In the Know: Fire Prevention

This week marks a national observance that can literally save lives. National Fire Prevention Week is the longest running public health and safety observance on record and it runs through Saturday.

In 2011, American fire departments responded to 370,000 home structure fires that caused 13,910 civilian injuries, 2,520 civilian deaths and $6.9 billion in direct damage. Cooking remains the leading cause of home fires, followed by heating equipment.

As winter approaches, home heating and cooking become more prominent concerns for most households, making it a perfect time to assess risks, prevention and escape plans, according to the National Fire Protection Association (NFPA)

The 2014 Fire Prevention Week theme is “Smoke Alarms Save Lives: Test Yours Every Month.” Did you know that a working smoke alarm will cut your risk of dying in a home fire in half? Whether hardwired or battery operated, be sure to test your alarms twice a year (monthly is better) to ensure they are fully operational. When smoke alarms fail to operate, it is usually because batteries are missing, disconnected, or dead.

The NFPA recommends practicing safe cooking as two of every five home fires start in the kitchen. Fires that start with ignition of food or other cooking materials top the list of fire hazards in the kitchen as well as unattended cooking.

In other parts of the home, staying warm in the cold weather months can turn deadly if fire breaks out. Wood stoves and space heaters are common culprits in winter fires. These items placed too close to things that can burn including bedding, upholstered furniture and clothing can be highly dangerous. Failure to clean creosote from chimneys is another common fire hazard.

Smoking and unattended candles in the home are especially dangerous, causing millions of dollars in property damage and hundreds of deaths every year.

Finally, the NFPA recommends having an escape plan for every room of the house. Practice the plan with all family members and focus on improving escape times.

Want to teach your kids about fire safety? The NFPA has a great page for kids where they can play games and learn about fire prevention. Click here to visit their page!  Want to learn more about fire safety? Click on the images below to read safety tips for preventing home fires.

Enter “Thousands of Prizes” contest through VCNB

Fiserv

We are excited to announce that VCNB will participate in the Fiserv “Thousands of Prizes” contest this fall.

From October 1 through November 30, VCNB customers who use Online Bill Pay and Popmoney ® personal payment service on the VCNB website will be entered in a drawing for prizes.

Fiserv will give away thousands of prizes nationwide including iPads ® and gift cards for Amazon.com, Starbucks and Restaurant.com.

There are a host of ways to use Online Bill Pay and Popmoney. If you need to pay the dentist, your electric company or your homeowner’s insurance, Online Bill Pay is a quick and secure way to send payment. This service is free as long as you use it at least one time per month. Otherwise it costs $3 per month.

If you need to pay a friend or relative, Popmoney is the way to go. For just .50 cents per transaction, you can send money to anyone using just their mobile phone number or email address. You can also request funds from someone using Popmoney. So if your roommate owes you rent or friends owe for concert tickets, just send them a request!

Best of all, you will automatically be entered in the drawing with each Bill Pay or Popmoney transaction you make.

So what are you waiting for? Sign in to your VCNB Online Banking or Mobile Banking and look for the Online Bill Pay section to get started today!

Contest runs through November 30. See terms and conditions here.

VCNB sponsors financial literacy program in local schools

AT VCNB we believe that financial literacy is one of the most important tools that we can give a child. That’s why we offer a program called Financial U, provided by EverFi, to area high schools. Financial U is a web-based platform that teaches students practical skills to help them use and manage money as they grow into young adulthood.

Financial U combines the latest technology like video, animations, 3-D gaming, avatars, and social networking to bring complex financial concepts to life for young people. Topics covered include credit score, insurance, credit cards, budgeting, taxes, investing, savings, 401Ks and mortgages.

Teens embrace financial education through Financial U because it combines learning with technology.

Teens embrace financial education through Financial U because it combines learning with technology.

Students are able to apply their knowledge in a virtual environment where they can weigh the consequences of their choices and learn to make good decisions. Assessment data helps the teacher determine where additional classroom learning is necessary.

Essentially, Financial U makes money and finances fun while providing a rich learning experience.

VCNB Marketing Director Audra Johnson said that VCNB offers Financial U to local schools to help shape the next generation of youth into savvy consumers. ”Financial literacy is of critical importance to today’s youth. It teaches them life skills and better prepares them for their future responsibilities. We want the next generation to be savvy consumers and to have the skills to manage their money,” Johnson explained. “Our schools are the perfect access point to reach the young generation Financial U, being a web based platform, is the perfect program to do so,” she said.

Johnson also pointed out that Ohio law now requires financial literacy education at a time when school districts are struggling to stretch their classroom dollars to provide pupils the best quality education. Sponsoring Financial U helps to bridge that gap for school districts.

At this time, VCNB sponsors Financial U in nine schools including Logan, Berne Union, Southeastern, Chillicothe, Vinton County, Canal Winchester, Watkins Memorial, Fairfield Union and Teays Valley. There are plans to expand into additional school districts.

