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!

Quilt barn.jpg

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.

1.jpg

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.

This slideshow requires JavaScript.

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!

VCNB_V_CMYK

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.

 

VCNB Team To Compete In The Buck Fifty

When the Buck Fifty kicks off in Chillicothe Friday afternoon, a team from VCNB will be among a field of nearly a hundred teams hoping to conquer the challenging overnight relay race through Ross County. The course winds through several communities, along back roads and through the area’s state and national parks. While the region’s rolling hills and winding roads make a scenic backdrop for a run, the course is a grueling 150 miles of physical and mental challenges.

But this relay race isn’t just about winners and losers. It’s also about raising money for an important cause in Ross County. Buck Fifty proceeds benefit the Drug Free Clubs of America Program in Ross County.

VCNB Head of Consumer Lending and VCNB Team Captain Tom Oyer said that helping raise money for this important cause was part of the reason the bank wanted to participate. “It’s an important cause here in Ross County. All the money raised is used to combat the drug problems in the community, specifically young people in schools,” he said.

Race jersey

Look for the VCNB team jerseys during the Buck Fifty Friday and Saturday!

The bank’s participation in this third annual event was actually the brainchild of VCNB President Mark Erslan and Personal Banker Dustin Nusbaum. An avid runner, Nusbaum logs ten to twenty miles every week and has supported the Buck Fifty since its inception three years ago.

The Buck Fifty funds this program which has attracted 65 percent of all Ross County high school students, using a drug free pledge, education and incentives to keep kids clean.

The race begins on Friday and ends Saturday, mainly with ten person teams and just a handful of elite five person teams. The bank’s team consists of ten people from Chillicothe and other areas where the bank has branches.

Each ten person team is divided into two vans, with one van on the road at all times while one person is running. While the terrain is challenging, the schedule is grueling. It calls for participants to run several miles at a time, at three different times during a 24 hour span.

By day, Bryan Radabaugh works as Vice President of Operations at the bank’s McArthur office. In his free time he’s been training and looking forward to some family time with his two grown children who have also joined the bank’s team. “It’s going to be a lot of fun,” he said. “I’m in the same van as my kids so we’ll get to have some family time,” he said while describing the competitive spirit of son Bret, age 23, and daughter Hannah, age 20.

While Nusbaum has experience running this course, it will be a first time experience for the rest of the team. “It should be interesting for all of us. It’ll certainly be a challenge. You know, running is physical but it’s a mental thing too. Your body is saying ‘I can’t. I don’t want to do this.’ But you have to stay focused and use your mind to keep going,” Radabaugh said.

The VCNB Buck Fifty team consists of:

Mark Erslan, Chillicothe
Bryan Radabaugh, McArthur
Tom Oyer, Chillicothe
Mike Thurston, Pataskala
Gracie Rarick, Pataskala
Keirstan Mirgon, Lancaster
Josh Palmer, Pataskala
Dustin Nusbaum, Chillicothe
Bret Radabaugh, McArthur
Hannah Radabaugh, McArthur

“We’re all just proud to represent the bank and hope to do a good job,” Oyer said. “More than anything, we’re happy that the money raised at the Buck Fifty will be used for such a good cause.”

Best wishes to all of these volunteers who make up our team. We are proud of the work you do for the bank and look forward to seeing you compete this weekend! Want to learn more about the Bucky Fifty and how the money raised will be used locally? Click here for details.

Bonnie McDevitt To Retire This Week

Bonnie McDevitt retires 2019

Bonnie McDevitt

Ask Bonnie McDevitt to talk about herself and her upcoming retirement and her initial response is that there’s not really anything to talk about. Her next response is to start talking about the people in her work life and how much she will miss them.

A seasoned banker and customer service professional, Bonnie will retire on March 29 after working as a teller in our Pataskala branch for twelve years.

Before coming to work at our Friendly Bremen Banking Center in Pataskala, Bonnie worked as a teller for another bank for several years. Before that, she was Head Cashier at the JCPenney Outlet Store, working at the popular store for nearly twenty years.

