Not Your Average Card

RCBC Billboard - Not Your Average - (Bridge Street Digital)

You may receive a lot of offers in the mail for average credit cards but we are sure you haven’t received an offer for a card or rewards program like ours. In fact, we like to say that we have debit and credit cards that simply aren’t your average cards.

That’s because our Rewards Checking debit card and Visa® Platinum credit card work in tandem to reward you for your regular banking and purchasing activities. Those uChoose Rewards® points can be used for a host of things including cash back, gift cards, travel and merchandise. If a customer has both cards, those cards can be linked to one uChoose account to help the points accumulate more quickly!

Here’s how it works:
With Rewards Checking, customers can earn one point for every $3 spent as well as 200 bonus points for 21 or more purchases per statement cycle.  We also offer points for using Online Bill Pay, Direct Deposit and for automatic loan payments. Customers are even rewarded with 500 bonus points on the anniversary of the account! With the Visa© Platinum Credit Card, customers can earn one point for every dollar spent!

See what we mean when we say it’s not your average rewards program? That’s because we’re not your average bank.

Now through August 31 we are offering an exceptional summer special so that you can earn even more points just for signing up for Rewards Checking and/or a Visa Platinum Card.* Sign up for a Rewards Checking Account or a Visa Platinum Card between June 15 and August 31, 2018 and receive 5,000 bonus points. Sign up for both the credit card and the checking account during that period and you’ll receive 15,000 points!

Are you ready? Stop by your local office or click here to get started! 

*Credit restrictions apply. Not all applicants will qualify for this promotional offer.

Three ways you can protect your cards from fraud

In our industry, we see data breaches involving major retailers almost every day. This is an enormous, far reaching industry that involves criminals stealing personal and card information which has far reaching consequences for retailers and banks as well as for customers who are frustrated and frightened by the threat to their information and money.

That is why VCNB spends a lot of money and resources to make sure that the bank and bank customers are protected. We have a top notch Fraud Department that monitors your activity, looking for things that are out of the ordinary so that we can stop fraud from occurring.

What happens if there is fraud?
If we confirm that your card has been used for fraudulent activity, we will turn it off immediately. The card will be closed so that it cannot be used for any purchase that you or someone else may attempt to authorize. We will then order a new card for you and will offer to issue a temporary card that you can pick up at your local branch. This temporary card is designed to get you through until your new permanent card arrives.

But what happens to the money that was stolen from you? You will need to contact the bank to file a dispute. It is through this dispute process that the bank will credit your money back to your account. If it is proven that the charge was fraudulent, you will not lose your money.

How can you protect yourself?
VCNB spends a lot of time and money to keep your accounts protected but we can only do so much. We rely on you, the customer, to monitor your own account activity. Here are three free ways you can do that:

  1. Turn off your card when you’re not using it. Yes, you read that right. You have the ability to turn your card off when you’re not using it and back on the minute you need it again. This can be done using VCNB Mobile or the Card Valet app for your debit card. You can control your VCNB Visa® card with Card Valet. We have customers who will turn their card on while standing in line at the store or when they pull up to the gas pump. When they finish the transaction, they turn off their card again before putting it back in their wallet. It’s a quick, easy and secure way to control how the card can be used.
  2. Monitor activity. This can be done in a few ways. Using Card Valet you can receive a text each time your card is used. You can also monitor activity in the VCNB Mobile app and on our website. Finally, you can sign up for free Account Alerts so you can receive a text or email every time your card is used. These are all free services to help you look after your money and accounts. If you see something suspicious or something you don’t recognize, contact the bank immediately.
  3. Place limitations on your card. Using VCNB Mobile or Card Valet, you can set limitations for each of your cards. You can set a monetary spending limitation as well as limitations on where a card can be used. You can determine a geographic area where the card can be used and say that it can only be used at certain kinds of retailers like grocery, gas stations or department stores. You can also place a monetary limit on each card so that it can be used for no more than $100 or whatever limit you choose. You can apply different limits to each of your cards and change them as you see fit.

We ask for your cooperation as we attempt to keep your money safe. If you see something that looks suspicious, we ask you to contact the bank immediately so that we can prevent a loss from occurring. This era in banking and currency has many conveniences but there are risks associated with using your cards, even with the retailers you trust the most. We thank you for your help keeping your money safe.