Do your kids understand how to manage their finances? Are they prepared for the financial responsibility that will come after high school graduation? Would you like to see Financial U offered in your teen’s high school? Tell us what you think in the comments section!

 

 

Coloring Contest Ends Soon!

Coloring Contest 2014

There are still a few days left to submit your child’s entry to the VCNB Fall Coloring Contest. Just print this coloring sheet or pick up a copy from your local branch. Then turn in their finished entry to your local VCNB office. Be sure to have your child write their name and phone number on the back so we know how to contact them if they win! A prize will be awarded at each VCNB Office. Hurry though! Contest entries are due by September 30, 2014.

Fall Means Fun For Everyone

Fall is almost here, bringing with it cooler temperatures, brilliant fall leaves and an open invitation to go outside and enjoy Mother Nature. Fall also provides ample opportunity to have fun with your significant other or entire family without breaking the bank.

Central and Southern Ohio are fortunate to have miles of walking and hiking trails in state and metro parks for people of all skill levels to enjoy. This is a free activity that’s good for your health and a great opportunity to enjoy the foliage and fresh air.

playground kidsIf you have little ones, a trip to the park is always a great way to pass a Saturday afternoon. Pack a picnic and turn the kids loose on the playground equipment. While you’re outside, if it’s a windy day, remember that kites aren’t just for spring. Fall winds provide a perfect opportunity to fly a kite. An inexpensive department store kite and an open area on a windy day can provide entertainment for kids of all ages.

If indoor activities are more your speed, think about creative ways to enjoy being inside. One great way to do that with kids is to camp inside. Whether you have a real tent or just blankets to drape over chairs, the kids will love their new tent or fort or whatever you choose to call it. Make it really special by baking cookies, playing games or watching a movie the entire family will enjoy.

Another fun way to enjoy fall indoors is to make a pot of chili and invite friends over to watch the big game. Set up a chili bar with fun toppings and ask your guests to bring a dessert to share.

Fall is great time to get out and play or to cozy up indoors without spending a lot of cash. Leave a comment and tell us your favorite fall activity!

 

 

Mobile Money Sign-Up Is Easy!

As more and more customers are getting excited about banking on the go, we are getting a lot of questions about signing up for our Mobile Banking.

Our Mobile Banking App allows you to enjoy secure access to your bank accounts anytime and anywhere. That means you can pay bills, transfer funds and check balances from your mobile device quickly and easily. All you need to get started is a phone with text messaging or internet capabilities and online banking.

Here are the steps to getting started!

60 Second App Sign Up

  • Go to the App Store or Google Play and download Touch Banking.
  • Enter the app code VCNB1867 and your online banking ID.
  • Answer your previously set security question.
  •  Enter your online banking password.

Easy Browser Banking or Text Messaging Sign Up

  • Log in to Online Banking.
  • Select the Options
  • Click on Mobile Settings.
  • Enter phone number and have your mobile device on hand.
  • Choose either Mobile Browser Banking or Text Messaging.
  • Select accounts to view by phone.
  • Read and accept mobile agreement.

Look for a text message to confirm enrollment with a web site address. Save it to your favorites for browser banking.

Sounds easy, right? That’s because it is easy. If you want to learn more about Mobile Money click here to watch a video.

Standard messaging and data rates may apply when downloading or using Mobile Money.

 

Bremen, Chillicothe to host final 2014 Shred Days

Our last two Shred Days of the year will be held this month! This free service is meant to help our customers safely dispose of important documents that shouldn’t fall into the wrong hands. We hold Shred Days in different locations each year.

Because identity thieves often zero in on the things people throw away, tossing the wrong item in the trash can jeopardize a person’s identity and their future. One way to safeguard your privacy is to shred paper and plastic documents with information you don’t want someone else to access. That is why we offer Shred Days!

Documents you definitely want to shred include anything with a signature, account number, social security number, legal information or medical information. Examples might include:

Credit card offers
Tax information
Old photo Ids
ATM and credit card receipts
Statements and bills for credit cards, utilities and medical treatments.
Bank statements and cancelled checks.
Check stubs Investment statements
Other important personal documents

 

Upcoming Shred Days will be held:

Sept. 20    Bremen Banking Center in Bremen                                  10 a.m. to noon

Sept. 27    First Capital Enterprises (505 E. 7th St., Chillicothe)        10 a.m. to noon.

 

We will gladly take up to five boxes per customer at each event. The box limit exists to prevent long lines and to ensure that we do not exceed truck limitations. We look forward to seeing you at Shred Days this month!

 

Quiz Time: Bill Pay Basics

We recently had a customer tell us that he wouldn’t use Online Bill Pay because he doesn’t want to lose control of his bills. That started us thinking about Bill Pay and the misconceptions circulating about this service. Test your Bill Pay knowledge with this short quiz:

When scheduling an Online Bill Pay payment, payments can be scheduled for:

a.) Just one time.

b.) To be recurring for as long as I like.

c.) Both A and B. 

