landing in the back office. “Much of the work was similar to teller work. Balancing cashiers, money orders, some supervisory too so it really was good training for my banking career.”

She started as a teller for the Friendly Bremen Banking Center in Bremen in 2000 before making a shift to the Loan Operations Department. Here she learned all the back end processes of banking and worked with experienced employees who were happy to teach her.

She eventually made the shift back to retail to manage our Bremen branch before becoming a Regional Manager in 2009. While VCNB is just her second employer, she says she gained knowledge and was helped by others every single day and that those experiences have helped her become a better leader.

Her most recent accomplishment, graduating the CBAO Advanced Leadership Development Program earlier this month, was a ten month journey along with just a handful of other bankers who represented various departments of banks of all sizes. “Everyone came from different backgrounds and departments and brought a diverse perspective to the conversation,” she said.

Their instructor asked each participant of the elite program to bring live problems for class discussion and for one-on-one coaching sessions. “It was helpful to be coached through real life situations and to see the results,” Jodi explained.

One of her strategies is finding someone’s strengths and passions and to help them use those tools. “A lot of people don’t know their own strengths, they don’t give themselves enough credit and underestimate where they are. If you can help them identify their strengths, help build their confidence, they will grow,” she continued.  “It’s a great strategy to use when building your team. When you, as a leader, can identify everyone’s strengths and develop them your team will succeed.“

Jodi admits that she has high expectations for her team but she holds herself to high standards as well. “I never want to feel like I’m not pushing myself to grow and learn new things and to be a better leader. I have high expectations for my team and push them to be better because I know they’re awesome and I know they’re capable.”

She is actually known for reviewing her own performance on each project or even when facilitating a meeting.  “Anytime I do something, I like ask myself what I could have done differently. What could I do better next time to get better results? It’s important to always do this because there is always room to improve and grow, to learn from your experiences.”

The Sugar Grove native has been married to her husband Chris for 22 years. They have three children who keep her very busy. “I guess you could say my hobbies involve spending time with my kids and their activities. Marching band, sporting events – those things and spending time with my extended family keeps me busy,” she exclaimed.

Jodi serves on the Lancaster Fairfield County Chamber of Commerce Board and is a board member and Treasurer for Big Brothers Big Sisters of Fairfield County. “That organization is very near and dear to my heart. Anything that has to do with children and developing young minds is important and this organization pairs young people with adults or ‘bigs’ as we call them. Every child deserves to grow up knowing that someone believes in them and sees their potential.”

She is known for encouraging others and for supporting those who wish to work in community banking. “Working in any aspect of community banking is very rewarding. It is a profession that offers a variety of opportunities for career growth and development.”

Perhaps that’s why she rarely meets a colleague without extending the offer to help if they ever need advice or just someone to listen on a bad day. “I like to help people understand their why. Sometimes you don’t know what’s bugging you, you just know you’re having a bad day. Understanding the why can help you work through it. In the bigger picture, knowing your purpose and understanding your why will help you to grow, to succeed and to be better.”

Make Deposits At The ATM

Need to make a quick deposit or get some cash on the go? You probably knew that you can get cash from the ATM but you can also deposit cash and checks at your local VCNB ATM. The ATMs at all of our branches have updated machines with advanced capabilities.

These new machines can read images. That means that the customer can insert cash and checks without an envelope. Just follow instructions on the screen to receive immediate credit for up to $500 per day. The remainder of the balance will be processed and credit will be given next business day if deposited before 2 p.m. and on the second business day if deposited after 2 p.m.

This service gives customers 24 hour access to deposit funds to their accounts without waiting in a drive-thru lane or visiting a branch lobby.

Bank Outside The Branch

VCNB was encouraging customers to bank outside the branch long before the pandemic caused people to seek safer ways to handle errands.

We know your time is valuable and we know you can’t always bank during regular business hours. We also want you to do businesses with us in a way that’s convenient and safe. For many, that means using technology on their phone or computer to bank wherever they may be. For some, that means popping by the drive-thru or an ATM to make a deposit or get cash.

Here’s a refresher course on options we offer for banking outside the branch.

Direct Deposit – Payroll, social security and unemployment checks can all be received by direct deposit. Instead of driving to the bank, direct deposit users simply wait for their money to appear in their account on the day they are owed.

VCNB Mobile – You may not realize it but you have the power of a bank lobby in your pocket. Download VCNB Mobile from the app store on your mobile device and do much of your banking from wherever you are. Just log in to your account to transfer funds, pay bills, check balances, and open new accounts. You can also deposit a check using Mobile Deposit. With Mobile Deposit, use the camera on your mobile device to send a photograph of the front and back of your endorsed check. If the check is endorsed properly and the deposit is made correctly, you will receive immediate credit for up to $1,000 per day.