Small Business Spotlight: Bay Food Market

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

Bay Food Market 1

If you’ve ever driven the roads of Fairfield County or the streets of Lancaster, you’ve no doubt seen one of the red Bay Food Market vans traveling about. It’s a brilliant yet simple piece of marketing, and the vans have become nearly as iconic as the little market on the corner of Maple and Walnut Streets in downtown Lancaster.

Since 1932, Bay Food Market has been serving up quality meats with great service in a locally owned and operated neighborhood grocery. As Lancaster’s oldest independent grocery, the Fairfield County staple has become an icon in Lancaster and around Ohio.

Bay Food Market was recently selected by Ohio Secretary of State Jon Husted to be featured for “Women-Owned Business” month, showcasing a handful of women-owned businesses around Ohio.  The grocery is owned by siblings Karen Kraft Crutcher and David Kraft, who received a special commendation presented by Secretary of State’s Regional Liaison Bob Kalish.

Specials - Ham Steaks & RibeyesThe few who don’t already know about the market are now finding out why local patrons and long-time regular out-of-town visitors make the market a regular visit.  Known for their wide variety of fresh cut steaks and chops, house made brats and fresh sausage, and ham steaks, bacon, pork belly, and a variety of sausages smoked in-house, they are also well known for their variety of high quality and creative beef patties, some made with a variety of cheeses and even bacon.

And while the patties fly out the doors, beef brisket has become a top seller, something that wasn’t always the case, says co-owner David Kraft.  “It wasn’t until people started smoking (brisket) in maybe the mid-2000’s that it was anything special.  We actually used to grind it up.  But those meat smokers changed the game,” he explained.  On a visit to Texas, David said he kept seeing brisket on the menu and offered as a cut in local markets.  Once he saw what was happening and the popularity it was gaining, they revamped their strategy for this particular cut in their own market and stopped grinding it.  It’s become one of the most popular sellers, showing that a business as old as Bay Food Market is never too old to adapt and evolve.

Custom party trays and grill boxes are a hit with customers and it’s not uncommon to find something new and creative being offered behind the counter.  A recent visit saw Apple Brats on the price board, a secret concoction that David said exemplifies the inventiveness of their business.  “We’ll try to make anything – whether it’s by request, or just an idea that pops into our heads!”

And Bay Food Market is not just a meat market – you can find everything you need for your pantry, kitchen, cookout, or even your pet.  Fresh ham salad and beef barbeque are a regular offering.  Fresh produce, baking goods, sauces, spices and seasonings line the shelves, and local favorite Conn’s Potato Chips and Snacks are prominently offered.  Sweet treats like Pumpkin Rolls from Margaret’s Heritage Kitchen in Bremen can be found, as well as massive jars of pickles perfect for your cookout and dog treats and dog bones for your furry friend.

 

However, the meat is what drives business and it all comes from their state inspected meat processing facility – the only fully inspected red meat facility in Fairfield County. This means that an inspector from the Ohio Department of Agriculture is in their facility any time meat is being processed. The inspector is looking for quality and safe food handling practices.  The majority of their meat is not prepackaged or frozen, and their practice of only purchasing from farmers that do not use growth hormones and that limit their antibiotic use to an as needed basis assures that no additives or preservatives are added.

For a fantastic deal on filets or ribeye, smoked ham steak or New York strips, Bay Food Market is where you’ll find it.  The grocery is located at 301 South Maple Street in Lancaster, and can be contacted at 740.653.9606.  For hours, payment options, specials, and answers to frequently asked questions, visit them online at https://www.bayfoodmarket.com/ and find them on Facebook at https://www.facebook.com/BayFoodMarket.  Pay attention to their frequent contests, as you may be the next Fan of the Week!

 

Don’t Let Friends Derail Your Finances

Over the past few years, Meghaan Lurtz has had to turn down two destination bachelorette parties for dear friends. She was in graduate school and didn’t have the money to go.

“It felt really crappy, because these are people that I know and I love and I care about, and I absolutely wanted to be there,” she says. “But finances are what they are. You have a budget, and budgets have restraints.”

Lurtz is the president-elect of the Financial Therapy Association. She’s counseled people who’ve been in similar situations and said yes to both the pricey activity and, in turn, credit card debt.

