Technology You Need, Service You Expect

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What does it mean when we say that VCNB has the technology you need and the service you expect?

It means that we understand customers today often prefer and even need technology when doing their banking and that we are eager make available as many of those tools as possible. On the other hand, we know there is no substitute for the human touch and that our employees are still here to help whenever you need them.

For example, many of our customers enjoy self-service aspects that come with the mobile app and website. With VCNB Mobile, you can check balances, transfer funds, pay bills, send money to a friend, open an account and even deposit a check using the camera on your mobile device!

You can even apply for a mortgage on our website! Use our Mortgage Lending Center to find a lender near you, apply for a loan or try out one of our financial calculators.

VCNB customers are also enjoying the way that technology gives them access to a large ATM network. Use the MoneyPass app or website to locate one of 32,000 nationwide surcharge-free ATMs available near you.

There are even self-serve stations in our newly constructed and remodeled offices to make it easier for customers to access information and to self-serve rather than meet with a banker.

But what happens if you have a question about that checking account you opened online or if you’re not sure how to answer a question on the mortgage application? Maybe your teenager wants to open their Student Checking account online but has questions about how a checking account works.

We have a small army of people at the ready to help. You will find Customer Service Representatives available by phone and online chat. We also have personal bankers, tellers and mortgage lenders in our branches who will be happy to answer questions, give advice and help with whatever you need.

Here at VCNB we love to see customers come into our banks but we know this isn’t always convenient for our customer. That’s why we try to be here when you need us – both in person and through technology!

In fact, it may be unfair to say that we offer the technology you need and the service you expect.  After all, we want you to need and expect both of these things from VCNB!

 

 

 

 

Vicki McCathren Retires From VCNB

When Vicki McCathren started her career at Vinton County National Bank, the banking industry was just ramping up its use of computers in branches. Online banking was still in its infancy and the concept of a phone app where customers could take charge of their money was still a few years down the road.

On Friday, she will retire after almost 21 years with the bank and a wealth of knowledge about tasks that customers likely never think about but that are important behind the scenes work.

Vicki McCathren 2019 Retirement“It’s incredible the changes I’ve seen over the years,” Vicki said. “The changes in how we do things, in the technology is pretty amazing. Banking is so much easier for the customer too.”

Vicki started in the VCNB Customer Service Department, eventually working her way up to be department supervisor. At that time, Customer Service encompassed not just traditional customer service responsibilities but other work including inputting account information, balancing savings bonds, managing debit card disputes and a host of other things. “We all shared the work. Everyone knew how to do everything and we rotated responsibilities. It was a great group to work with,” she said before describing how she went on to take a position in the bank’s Operations Department in 2007.

As Senior Operations Processor, Vicki has several daily responsibilities, most notably in the area of debit card disputes. “I’ve done debit card disputes for nearly 21 years,” she laughed. “No matter where I went in this bank, they went with me!”

That may be because Vicki has a flair for problem solving, the patience and attention to detail needed to work through a complicated situation and a customer service mindset that helps her appreciate how important this work is to the customer.

But she calls herself a “Jack of All Trades” and emphasizes how well her department works together. “There are things that I do every day and things that I know how to do so I can help if someone needs help or if they’re on vacation. We keep really busy but we work well together. It’s been a great group of ladies and gents to work with,” she explained.

Vicki said that her department is experienced at problem solving – both from having years of experience to draw from and because of their research skills – and that they often serve as a resource for bank employees who need assistance for the customers. “Everything we do is for the customer. Without our customer we wouldn’t have a bank so it’s important to take care of them,” she said.

She is looking forward to retirement, hopeful that she will have the time to simply enjoy life and to spend more time with loved ones. She’s especially looking forward to having more time with her husband and eleven grandkids and may take on a volunteer gig at her grandson’s school. “I have no big plans for sleeping in or anything like that. I just want to see what I can get into!”

She smiles at the thought of lunches with her sisters and beams at the idea she will soon have time to cook big meals for her family – about 75 people including her siblings and their children and grandchildren. “I like cooking and feeding my family but it’s hard to do when you’re working,” she smiled.

“I remember when I was a kid and how simple things were. Time was slower. Life was easier. Sunday was a day to rest and to have a big dinner as a family. You’d sit on the porch and watch it get dark so you could catch lightening bugs. I’m hoping to recapture some of that,” she said while talking about bringing loved ones together.

