Reward Yourself With Rewards Checking This Holiday Season

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

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

Think about how much money you spend during the holidays.

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

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

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

It’s simple, really.

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

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

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

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

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

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

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

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

October Is Domestic Violence Awareness Month

October is Domestic Violence Awareness Month

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

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

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

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

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

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

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

Fairfield
The Lighthouse
Lancaster
740.687.4423
www.lancasterlh.org/

Franklin
CHOICES
Columbus
614.224.4663
www.choicesdvcols.org

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

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

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

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

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

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

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

Banks NEVER Ask That

Can You Spot a Phishing Scam? Every day, thousands of people fall victim to fraudulent emails, texts and calls from scammers pretending to be their bank. And in this time of expanded use of online banking, the problem is only growing worse. In fact, the Federal Trade Commission’s report on fraud estimates that American consumers lost a staggering $1.9 billion to these phishing schemes and other fraud in 2019 — and the ongoing pandemic has only increased the threat. Imagine where we are in 2020.

It’s time to put scammers in their place.

Online scams aren’t so scary when you know what to look for. At Vinton County National Bank, we’re committed to helping you spot them as an extra layer of protection for your account. We’ve joined with the American Bankers Association and banks across the country in a nationwide effort to fight phishing—one scam at a time. We want every bank customer to become a pro at spotting a phishing scam—and stop bank impostors in their tracks. It starts with these four words: Banks Never Ask That. Because when you know what sounds suspicious, you’ll be less likely to be fooled. These top three phishing scams are full of red flags:

Text Message: If you receive a text message from someone claiming to be your bank asking you to sign in, or offer up your personal information, it’s a scam. Banks never ask that.

Email: Watch out for emails that ask you to click a suspicious link or provide personal information. The sender may claim to be someone from you bank, but it’s a scam. Banks never ask that.

Phone Call: Would your bank ever call you to verify your account number. No! Banks never ask that. If you’re ever in doubt that the caller is legitimate, just hang up and call the bank directly at a number you trust.

You’ve probably seen some of these scams before. But that doesn’t stop a scammer from trying. For more tips on how to keep phishing criminals at bay, including videos, an interactive quiz and more, visit http://www.BanksNeverAskThat.com. And be sure to share the webpage with your friends and family.

What’s Your Scam Score? Take five minutes to become a scamspotter pro by taking the #BanksNeverAskThat quiz at BanksNeverAskThat.com. Share your score on Twitter to encourage your friends and family to test their scam savviness, too. The more scamspotters out there, the harder it is for phishing criminals to catch their next victim!

October is National Cybersecurity Awareness Month, which means there’s no better time than now to boost your scamspotting knowledge. Take the five-minute quiz and become a scamspotter pro! Share your scam score on Twitter for a chance to win weekly prizes, courtesy of the American Bankers Association. Each Friday in October the ABA will draw fifteen winners. One lucky grand-prize winner will receive $1,000—will it be you?

Deep Roots, Strong Branches

A Greek proverb tells us that society grows great when old men plant trees whose shade they know they will never sit in.

Daniel Will, VCNB Founding President

This reminds us of our founder Daniel Will and makes us wonder if he had any inkling his bank would still be growing from seeds he planted in 1867. The roots of our family tree run deep and grow from principles that Dan gave us – be honest, get to know your customers, embrace what’s new that works, invest in the community, and do the right thing for the people who depend on you.

When he saw a need for a store in the community, Dan opened a store. When his customers needed credit, he helped them out. When they needed a safe place to keep their money, they trusted him to keep it secure in the store’s vault. And when he realized the town needed a bank, he set to work building what the community and his customers needed most.

This is the model we continue to follow. This is who we are and this is why we are grateful for Dan Will and those seeds he planted all those years ago.

Let’s face it – the deeper the roots, the healthier the tree and the stronger the branches will grow. So whichever VCNB branch you choose – whether it’s our first bank in McArthur, one of our newer branches in central Ohio or somewhere in between – it’s not just a branch. It’s part of a strong family tree of banks that continues to grow and reach toward the sky.

In Their Own Words: Community Banking According To Our Branch Managers

We are proud to be a community bank. What does it really mean to be a community bank? We asked some of our branch managers to tell us in their own words what community banking means to them and what they like best about being a community banker. Here’s what they had to say!

“One of the things I appreciate about working for a community bank is that we get to know our customers and their unique needs. Growing up on a farm, I understand a farmer’s business and their needs. They don’t have to explain their life and the challenges to me the way they would to someone without that background.”