The answer is C! You can schedule a single payment or a year’s worth of payments! Whether you want to schedule a payment every month or whether you want to put these things on auto pilot, Bill Pay can accommodate your needs.

 

One of your payees isn’t on the VCNB list of payees. What do you do?

a.) Call the bank and complain.

b.) Just write a check like you normally would.

c.) Spend a few seconds entering that payee’s information into your Online Bill Pay Account.

The answer is C! Entering your payee’s information into your Online Bill Pay Account takes just a few minutes and it is saved forever. You only go to the dentist twice a year? That’s ok! Her information will be saved and waiting for you when that next cleaning comes around!

 

The cost for Online Bill Pay is:

a.) There is no charge if you use it!

b.) Very unreasonable.

c.) Three dollars a month

d.) Both A and C

The answer is D! If you are registered for Bill Pay, this service is free as long as you make at least one payment during the calendar month. If you do not meet this minimum requirement you will be charged a three dollar fee. That’s just one bill paid per month to keep the service free!

 

Once your bill is paid, records of the bill are:

a.) Accessible online for up to seven years.

b.) Gone with the wind.

c.) Are kept for just a few weeks.

The answer is A! You can search your complete bill pay history for up to seven years! You may search by company, date or status. If you aren’t certain whether you paid your electric bill, the answer is a click away.

 

 Online Bill Pay can be used to pay:

a.) Established businesses

b.) People

c.) Both

The answer is C! Use Online Bill Pay to pay all your regular bills like credit card, utilities and car loan. The Popmoney ® personal payment service feature allows you to pay friends and family using just their mobile phone number or email address. (An additional .50 per transaction fee will be charged for Popmoney.)

Want to learn more about Online Bill Pay at VCNB? Click this link to watch a tutorial. Then log in to your online banking to get started!

Fight Procrastination – A Day Early

Tomorrow is “Fight Procrastination Day” and in the spirit of fighting procrastination, we decided to write about it a day early. There is an apt saying that compares procrastination to a credit card: it’s a lot of fun until you get the bill.

While procrastination can cause minor inconveniences in a person’s life, it can also be extremely damaging. For example, putting off a trip to the grocery store may inconvenience you by depriving you of milk for your morning cereal. Habitually paying bills late can leave you with a fistful of fees and a damaged credit score.

Every human being procrastinates sometimes. But for those habitual offenders or for those just trying to work around small fits of procrastination, we have some ideas. However, before you start changing your ways, it’s important to identify the real problems. Most people procrastinate for a few basic reasons:

Lack of time – They try to pack too much activity into too little time.

Fatigue – They are too tired to focus or to care about the work ahead.

Lack of organization – They either don’t have the tools needed to work on a project or are so disorganized they can’t find them

Distractions – The chatty co-worker, emails and social media provide a steady of flow of distractions and excuses to start that project later.

Fear – For some it is fear of failure and for others it is fear of success. Sadly, the fear of doing something wrong or looking silly holds back many good people.

Feeling overwhelmed –All of these factors add up very quickly to make a person feel overwhelmed and helpless.

Does any of this sound familiar? If so, read on for suggestions to help control the problems that cause procrastination.

  • Start with a strategically written list. Prioritize tasks, pairing difficult jobs with fun ones. For every difficult or unattractive task you complete, allow yourself to do something you will enjoy. Taking it a step further, do the work you hate the most first thing so that you have the worst part of your day behind you.
  • Have a large project or task that seems daunting? Break it down into manageable pieces. An old adage tells us to eat an elephant one bite at a time. Don’t hesitate to find ways to break a project into small, manageable pieces. It will give you a sense of accomplishment and prevent inertia from setting in.
  • Identify and prevent distractions. For example, schedule times throughout the day to check email. Either avoid or limit your time surfing the web, etc.
  • Use technology in your favor. From apps to track your to-do list to websites for project management, there is free technology available to help. You can even use online tools that temporarily block certain websites for a set amount of time.
  • Set a timer on your phone or computer to help you stay on schedule. If you are encouraged by rewards, allow yourself to earn a break every time you meet a deadline.
  • Seek shortcuts to make your work easier or more enjoyable. The fact a project has always been done a certain way doesn’t mean you have to do it that way forever. Look for ways to streamline workflow and make it go more quickly or smoothly (just check with your boss first if you are making changes at work).
  • Make lifestyle changes so that you have the energy and stamina to be alert and productive. Get plenty of rest, eat well and exercise to give you more energy and a more positive outlook!
  • Keep your environment clean and organized. There’s nothing more discouraging or distracting than piles of dishes in the kitchen or an avalanche of papers on your desk. Give everything a place and put things away as soon as you are done with them.
  • Don’t be overwhelmed or fearful of the tasks at hand. Just keep your eye on the prize and remember that the best way to complete a task is to get started!

Are there tips here that can help you? Try them today!