Never one to be the center of attention, Vicki has asked that her last day of work be low key. In lieu of a party, she requested cake and a quiet celebration with her coworkers in the Operations Department. She will retire Friday, just two days shy of her 21st anniversary with the bank.

Congratulations Vicki! We will miss you!

 

 

 

New ATMs Are Coming To Most VCNB Branches

Exciting changes are coming to the ATMs at most of our bank branches! These modern ATMs essentially are a 24-hour branch for basic services that you can access from your car.

The new machines have larger, easy to read touch screens and a couple of features that our customers are already loving.

With intelligent deposit, customers are able to deposit both checks and cash without an envelope. Because of this, immediate access is granted to all the cash you deposit. Better yet, up to $500 of a check can be immediately accessed.

That means when depositing a check, you can immediately withdrawal up to $500 of that amount!

VCNB Vice President of Operations Bryan Radabaugh said that the new machines have been well received so far. “People seem to be loving it. They’re easy to use, easy to read and they give you access to your funds much more quickly than the old machines,” he said.

Making a deposit with these machines is easy. Simply insert your debit card, hit deposit and follow the prompts on the screen. Because deposits are not in an envelope, the machine reads each check and each bill individually, allowing the machine to calculate the deposit amount and allowing the customer to know their money is all accounted for in the deposit. If the customer disagrees with the machine’s calculations, there is an option to request the funds be returned to the customer rather than proceeding with the deposit.

The customer’s receipt for the completed transaction indicates the number and type of bills deposited, along with images of the checks they deposited.

This is a far cry from the old style machines which require customers to place their money in envelopes. Because the machine cannot tell whether the envelope is empty or full or whether the amount the customer types in is the correct amount, customers using the old machines have to wait to access their funds on the next business day.

Radabaugh said that his reports show ATM deposit usage has seen impressive increases in the branches with new ATMs. “We’re seeing a lot more people deposit in the evenings after the bank closes and even in the morning before hours. Sundays are also busy because many people are simply unable to bank during conventional hours,” he said.  “We don’t want anyone feeling like they’re not welcome in a branch but this is another channel for someone who struggles to make it into the lobby.”

The project, which started last fall, will be completed in early 2020. Branches with completed ATMs are Pataskala, Logan, McArthur, West Fair Avenue in Lancaster, Bremen, Laurelville, Commercial Point, Circleville and Grove City. A new ATM will be installed in Ashville in time for the opening of that new branch this summer. Customers at any of the above branches can request a demonstration from branch staff. Our employees will be happy to help you!

 

VCNB Customers Can Access Over 32,000 Surcharge Free ATMs

VCNB rolled out something earlier this year that’s been a game changer for many of our customers. It’s called MoneyPass®. Have you heard of it?

No?

Well, keep reading because we think you’ll like what we have to say.

MP_2CF(lg) [Converted]Moneypass is a network that allows VCNB customers to use more than 32,000 ATMs nationwide surcharge free! It’s easy for you to use and will provide you with access to an ATM nearly anywhere you go in the United States.

This means you can still access your VCNB accounts via an ATM without paying a surcharge when you’re on vacation, away at college, traveling for work or visiting family coast-to-coast.

Here’s how it works!

  1. Visit their website or download the MoneyPass app.
  2. Search the zip code where you need an ATM.
  3. Choose the ATM you wish to visit!

MoneyPass will even give you driving directions to your destination. It’s as easy as 1-2-3! Visit the MoneyPass website to get started or visit the App Store on your mobile device to download the MoneyPass app today!

Small Business Spotlight: Raccoon Creek Outfitters

Small businesses are important to communities and running a business is tough work. That’s why we feature a small business in one of our communities every month!

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Small business owners tend to be passionate about their work. Even so, it’s hard to match the enthusiasm and pure joy of Bobbi Hoy when she talks about Raccoon Creek Outfitters, the Vinton County business she and husband Dustin started together.

What began as a dream is now in its third season and growing every year. “People thought we were crazy when we opened. We started in April 2017 with 28 canoes and eighteen kayaks. Now, we’re in our third season and have 106 boats. There are times we have them all out on the water at once,” Bobbi said. “It’s amazing how much we’ve grown.”

2.jpgRaccoon Creek Outfitters does it all.  They offer kayak and canoe rentals, a store and campground. They even offer their grounds for event rental.