Website – Much like the mobile app, use the website to open accounts, apply for a loan, check balances, pay bills, view statements, set account alerts and more!

ATM – Most VCNB branch ATMs have been upgraded to accept image deposits. The last upgrade is expected to be completed at our East Main Street Lancaster location by December 12.  Receive immediate credit for up to $500 in cash and check deposits per day at the ATM. The remainder of the balance will be processed and credit will be given the next business day if deposited before 2 p.m. and the second business day if deposited after 2 p.m.

MoneyPass®  – VCNB customers can access a network of over 32,000 surcharge-free ATMs across the nation. Visit www.MoneyPass.com to find a MoneyPass ATM near you!

Of course, we also have a great Customer Service Team waiting to help you via phone and the staff at your local branch will be happy to see you in-person by appointment, to help you via the drive-thru or to chat on the phone or via email!

What’s your favorite way to bank outside the branch? Leave us a note in the comments!

 

What To Buy Right Now

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

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

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

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

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

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

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

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

Reward Yourself With Rewards Checking This Holiday Season

What’s on your holiday list and how much money will you spend? A VCNB Rewards Checking Account would reward you for all those purchases!

Tis the season of holiday spending and many savvy VCNB customers are ready to reward themselves while giving to others this holiday.

Think about how much money you spend during the holidays.

Maybe you’re buying gifts and stocking stuffers. Maybe you’re sending Christmas cards and need stamps and cards or family photos to share with loved ones. Do you cook special foods for holiday celebrations? Perhaps you leave a gift card for your mail carrier or use the holiday sales as an excuse to spiff up your wardrobe or update some things around the house.

Whatever your spending patterns this time of year, most Americans are spending money and a lot of it.

But our VCNB customers who use our Rewards Checking Account will tell you that they can pay for their purchases from their checking account while accumulating uChoose Rewards® points that can benefit them later.

It’s simple, really.

When you use your Rewards Checking account debit card, you will earn one point for every $3 spent. Use your card 21 or more times per cycle and receive an extra 200 points. You can also accumulate points for using Online Bill Pay, Direct Deposit and Automatic Loan Payments. We will even give you 1,000 points when you open the account and 500 points on your anniversary.

Sign into the uChoose Rewards website to find special offers for online purchases and for in-store purchases with offers you can activate.  

The website is also where you manage and redeem your rewards points. Here you’ll find it easy to request cashback or to order gift cards, arrange travel or shop for merchandise.

There are many benefits to using this account but also some important details to remember. First, there is a $7 monthly fee that is waived if you do one of two things – either make 15 or more debit card purchases per statement cycle or maintain a combined relationship of $5,000 or more with VCNB. That would include your personal checking, savings and CD balances.

Most customers find that they are easily using their card fifteen times per month.

Also, you must register your debit card on the uChoose website to begin earning rewards points. Purchases made prior to registering your card cannot be retroactively awarded points so be sure to get that done before you begin spending.

What are you waiting for? You can open this account online or visit any of our branches to have one of our Personal Bankers open it for you. Click here to get started!  

Already have Rewards Checking? We would love to hear how you use your Rewards! Comment below and tell us!

October Is Domestic Violence Awareness Month

October is Domestic Violence Awareness Month

October is Domestic Violence Awareness Month. This is a topic that hits close to home for millions of American families but one that most of us aren’t comfortable discussing. Our friends at The Lighthouse Domestic Violence Shelter in Fairfield County have asked VCNB employees to shine a light on these crimes by wearing purple on October 16. Our employees will wear purple and are invited to donate $5 to The Lighthouse so that they can wear jeans that day as well.

An average of 24 people per minute are victims of rape, physical violence or stalking by an intimate partner in the United States. That’s more than 12 million women and men over the course of a single year, according to the National Domestic Violence Hotline.

Here at VCNB, we are concerned for the safety of all people who are victims of abuse. The fact that so many Americans, so many of our neighbors, live in fear of their own partner is unacceptable. We have seen first-hand the struggles of too many women and men in abusive relationships and were devastated last year by the senseless murder of a former employee.

Life with an abuser is a lonely one and it is scary. An abuser is a bully who normalizes abuse and terminates their victim’s relationships with loved ones. They use ongoing verbal abuse to devastate their self-esteem, making them believe that they deserve to be abused. They make sure their victims have no resources of their own by denying them opportunities to work or to have their own money.

Leaving this untenable situation seems impossible but there are organizations with staff and resources that will provide vital support to them leave this dangerous situation.

If you are someone you love is in an abusive relationship, there are local shelters as well as a national hotline that you can turn to for help. Each county’s domestic violence organization is different with some offering everything from emergency shelter to victim advocacy to safety plans.

When you’re ready, here are some of the resources available in the counties where we have branches.