Katy Hanes

“I like being able to get to know my customers and I think they appreciate the personal touch they get from us. That’s not something that’s encouraged or even possible at big banks so it feels really good to offer it here.”

Matt Hearn

“One thing I really like about VCNB is that they encourage us to get involved in the community, they reward us for volunteering and they want us to know our customers.         I never had that before at my old job.”

Christina Wine

“The thing about working in a bank in a small community is that you get to know almost everyone and they get to know you. It feels good when someone calls and asks for you. It tells you that that you’re doing something right – that you’ve built a relationship with that person and that they trust you to take care of them.”

Charlotte McCarty

“It’s going to sound cheesy but I love helping people, especially the problem solving aspect of what I do. I appreciate that we are taught about why a policy or procedure exists and the bank gives us the tools and leeway to work with our customers.
We’re sometimes able to find ways to help the customer whether it’s helping them get approved for a car loan because their car just blew up or finding ways to help them
stop over drafting an account.”

JJ Wright

“You don’t find that community feel just anywhere but our involvement in the community allows us to be a resource to customers. That extends to employees too. When your staff and coworkers feel like family, you all work together better. You help each other out more and you feel like we’re all in this together.”

Brittany Walters

“I like to problem solve and love when I can figure out a customer’s issues.
That’s rewarding to help and to be a resource for them. Even with seventeen branches, we are still a community bank. We’re still allowed enough leeway to help customers
in a way that you just don’t find at big businesses. I mean, we all know
the Executive Team here. We all know the President.
We all are given the confidence and the freedom to work together.”

Kati Maple

“Do you know how important it is to work for a company that encourages employees to get involved? And it’s not just about opening savings accounts and lending money. It’s about helping out at events and going to the fair to buy livestock. I was a 4-her once and I remember how important it was to have businesses support the livestock sale. That’s where I got the money to open my savings account, from taking hogs to the fair!”

Jeremy Robson

“This is so much more rewarding than corporate banking which is very black and white. In corporate banking, there’s no opportunity to get to know your customers or to help someone who you’ve had to tell they can’t have what they want but that there
may be another solution. It’s like night and day when you go to work for a bank that actually wants to work with customers.”

Matthew Giroux

Here for You Badge

VCNB Opens New Jackson Branch Monday

Jackson coming soonMonday will be a banner day for our staff in Jackson as this will mark our first day of operation in a newly constructed branch. The new office is located at 471 McCarty Lane, just around the corner from the current Jackson branch.

VCNB President Mark Erslan said that he looks forward to opening the new branch to the public. “We are really excited about the completion of our new office in Jackson. The growth we’ve experienced in the limited time we’ve been in Jackson has exceeded our expectations,” he said.

The bank opened a loan office in a small space on Veterans Drive in 2016. It quickly became clear that there was a demand in Jackson for VCNB to have a full service bank and the Jackson County Banking Center opened in 2017. That space was quickly outgrown and ground was broken last year for this new facility.

Customers will appreciate the state-of-the art drive-thru system and drive-up ATM. The Intelligent Deposit ATM uses no envelopes, accepting deposits of cash and checks and giving customers same-day credit for up to $500 daily. Inside, personal bankers are trained to help customers with nearly any loan or deposit need. A kid’s corner will help keep little ones occupied while their parents do business, and a digital learning area will allow customers who prefer self-service to log into their VCNB online accounts, read account literature and do more on iPads.

Most of all, there is plenty of room in the 6,000 square foot facility for bankers to spread out and help their customers with respect to customer privacy and safety in socially distanced times. “We just can’t wait to service our Jackson County customers with a brand new office that features modern amenities and plenty of room. We’re very pleased with the outcome of the planning, design and construction and looking forward to the chance for everyone to see and experience the new facility,” Erslan said.

The current branch will be open through Friday. This location will be closed on Saturday morning so they can move into the new facility. Visit us in Jackson at 471 McCarty Lane beginning Monday, July 27. We look forward to serving you in our new branch!

 

Meet Your Banker: Callie Duhl

In our Meet Your Banker Series, we visit with Callie Duhl. Callie is the Branch Manager of our Jackson County Banking Center in Jackson.

Callie Duhl

Callie Duhl is the Branch Manager of our Jackson County Banking Center in Jackson.

Chat with Callie about her life and career and one thing is clear. She is devoted to her community, family and bank customers. The Jackson native has spent her entire life in Jackson, graduating from Jackson High School and building a long banking career before joining the VCNB Financial Family last year.