The livery offers canoe and kayak rentals for five and seven mile routes, giving customers everything they need for a leisurely trip down the Raccoon. “This is a good creek to start on. It’s not fast moving water so you can go at your own pace,” she said. “One thing that makes it a little different is that we left the tree tops. That means it’s not just a lazy river. You have to paddle, to steer, and that makes a more enjoyable experience.”

All skill levels are welcome at Raccoon Creek Outfitters but they are pleased to introduce their passion to the beginner. “It’s ok if you’ve never even held a paddle before. We’ll take you out to the landing, show you some techniques and let you practice before we send you out,” she said.

3With 34 acres situated along the peaceful shores of Raccoon Creek in eastern Vinton County, it’s an ideal place to camp. Primitive campsites are available along the creek banks while RV sites with electric hookup are available as well.

A shelter house and large kitchen are available to rent for events such as reunions, parties and festivals.

Plus, the store offers a large variety of Bonafide and NuCanoe kayaks, life jackets, fishing gear and other supplies. They also sell Bending Branches Paddles, Yak Attack gear, Anchor Wizard anchoring systems and Venom Lures.

But the Raccoon Creek story isn’t really about the boats and other tangibles the business offers. It’s actually about the people and the exploration of the natural world they encourage here.  “We say that you may come here as a stranger but you will leave as family because if you’re a friend of ours, you are family,” Bobbi explained.

Their sense of friendship and family extends to their team as well. “We don’t have employees or staff. We are a team here and everyone is valuable to the team,” she said. “My husband and I always had jobs where we worked for someone else so we know how important it is to feel valued. That’s why everyone has a say and that’s part of the reason everyone loves coming to work.”

boat 1.jpgDustin Hoy worked for and managed another canoe livery for several years, learning the ropes in hopes of someday pursuing his dream to own his own livery. “Dustin is the backbone. He’s knowledgeable in every aspect of the boats and, if he doesn’t know it, he’ll learn. It’s his passion, his dream, and I’m lucky enough to be living it with him,” she said with a smile.

It is a family affair as Bobbi’s brother manages the business while her two kids help out as well. “Family is everything to us and we are proud to have our family working with us and cheering us on,” she said. “We wouldn’t be here if not for Dustin’s mom (Arretha Hoy) who helped us get this place and for so many others who have helped us along the way. If it wasn’t for them we wouldn’t be here.”

She also credits those who help to promote the business every chance they get. For example, her sister Adeanna Chandler was the first customer they put on the water and one of their biggest fans. “She has a stack of business cards and she gives them to everyone she sees. She advocates for us in so many ways and my appreciation for her is big to say the least. My parents Dean and Carol Chandler, also tell everyone about us. It means the world when people have your back!”

The Raccoon Creek Outfitters team consists of Mark Chandler, Rose Chandler, Cecilia Chandler, Bret Chumley, Brett Coleman, Justin Turner, Clinton Lester, Tessa Hoy, Alina Hoy, Okey Fitzwater and Arretha Hoy. They also credit their Pro Staff Team of Matt Davis, Reed Carpenter, Michael Jennings and John Shef.

When talking about the people who have made a difference, she mentioned several customers who have supported the company from the beginning including one family from Canada that comes every year as well as locals who come as often as they can.

“We are truly blessed. Life is so short, you have to learn to appreciate the little things and the wonderful people who surround you. Blessings come in all forms and we are overwhelmingly blessed,” she said.

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The company makes an effort to go the extra mile and to give back for all the good fortune they have enjoyed. From serving breakfast to campers every morning to free movie nights to helping out with community events, Bobbi said that her team enjoys staying busy and being involved.

They also offer a number of discounts including a ten percent discount for paddling their vessels to current military, veterans, nurses, law enforcement officers, EMTs, firefighters and teachers. Discount rates are available for 4-H clubs and large groups too.

Free Movie Friday is open to the public. Movies are family friendly and usually start around 9 p.m. every Friday from Memorial Day to Labor Day, weather dependent. Both visitors and the community are welcome to bring a chair and snack to enjoy this free event.

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Conveniently located near Lake Hope State Park, Uncle Buck’s Riding Stable and Dance Barn and the Moonville Tunnel, the staff encourages customers to take advantage of other activities in the area. It’s also just a short drive to the Hocking Hills State Park and to Ohio University in nearby Athens. “Whatever people are doing, we just want to help them get outside and to enjoy nature,” she explained.

Visitors will hear countless species of birds as well as frogs, whippoorwill and the gentle splash of an occasional fish jumping in the water. “There’s nothing like floating. I love being on the water. It’s so peaceful to hear the birds and the wind in the trees and to just become one with the water. I sound like such a hippie,” she exclaimed.