After all, it’s hard to turn down fun with friends. But that fun can add up, as buddies expect you to shell out for group vacations or smaller expenses, like dinners, drinks and concerts.

Here’s how to determine whether you’re spending too much with friends and, if so, fix your finances without hurting your relationships.

Reflect on your — not your friends’ — finances
First, recognize that everyone has a unique “money mindset” that shapes financial decisions, says wealth psychology expert Kathleen Burns Kingsbury, author of the recent book “Breaking Money Silence.” Income and savings certainly play a part, but so do our upbringings, personalities, cultures and values. “What’s important to you and how you spend your money might be different than your friends,” Kingsbury says.

» QUIZ: What’s your money personality?
So resist giving the side-eye when your friend goes for those $600 boots — that’s her decision and her money. Instead, “try to come up with your own philosophy around money,” Kingsbury says. Determine what’s important to you — traveling the world, paying off your credit card debt or buying a home, for example. Then prioritize accordingly.

Kingsbury suggests scrutinizing last month’s credit card and bank statements to make sure your spending aligns with your priorities. Aim to get a broad sense of where your money is going and whether you ought to adjust your spending habits.

For example, you may want to course-correct if you spent $500 at the bars but put $0 toward that home you’re saving for. Creating a budget, if you don’t already have one, will help.

Spend less money (not time) with friends, if needed
Say you realize you’re overspending on social activities with friends. This problem is pretty common, Lurtz says, and it’s often driven by FOMO — the fear of missing out. You may say “yes” to every pricey dinner or group trip, for example, even though your budget screams “no.”

Remember that the point of these outings is likely more about spending time with friends than it is about eating or vacationing, Lurtz says. “So, if you can be with the person in a less expensive way, do it,” she adds. Here are a couple of strategies:

Use cash. Participate in the activity, but leave the plastic at home and bring only the amount of cash you feel comfortable spending. Unlike swiping a credit card, handing over cash feels more substantial and forces you to use “mental accounting,” Lurtz says.
“Believe me, you’re less likely to buy a round of shots for all your friends when you only have a $50 bill in your pocket,” she says. And you still get to hang out. “You’re out there, you’re going, but you also have the pride in knowing that you prioritized your goals.”

Focus on the friendship. You can always pass on activities you don’t want to spend money on. Fight that FOMO by spending time with friends in a different way.
For example, skip the $100 dinner with your crew and grab a $5 latte with those friends the next morning. “You’re honoring the friendship” and showing interest in spending time together, Kingsbury says. “But you’re coming up with an alternative for the connection they’re trying to have with you — at your spending level.”

Discuss money with friends
When you pass on an activity, thank your friends for the invitation and give them plenty of notice. Be honest about your financial priorities and respectful of theirs, Kingsbury says. Rather than complain about their expensive tastes, explain that you’re trying to save for a home, for example.

An open talk about your financial goals — and your friend’s, if she’s up for it — does more than lessen the blow of a declined invitation. It can help you become better friends.

Discussing our money and values, Kingsbury says, “increases intimacy and helps us understand where the other person is coming from.”

More From NerdWallet

The article Don’t Let Friends Derail Your Finances originally appeared on NerdWallet.

Money Tools To Help High School Grads Succeed

Celebration Education Graduation Student Success Concept

Graduation season has arrived, ushering into the world a new group of young people who are headed into the workforce and into higher education. If you’re among the scores of high school graduates this season, there are some things you’ll need to succeed financially.

Checking Account
Everyone needs a checking account. It will keep your money safe and accessible.  Not only is money in the bank protected from flood, fire and robbery, it is also FDIC insured.* This means your money is safe until you are ready to use it. Yet it is still easily accessible for online bill paying, for purchases with debit card or check and for withdrawal from an ATM, bank, or cash back in a store.

Savings Account
One piece of advice we hear from older folks all the time is to start saving early. Even if you don’t have a lot of money, it’s important to stash away as much as you can every chance you get. A VCNB Passbook Savings account gives you a safe place to keep your savings separate from the spending money in your checking account.

Online and Mobile Banking
You are on the go a lot. That means you will want to have quick access to your money. You’ll want to know how much you have, be able to schedule bill payment online and transfer funds between your checking and savings account with ease. Having online banking and mobile banking, like VCNB Mobile, your accounts are at your fingertips 24 hours a day.