Like many VCNB Branch Managers, she started her career as a teller, working her way through a variety of positions including head teller, assistant manager and lender, seeing the banking business from a variety of angles. “I’ve done lending for most of my career and that’s what I like the best. It’s fun helping people get the things they need or want, the things that improve their lives,” she said.

Yet, this isn’t the life path Callie had envisioned for herself. As a lover of the outdoors, she has always enjoyed spending time caring for flowers, mowing and doing other outdoor work. “I never gave a thought to sitting behind a desk eight to ten hours a day. However, this is the path that God lead me down. My Grandpa always told me that God has a big sense of humor,” she exclaimed. “I’m right where I’m supposed to be and I’m glad to be here.”

Callie and her husband Alan have a fifty acre farm that keeps them busy. They have been married for 35 years and have one son. Their son works for the sheriff’s office and his wife is an RN. They have four young children who Callie adores.

She also is active as a founding member and treasurer of the Jackson Area Kiwanis. “Up until Covid hit we were staying busy in the community. It’s been different this summer but everything has been different,” she said.

Callie praised her customers for being so patient with lobby limitations during recent months. “Our customers have been just wonderful. So patient and kind to wait their turn. We couldn’t ask for better,” she said.

She takes customer service very seriously. “It’s important to me that we know our customers and that we do as much for them as we can,” she said. “Most of the time, when someone comes in, at least one of us knows their name and I think that’s important for people to feel comfortable coming in and doing business with us. We have all the technology anyone could want and we have the products they’re looking for but most people are really looking to make a connection with their banker.”

The branch will soon move to a new building, just around the corner from the current location. Construction is wrapping up at 471 McCarty Lane, just across the street from the BMV. “We can’t wait to move in and to welcome customers into the new office. It’s going to be wonderful!”

 

 

 

Earn Rewards Points With A Visa Platinum Credit Card

Earlier this month we told you about Rewards Checking and how so many of our customers are accessing uChoose Rewards®. These rewards points can be redeemed for cashback to your checking account, gift cards, experiences, and other things simply by doing regular debit card spending and banking.

Today we’re going to talk about our Visa® Platinum Credit Card and how it can be used for earning rewards as well!

Here for You BadgeOur points savvy customers will tell you that having both the credit card and the checking account linked to the same uChoose Rewards account allows them to accumulate points more quickly. That’s because credit card customers earn one point for every dollar spent on purchases.

To earn points, you must register your card with the uChoose site. If you have both Rewards Checking and a Visa Platinum Credit Card through VCNB, be sure to link those cards to the same uChoose account to watch your points accumulate more quickly.

Click here for terms, rates and other important details about the Visa Platinum Credit Card. Note that customers who hold only the credit card are not eligible for cash back but can still receive all the other rewards including gift cards, movie passes, travel and merchandise. Receive 1,000 bonus points when opening a new Visa Platinum Credit Card account.

Contact your local banker or visit any of our branches to apply for a credit card or to learn more about uChoose Rewards and the Visa Platinum Credit Card.

 

VCNB Employee Uses Kindness Rocks To Spread Beauty

20200315_215622“I’ve learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.” – Maya Angelou

VCNB Accounting Manager Cathy Rutter has made it her personal mission to spread a message of kindness with her newfound talent of painting on something unexpected – rocks!

While vacationing in Florida last year, Cathy stumbled across a beautiful hand painted rock, known as a kindness rock. Kindness rocks are painted and hidden to be found. Their journeys can then be tracked on various forms of social media.

Cathy Rutter

VCNB Accounting Manager Cathy Rutter spreads beauty with kindness rocks.

This sparked a fire in Cathy to start an endeavor to become a painter even though she had never painted before. She gathered the essentials including paint, brushes and rocks for her canvas. “Some of my first projects looked like kids’ work,” she said recalling the process to her painting success. “It’s amazing what you can do when you set your mind to it – turns out I have a gift I was able to develop and improve with work and determination.”

She developed her self-taught skills by studying other paintings and pictures for guidance. Nature is her inspiration including flowers, birds and scenery.

What started as a hobby has developed into a passion and one of her favorite ways to relax. Cathy has progressed from painting on dull creek rocks to sparkling Santorini stone. Her rocks are truly a work of art waiting to be found.

As Cathy’s journey of painting has evolved, so has her career with VCNB. She began as Management Trainee at The Friendly Bremen Bank nearly thirty years ago and has worked in several bank departments throughout her career.

She resides in Bremen with her husband Vince. Together they leave kindness rocks at various places, spreading kindness as they travel. Keep your eyes open for a painted treasure!

See below for a slideshow of her art.

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