Visit their website or follow them on Facebook to keep up with upcoming events like Capsize Cancer and many others.

 

 

 

Debbie Harmon To Retire Friday

Debbie HarmonDebbie Harmon’s career has been a long and winding road since she started out as a Performance Dance major in college. Debbie will soon retire from the VCNB Family after a successful banking career and, while it isn’t the line of work she studied for, Debbie says her career working with customers has been rewarding.

She appreciates the community aspect of working for a community bank. “I like that the community is important to us and that people matter,” she said, pointing out that the branches are encouraged to support their communities and individuals are rewarded for their volunteerism.

“Community banking was a good move for me,” she said of her decision to take a position at VCNB about nine years ago. Prior to working for VCNB, Debbie was employed by a big bank and before that by Ohio State University as Coordinator of Student Loan Services.

Many of Debbie’s customers will remember her as Head Teller and later Branch Service Manager at Canal Banking Center. She moved to the Pataskala branch about a year and a half ago to help out as Branch Service Manager during an interim period.  “I liked my job before but had the opportunity to do more, to make the last year more interesting and to do more than I’ve always known,” she explained.

Helping people is a passion that has made Debbie a good community banker. “I like helping people, especially when I can take a customer’s problem or question and guide them to a solution from beginning to end. I don’t like to pass a customer off to another department or another person but enjoy working through the issue for them,” she explained.

Her eyes light up when she talks about the free time she will soon have. “I’m looking forward to having more time to take care of myself better. It may sound fuddy-duddy but I’m looking forward to being at home too. I love going and doing things, especially visiting places I’ve never been. It’s a big world and there are a lot of things to see and do but I like home too,” she said with laugh. “I’m not at all worried about how I’ll fill my time.”

Debbie reads a lot and enjoys writing as well. She and husband Guy have been married for 40 years and they have two children. She looks forward to having more free time with her family as well as time to work in her flower garden.

“It’s been easy coming to work here. Good friendships, good relationships, good customers – that’s truly been a blessing. But it’s time. It’s time to retire. Nothing has changed. I still like my job and still want to do a good job. You don’t always know why but you know it’s time to start a new chapter and now is the time for me,” she said.

Debbie will officially retire on May 31. A reception will be held on May 31 from 1 p.m. to 3 p.m. at the Pataskala branch of the Friendly Bremen Banking Center to honor both Debbie and Crystal Gregor who will retire the same day.

Bank Where You See Our Logo

Do you know how to spot a VCNB branch?

We have seventeen locations in eight Ohio counties and they operate under a few different names – Friendly Bremen Banking Center, Canal Banking Center, Hocking Hills Banking Center,  Jackson County Banking Center, Pickaway County Banking Center, Ross County Banking Center and, of course – Vinton County National Bank.

Embracing a community name is our way of embracing our communities!  While they may operate with different names, all of these bank branches are a part of the VCNB Financial Family and all embrace the same values and priorities that have been developed since our first bank opened in McArthur in 1867.

But how do you recognize a VCNB branch? That’s easy. Just look for our logo!

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Regardless of which VCNB branch you went to when opening an account, you can bank anywhere you see our logo. Need help finding a VCNB office? Click here!

 

What We Mean When We Say Relationship Banking

VCNB Billboard - Relationships Across Generations - (Rt. 50 Kenjoh Outdoor)

If you’ve seen our advertising and billboards this spring, you know that we’ve been talking about “Relationship Banking.” You might be wondering what that actually means.

To us, relationship banking is exactly what it sounds like. It’s about building relationships with our customers, bonds that last through a lifetime and often through multiple generations.

Whenever someone retires from our bank, we inevitably have customers who mourn the loss of their banker. For so many of our customers, their VCNB banker isn’t just someone who opens their account or loans them money. That person has helped them through many stages of life. From their first checking account to saving for a car or getting a first mortgage – their VCNB banker has offered sound advice over the years and has been with them through many stages of life.

This is how we’ve been successful for 152 years. We love helping you and hope to have the opportunity to help your kids and your parents and your friends as well. We want you to trust us so much that you open your child’s first passbook savings with us and that you don’t hesitate to recommend us to a friend searching for a new bank.

Our customer list is filled with countless examples of families who have been with us for generations. Don’t you want a banker you can trust? VCNB is here for you and for your lifetime of needs.