Debit Card
As mentioned above, you need to be able to buy things. A debit card is safer than carrying around a pocketful of cash. Most retailers today accept plastic making it the most popular way to pay in most stores and restaurants.

Popmoney
Here at VCNB we offer something called Popmoney® personal payment service that allows customers to send money to another individual with just their mobile phone number or email address. If you’re headed off to college, this is an easy way for parents or grandparents to send their favorite college student a little pizza money from time to time.

Here’s a little more food for thought – You may think these crazy bankers have unrealistic expectations. You are just starting out and don’t have much money to save or to spend so you’re wondering why all this is so important. We’ll tell you why: when you’re young and without resources is a great time to learn how to do more with less. We find that people who learn to manage a bank account when they have limited funds are more likely to manage their money well when they are more established with a full time job and higher income. When you have a small balance and just a few bills is a perfect time to learn how to create a budget, reconcile your account and manage your finances responsibly.

One last thing – While you’re just getting started in a career or higher education, it’s important to think toward the future and toward building good credit. Talk to your parents and to a trusted banker about applying for a small balance bank credit card which you can learn to manage responsibly or about co-signing for a small loan so you can get the hang of paying a monthly payment for something you need. Building a strong foundation for credit usage which you manage responsibly is something everyone should work toward.

You can open accounts online or stop by your neighborhood VCNB office to talk with one of our local experts and to get started.

*FDIC deposit insurance covers the depositor up to $250,000 per depositor and per account type at each bank.

 

Paying Allowance Can Pay Off, If You Do It Right

Kids  with piggy bank.jpegYour child wants to know why one friend gets $10 a week, another gets a whopping $50 — but he or she gets zero. Should you give in and pay your kid an allowance?

When it comes to helping your child learn the value of money, an allowance gets a thumbs-up from financial experts. “Kids have better money habits if they’re given a chance to make money choices,” says Roger Young, a senior financial planner with financial advisory firm T. Rowe Price. “One way to do that is to provide them with an allowance.”

  1. Rowe Price recently released its annual “Parents, Kids and Money” survey, in which  66% of parents reported giving their kids an allowance. But few moms and dads simply hand over cash without a requirement, such as doing chores or earning good grades. Most report that their children have to earn their allowance.

How much is enough?
According to the survey, more than half of parents who give an allowance give $10 or less per week. But there is a wide range — one out of every 10 parents gives more than $50.

If you decide to give an allowance and your child has friends who are getting more, be prepared for complaints and requests for more cash. If those arise, ask your child to focus on his or her own money goals, says Joe Santos, a financial advisor and Los Angeles-based regional executive for Merrill Edge, the Merrill Lynch online investing platform.

It might also be a good time, he says, to talk about the futility of trying to “keep up with the Joneses” — after all, the most important factor in deciding whether to offer an allowance is your own family budget, not someone else’s.

If you’re already giving your child an allowance but have room in your budget to meet a request for more, consider asking what would justify the raise, says Christopher Krell, a certified financial planner and principal at Virginia financial advisory firm Cassaday & Co. For example, the child could offer to take on more responsibilities in caring for a family pet.

How should an allowance be spent?
Krell suggests urging young children to earmark a third of their money for savings, a third for spending and a third for sharing or charity. “As kids grow into their teen years,” he says, “they can also learn how their savings accounts get a boost by calculating compound interest.”

“Share with your child that it’s not what they have,” Santos says, “it’s what they keep.”

But don’t expect children to always make smart spending decisions. They might blow through their allowance right away and later realize there’s something they really want to buy, but they’re out of cash, Santos says. It’s best if parents resist the urge to bail them out. “They can learn the consequences of spending all their money too quickly,” he says.

With an allowance, children can learn how to save and earn interest on their own money until they’re ready to make a desired purchase without incurring debt. That’s a good lesson at any age.

Small Business Spotlight: Zaleski Candle Works

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

One of southern Ohio’s most unique gift shops is just a stone’s throw from Lake Hope State Park in Vinton County.  The shop is special, not just for the products offered, but because of its location. Zaleski Candle Works is housed in a nineteenth century barn that was once the town’s livery stable, according to owner Susan Tripp.

The cheerful red exterior of the barn combined with a large quilt block at the peak make the shop easy to find. The antique doors and vintage décor outside make it welcoming to come inside where customers will find a fun collection of handmade candles, antiques, vintage items and reproduction vintage décor.