Bonnie’s customers and coworkers will tell you that customer service is always her focus and priority. It is these people – her regular customers and her longtime coworkers – who Bonnie says she will miss the most. “I’ll miss a lot of customers, people I see regularly. But I’ll really miss my coworkers. Some of them I’ve worked with for a lot of years,” she said.

Retirement is something that has been on the horizon for some time. She cut back to part time hours three years ago, something that she says has helped with the adjustment. “I’ve gotten used to having free time so it’s not like I’ll just wake up someday and have nowhere to be.”

The Scio, Ohio native has been working since she was just sixteen years old. From babysitting to running a cash register to lots of other jobs in between, she says that growing up in the small Harrison County town was beneficial. “Never have I regretted growing up in a small town. It was a good place to grow up and I got a lot of good experience and values from being from a small town,” she recalled. “I’ve had a good life so far!”

While Bonnie looks forward to retiring, she is conscious of the need to stay busy and to have purpose in her life once she is no longer headed to the bank every day. She has two grown children and four grandchildren and her eyes shine with pride as she describes each of them. She particularly enjoys seeing her two youngest grandchildren participate in extracurricular activities including basketball and football.

Bonnie also has a group of girlfriends from her JCPenney days. They gather regularly to socialize and play Euchre. “We’ve been playing cards together for years and years. Some of those girls, I’ve known since they were young. Some of them for 34 years!”

“My daughter wants me to stay busy. She’s all the time on me to stay active and to have things to do so I think she’ll keep me busy” she said. “You have to have the right mindset. You have to have a positive mindset and to find ways to not become bored. It’s too easy for people to become depressed when they’re not active. I don’t want that, I want to stay active,” she said.

Bonnie is thrilled that spring has arrived as she sometimes walks in her Pataskala neighborhood. She also enjoys jigsaw puzzles and isn’t intimidated by the challenging ones. She intends to volunteer some and hopes to soon begin volunteering at Mt. Carmel Hospital. She’s already talking about finding a small part time job once the newness of retirement wears off.

“Life is a journey and I’m ready to enjoy the next chapter,” she exclaimed!

Bonnie’s last day will be Friday, March 29. Customers are invited to stop by that day to celebrate and enjoy cake and punch.

 

Gem Beverages: A Southern Ohio Tradition Since 1923

Black and white

The three Holzapfel Brothers – Henry, Frank and Leonard are pictured watching the first bottles of “Double Dry Ginger Ale” coming off the production line at the Gem Bottling Plant in Wellston in the late sixties.

If southern Ohio had an official drink it would most certainly come from Gem Beverages in Wellston. This longtime family business has been distributing Ski and Gem Brand drinks for decades, delighting generations with their unique flavors and colorful packaging.

The company distributes Ski, Diet Ski, Cherry Ski, Tropical Ski, Double Cola, Jumbo Orange and Gem Cream Soda from the 11th Street location that’s been home to Gem since the fifties.

Owner Rex Holzapfel is just the third owner of the business since it opened in 1923 and is proud of both his product and the business’ history.

The business began in 1923 when two local men – Will Corn and Harvey Malloy started a bottling business in an old garage that was located where the Kroger parking lot now stands. On Saint Patrick’s Day 1938, Holzapfel’s father and two uncles purchased the business with a little help from their mother. “My dad was born in 1923 so he was the same age as the business. He was fifteen years old when they bought it. He was the youngest but he worked and received a paycheck just like the other two,” Rex explained.

The bottling and distribution business expanded over time, as they bottled their own line of Gem flavors. In 1956, they replaced their Gem cola when they began bottling Double Cola. A few years later, the company began bottling Ski, which eventually became a regional favorite.

The elder Holzapfels – Henry, Frank and Rex’s dad Leonard – remained involved in the business even after Rex purchased it in 1996. Leonard would continue working on reports and making bank runs until shortly before his death at the age of 95.
“The three of them would go to Lee’s (Lee’s Steakhouse is a popular local restaurant near the Gem headquarters) every day at 1:30 or two o’clock. They always went for coffee. They could be arguing about something but once the coffee came, the argument was done and that was that,” he said with a smile.