Fairfield
The Lighthouse
Lancaster
740.687.4423
www.lancasterlh.org/

Franklin
CHOICES
Columbus
614.224.4663
www.choicesdvcols.org

Hocking
My Sister’s Place
Athens
800.443.3402
www.mspathens.org/

Jackson
Serenity House
Gallipolis
800.942.9577
www.serenityhouseinc.weebly.com/

Licking
Center for New Beginnings
Newark
800.686.2760
www.thewoodland.org

Pickaway
Haven House of Pickaway County
Circleville
740.477.9113
www.havenhouse1180.com

Ross
Ross County Coalition Against DV
Chillicothe
Crisis Line 866.828.2273
www.facebook.com/RossCountyCoalitionAgainstDomesticViolence/

Vinton
Shepherd’s House
McArthur
740.596.9271
www.facebook.com/Shepherds-House-196460857034200/

Nationwide
National Domestic Violence Hotline
800.799.SAFE
www.thehotline.com

Small Business Spotlight: Ohio Steel Recycling

Being a small business owner is a tough job! That’s why we feature a different small business in our Small Business Spotlight every month!

Have some scrap metal in your way? Ohio Steel Recycling will be glad to take it off your hands and pay you for it too.

The company buys a long list of scrap metals from both commercial businesses and individuals. “We don’t care if you bring us a truck full of junk cars or just a trunk full of scrap from around your yard. We’re happy to take it all and will pay you for it,” owner John Belcher said. “That’s better than letting it sit in your way!”

They buy scrap metal that can be upgraded into materials to sell for recycling. For example, junk cars go through a process where they are drained of all fluids including gas and oil before the exhaust, wheels, tires and catalytic converter are removed. The metals and rubber can be recycled while the fluids like gas and oil must be properly disposed of by EPA standards. The car is then run through a compacter before being sold to another facility that will shred and separate the metals for recycling into other useful products.

This is helpful to the environment as it is more eco-friendly friendly to reuse metals than it is to mine more. It also prevents tons of materials from hitting landfills. “The environment would be a lot worse without places like this. Imagine if all this was sitting in a dump somewhere,” he said, gesturing to the hundreds of crushed cars that are stacked and waiting to be hauled off for recycling.

Cars are stripped of hazardous and valuable materials before being compacted and hauled away to be shredded. The shredded metals may be recycled and made into useful products.

But they take more than cars. They accept all sorts of junk vehicles and equipment as well as other items like appliances, copper wire and tubing, iron and steel scrap, aluminum scrap, cast iron, lead, brass and brass alloys, zinc and zinc alloys, demolition scrap, and industrial and manufacturing scrap. The list is quite long and includes almost everything metal.

For the average person, this could mean garage doors, metal siding, old plumbing, a car part or the refrigerator they just replaced.

There are some exceptions. They don’t take anything hazardous, toxic or radioactive. They don’t take any closed containers under pressure like propane or gas cylinders, fire extinguishers or aerosol cans that could explode. Liquids including gas, oil, paint, propane and water aren’t accepted either.

Copper wire that has been stripped from tubing awaits recycling.

Used bullets from a local gun range are among salvage materials that most people wouldn’t even think of as an opportunity to recycle. Copper wire is stripped from tubing, appliances are dismantled and everything that can be recycled is prepared to be trucked out to their next step in the recycling process.

John is always on the lookout for ways to expand the business and said they are about to begin accepting aluminum cans. “Aluminum cans are sort of a break even commodity for us but if it helps the customer, I think we should do it,” he said. “Besides, if they’re bringing us cans, they may realize this is a good place to bring other things.”

One customer hauled in an assortment of metal scrap in a bathtub. “You see all kinds of things in this line of work,” laughed John Belcher.

He works to keep his area as neat as possible given their line of work and encourages employees to remember “just because we’re a junkyard doesn’t mean we have to look like a junkyard!”  He went on to say “people don’t want to bring their nice cars into a bad place. Besides, we want to be good neighbors and keep things as clean as possible.”

John is also conscious of how the pandemic has impacted his business as well as other people and businesses. “It’s been a hard time for a lot of people. We closed for a couple of months and used the time to do some projects here. We’re open again but we’re not back to where we were in April. Honestly, I’m just looking forward to when things get better.”

John and his wife Dusty work together. They’ve been married for twenty years and have seven kids and five grandkids. He’s a Columbus native, living now in Grove City, but looking forward to someday moving back to the country near Stoutsville. He chats freely about the business, family and about finding a work-life balance. “Life is short and it’s important to appreciate the people in your life and the time that you have. Work is important and I really like what I do but you have to enjoy life to its fullest. Every day is important and I need to do better for sure but I’m trying,” he said.

Ohio Steel Recycling is located at 13141 National Road, Etna. Call them at 740.927.5384 and visit them online at www.ohiosteelrecycling.com.