The original wood floors are marked with age, worn in places from carriage wheels and horse shoes. In places the walls reveal impressions of advertising from a bygone era and the old tack room is home to rows and rows of handmade candles.

Longtime visitors to the Hocking Hills might remember Susan’s first shop, Wicker Cabins Gifts, which was located in Vinton County near Ash Cave. She closed the shop when she got married and moved to Zaleski but missed the business and opted to try again in her new hometown.  “I really missed the shop and I missed the people. Some of the nicest people come here from all over the place,” she said with a smile.

Zaleski Candle Works opened in 2010, giving visitors to Lake Hope State Park a place to buy unique finds including Susan’s handmade candles. “People who grew up coming to Lake Hope are now bringing their kids or grandkids. Those people usually stay and talk,” she said.

With over two hundred scents and more in development, Susan’s menu of scents for candles and tarts is constantly evolving. Among her most popular are the Lake Hope and Moonville Tunnel branded candles. Many of the favorites are classic baked goods, apple, coffee and floral scents. Others are a bit more unusual like “Monkey Farts,” a fruity scent with a name that always generates conversation. She said men tend to like the whiskey and bourbon scents.

Some customers blend different scents, using them in different rooms. Susan enjoys blending Kettle Corn and Mulberry because the resulting aroma evokes a childhood memory. She said that Coffee and Hot Buttered Rum is another pair that blends well.

Whatever the scent, Susan takes pride in the fact her candles and tarts hold their scent longer than most of her competitors. “Personally, I want my scents to last longer so I make them that way for my customers,” she said.

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In addition to selling candles from her shop, she also sells at the Lake Hope State Park Gift Shop, the Rusted Barn in Wellston and several Shriver’s Pharmacies. She also can do custom orders where a customer provides the container as well as large orders with custom labels for special events like weddings, reunions and holidays.

The shop also carries a nice variety of antiques, vintage items, primitives and reproduction décor.

In the summer Susan keeps cold drinks and snacks for sale and plans to put a picnic table under the trees for customers to enjoy the shade and a little rest from their hiking or their retail therapy. Another addition she is planning is a line of homemade soaps.

“This has been a really good thing for me, having the store. I like doing my own thing and I’ve always enjoyed making things,” Susan explained. “I also love meeting people and hearing their stories, especially when they’re repeat customers. Some of my customers I look forward to hearing from and seeing every year. It’s just a good fit for me!”

Zaleski Candle Works hosts a fall open house every November. Follow them on Facebook or call 740.596.7054.

 

Five Reasons We Love Our App

A lot of our customers say they just use the mobile app to check their balances or to see if a charge has gone through. We think that’s super but VCNB Mobile has so much more to offer that we wanted to chat with you today about some other features we think will make you love the app as much as we do.

It offers protection and security
You can use the mobile app to turn your card off when you’re not using it and even to limit spending functions. With a tap of the screen you can turn off your card and then turn it on again when you’re ready to use it. Limit how much your card can be used for in a single transaction, the types of vendors where it can be used and even the geographic area where it can be used.  Say you plan to only use your card at grocery stores and gas stations within a thirty mile radius and you never want a single transaction to go through for more than $200. You can set those limits and then change them as your needs change! 

You can deposit checks
We get how busy you are. In fact, even bank employees don’t want to spend their lunch break making a bank deposit. Instead, you can deposit checks with your mobile app. See full instructions within the app to see how easy this is.

You can pay bills
Online Bill Pay is one of the best features of the app.  From your dentist and accountant to your utility bills, it’s easy to schedule one time payments as well as those that recur.  Some businesses can accept payment electronically while others must be mailed a check.  You choose when they receive their money and we take care of the rest. Even if we have to mail them a check, there’s no charge to you for using this service. However, if you sign up for Online Bill Pay and don’t use it at least once each calendar month, we will charge a fee of $3. Still get a paper bill? Digitize it with VCNB Mobile by taking a picture of the bill!

You can pay people too
Another feature you may not be using yet is Popmoney® personal payment service. Use Popmoney to send money to an individual. Repay your parents the money they loaned you or send a coworker funds to chip in on a gift for the boss using Popmoney.  Plus, if someone owes you money, you can send them a request for payment. All you need is the recipient’s mobile phone number or email address. No personal banking information is required and there is no fee for using Popmoney.