This went on every day for nearly six decades. When Frank died in 1999 and Henry in 2000, Rex said that his wife suggested he needed to have coffee with his dad. “I thought I was too busy but I made the time. Ended up going every day for eighteen years and I’m glad,” he said.

The business has long been a family affair. His brothers, cousins and others have worked after school and summer jobs over the years. Today, Rex’s own children are involved in the family business. His daughter does the books while his son drives a route. “In fact, it seems like almost everyone has worked here at some point. The kids laugh because when I’m out I’ll say, ‘that person used to work at Gem Bottling and that person used to work at Gem’ and the kids will ask ‘WHO didn’t work there!’ I just laugh,” he said sheepishly.

Unfortunately, the industry has seen a number of changes over time that have made his work a bit more challenging. It was a tough decision but Rex said they chose to close the bottling division in 2006 and to focus on the distribution side of the business. “It was a hard decision but it was something that needed to be done. I went from working 55 or sixty hours a week and not making much money at all to turning a better profit in half that time,” he said.

Once up on a time, Rex said that soft drink bottlers could be found in nearly every town. “It’s just how it worked. Local drinks, national soft drinks, they all used local bottlers. Now it’s getting hard to find those smaller bottlers. It’s getting hard to find someone that will bottle for you,” he said.

The highly competitive soft drink industry is ruled by large national names that can afford to buy shelf space in grocery and convenience stores while some large retailers refuse to carry regional brands. “This makes it a lot harder. But our drinks have a following. Ski has a following and the customers demand it around here.”

When asked what he would tell someone who hasn’t tasted Ski, Rex laughed. “I would tell them they haven’t lived! It’s the best thing since sliced bread,” he said. “When people ask what it tastes like I always say it tastes like Mountain Dew but better.”

Ski was born in 1956, a product of the Double Cola Company of Chattanooga, TN. In their advertising, the company boasts that it’s made with “real lemon and real orange juices with a kick.” The country band The Kentucky Headhunters mentioned Ski in their 1989 song “Dumas Walker.”

The band originated in the Greensburg, Kentucky area which was a big Ski bottling area. When suggested that they immortalized Ski with their song, Rex laughed and suggested that Ski immortalized the Headhunters. “We were around a long time before they were,” he quipped.

bottles

Multiple flavors of Ski and Gem brand products are staples in stores across southern Ohio.

Rex is also quick to point out that Ski has continued to grow in southern Ohio while Pepsi and Coke have not. He said that they first introduced Ski in Vinton County in 1961 and that the drink’s popularity spread like wildfire in that community. From there, it gained popularity in Jackson County and beyond and has continued to grow.

Today, Gem Beverages is responsible for distribution of the Ski brand and other drinks in eight counties including Jackson, Vinton, Athens, Hocking, Ross, Pike, Meigs and Gallia. They recently began delivering to the Duke and Duchess stores in Chillicothe because customers requested it.

He said the best way for customers to get a product in their local store is to simply ask store management to carry it. “That’s how we ended up in Duke and Duchess, customers were asking for it,” he said.

The drinks are available in a variety of sizes including twelve and six packs of cans, 20 ounce bottles, 12 ounce long neck bottles, 16.9 ounce six packs and two liters.

In looking toward the future, Rex says he plans to “just keep doing what we’re doing. By the grace of God, we’re still here,” he said. But he has a secret weapon in the form of a nineteen year old who he calls “the face of the future.”

Rex and John 2

Josh Lung and Rex Holzapfel are pictured outside Gem Beverages in Wellston.

Josh Lung started at Gem with an after school job a few years ago and says that he loves working there. “I just love being here. I don’t know. It’s a great place to work and great people to be around,” Josh said with a huge smile.

“You know how some kids like to play sports? Well, work has always been Josh’s sport,” Rex said of the young man who he has known since he was a small tot. “He reminds me of me sometimes, the way he gets so excited about this place. He’s definitely the new face of Gem.”

Today, Rex also enjoys working with his son Kevin and daughter Kerri. His wife Vicki owns Holzapfel Family Clinic in Jackson and the couple have four grandchildren- Olivia, Kash, Easton and Maizy plus another on the way.