It’s convenient
Banks like to talk about convenience and ease of use when promoting their mobile apps but we are sincere when we say it is convenient and that it’s so simple to use anyone can use it. It is arranged with an easy to follow menu at the bottom of the screen and the numerous options are organized so it’s easy to find what you need.

What’s your favorite use for VCNB Mobile? Tell us below in the comments section. We would love to hear from you!

Four Ways To Spring Clean Your Finances

Spring is a great time to clean up your finances! Here are four easy ways to get started!

  1. Review your credit report –It is important to make sure your credit report is accurate and free of mistakes. By law, you are entitled to order one free credit report each year from each of the three major credit bureaus. Access yours here. 
  2. Review your budget and plan to pay off credit card debt – Is your budget current? Do you even have a budget? Every person with an income and expenses needs a budget to help them know what is happening with their money. While reviewing your budget, also look at your debts. Do you still have leftover holiday debt hanging around? It’s time to knock that out.
  3. Start an emergency fund – Most Americans have less than $1,000 saved. If faced with a crisis, how would you pay for it? Putting away just a few dollars every payday can be a big help in an emergency. Click here to open a Passbook Savings at VCNB with as little as $100.
  4. Organize and shred old financial documents – Sort through your old files and only keep what you absolutely need. Remember, the IRS has up to six years to audit you so be sure to keep tax records and supporting documents for that long. Learn more here.

A couple more thoughts – take a look at your bank accounts, credit cards and even the way you pay your bills. Are you paying too much credit card interest? Are you pleased with your checking account? Talk to a VCNB account representative about how you can be rewarded for your credit card purchases with a Platinum Visa© Card and for your everyday banking habits with a Rewards Checking Account at VCNB. Also ask about how Online Bill Pay can save you time and money and even prevent late fees!

Finally, we just confirmed some shred days for two of our offices:

May 5, 2018 from 10 a.m. to Noon
Canal Banking Center
 
June 9, 2018 from 10 a.m. to Noon
Friendly Bremen Banking Center (W. Fair Avenue location)

This is a great, free way to safely dispose of important documents that you do not need to keep. We’ll post more information as it becomes available!
 
Learn more about our Rewards Checking Account, Platinum Visa, Online Bill Pay and other VCNB products here!

Now Is The Time For Home Improvements!

JCBC Billboard - HELOC Now is the Time - (Jackson Digital)

How long is your home improvement wish list? Is there something special you would like to do that would make your home perfect? Is it the bathroom of your dreams or a bigger kitchen to accommodate your growing family? Maybe you want a more spacious family room or a pool so your home can be the hangout for all the neighborhood teens?

Whatever it is you would like to accomplish, here at VCNB we believe that now is the time to make those dreams a reality. Now through June 30, open a new home equity line of credit to receive an introductory annual percentage rate (APR) of 3.99 percent for the first twelve months.

If you have equity in your home, why not use it to make your house the home you’ve always wanted it to be? See below for the terms of this promotion and click here to get started! 

This promotion is available April 1, 2018 through June 30, 2018. The introductory Annual Percentage Rate (APR) will be fixed at 3.99% for the first (12) months from the note date and will be terminated at the end of the twelve (12) month period. After the introductory period, the loan will become a variable rate loan. The subsequent APR may vary from Prime Rate (index) to Prime Rate plus 0.25% (margin is dependent on loan-to-value ratio). Prime rate is based on the current rate published in the Wall Street Journal. As of March 22, 2018 that rate was 4.75%. The current APR using the prime rate plus the 0.25% margin is 5.00%. The APR will never exceed 18.00%. This promotion applies only to new lines of credit. Promotion available for single family, owner-occupied, primary residence only; excludes manufactured properties. Minimum line amount of $10,000 is required. Maximum loan-to-value ratio is 89.00%. After the initial 12 month period there is a $50.00 annual fee. Title Insurance and Survey Fees will be assessed to borrower for loans of $100,000 or greater. Fees range between $350.00 and $1500.00. Property and flood insurance will be required, if applicable. Applicants must successfully meet our Home Equity Line of Credit underwriting standards. Not all applicants will qualify for this promotional offer. Alternative rates and terms are available. NMLS #483350