Have You Tried Rewards Checking?

We have been amazed at the customer response to our new VCNB Rewards Checking account. When we introduced this account to customers last year, we knew we had something special but we weren’t expecting such an incredible response. Months later, we continue to hear from customers about how much they love this account and we are simply delighted. After all, community banks are about providing personal service to customers and providing them with the banking tools they need and want.

If you haven’t tried Rewards Checking, it’s exactly what it sounds like: a checking account that rewards you for your regular banking habits. You receive points for spending money with your debit card, for using direct deposit and Online Bill Pay, among other things. We even give you points to get you started when you open the account.

Those points can be used to receive cash back and gift cards for major retailers and restaurants. You can also use those points for travel expenses, merchandise and experiences like concert tickets.

We are thrilled to offer this account and to reward our customers for their loyalty.

If you have signed up for Rewards Checking, we have a reminder for you: Be sure to register your debit card with the UChoose Rewards® website so that you can begin earning and spending all those points! Registering is very simple and can be done by clicking here.

Once you’re registered, take a look for special offers under the “Earn Points” tab. Here you will find point earning opportunities that are only good online as well as some special opportunities that must be activated to learn. You can also browse all the great things you can redeem your points for under the “Redeem Points” tab.

Learn more about Rewards Checking by visiting our website.

We sometimes offer bonus rewards points so pay attention for those offers as well!

Turn The Key On Your New Home

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Ready to turn the key on your new home?

Since 1867 we have been helping countless individuals and families reach their goal of home ownership. Whether you’re building your dream home or buying your starter home, our experienced lenders are knowledgeable and ready to help.

What are you waiting for? Click here to prequalify online!  

We also welcome you to visit one of our offices to meet with a lender or call your local office to get started. Member FDIC.  Equal Housing Lender.

Banking For College Students

If you’re headed off to college this fall, you’ve probably signed up for your classes, picked up supplies for your dorm room and are packing up to leave soon. But have you thought about how to manage your money or how to get money from home?

Electronic banking has done wonders for us all, making it easier to manage our money and even to receive money from others. Here are some VCNB products that will make your financial life better:

Checking Account
Everyone needs a checking account. Even if you don’t have a job or a lot of money to manage, a checking account is the best way to handle the funds you have. A Checking My Way or Rewards Checking account are great options for most young adults. Click here and select “Checking Accounts” to learn about these accounts and to open online!

VCNB Mobile/Online Banking
teenager laptop cell phone headphones.jpgYou may be far from home but we offer two convenient tools for accessing your money 24/7 from anywhere your smartphone or computer works. Login to your accounts at www.VCNBfamily.com or with VCNB Mobile, our easy to use mobile app. Here you can check balances, transfer funds, pay bills and a deposit a check with Mobile Deposit. You can also access Popmoney® personal payment service. Not sure what all this means? Keep reading. We’ll explain!

Transfers
With online and mobile banking, you can transfer funds between your accounts. Say you saved all your graduation cash in your savings account but need some to buy a textbook or pay for a movie ticket. You can easily and quickly transfer the funds into the account where you need them. It’s easy and a free service.

Account Alerts
Since this is your first time managing money on your own, it’s a good idea to keep a sharp eye on what you’re doing. You can set up account alerts to tell you when your balance falls below a certain amount of money, when your debit card has been used to make a purchase and when a deposit is made to your account among other things. There are nineteen different types of account alerts,  each of which can be sent via text or email free of charge.

Popmoney
Popmoney® personal payment service allows you to securely send and receive money quickly, using just the recipient’s email or mobile phone number and your own VCNB checking or savings account. A lot of our customers use it to pay back friends and family or to send gifts. We also have many parents and grandparents who use it to send money to their college students who are always grateful for the extra cash! There is a fee of .50 per transaction and you can learn more about it here.

Reloadable Card
A Reloadable Mastercard© is a good option for those who do not qualify for a traditional checking or who don’t want one for fear of accidental overdraft. This card is accepted anywhere that takes Mastercard but is loaded for a specific amount of money. Once it’s spent, it’s gone and there is no risk of overdrawing an account. Funds can be directed deposited or be added as you wish. Reloadable cards are great for college students as parents are able to deposit money as needed. You must be 18 years of age to purchase and there is a $5.99 purchase fee and other fees related to reloading and maintaining this card. Click here for complete details including fees.

At VCNB we are excited to see young people venture out on their own and will be glad to help you get started by answering questions and setting you up with VCNB accounts and other products. Give us a call or stop by our office to talk to an experienced account representative today!

 

 

Community Spotlight: Fairfield Area Humane Society

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The Fairfield Area Humane Society is always in need of volunteers and donations including the items pictured outside their building. VCNB employees from our Friendly Bremen Banking Centers donated supplies during a recent facility tour.

If you want to find a group of people whose work is a true labor of love, stop by the Fairfield Area Humane Society and take a look around. This tight-knit community of employees and volunteers is dedicated to protecting the rights of animals and helping them find permanent, loving homes. It grows every year, adding services that help pet owners and growing adoption services to help neglected and abused animals. Much of that work happens because the community supports the cause they champion every day.

“Everything we do is possible with help from the community!” exclaimed Corey Schoonover, Executive Director at the Fairfield Area Humane Society.  “We’ve got seven employees, and some great volunteers.”

Though some may only view the facility as simply a place to drop off or adopt an animal and others consider it similar to a retail pet store, it’s important to realize that there is much more happening than meets the eye. “You could look at that part as retail, but it’s retail with a heartbeat.  And this is so much more.  For those unfamiliar, we do an amazing amount of work.”

Here’s just a portion of services that Fairfield Area Humane Society offers:

  • A monthly spay/neuter clinic (partnering with The RASCAL Unit)
  • Quarterly vaccine clinic
  • Flea treatments
  • Stray cat Trap-Neuter-Return services (which has grown to service over 1,500 cats in the last two years alone)
  • Investigations on animal cruelty complaints (which was solely responsible for over 30,000 miles traveled in 2015).

All of these activities occur in addition to the well-known adoption services, which grew to over 800 animals last year. “Adoptees come from all around, not just Fairfield County.  All over Ohio, from Columbus to Toledo to Cincinnati.  We’ve even had adoptions from the Northeast US, like Conneticut!” Corey explained.

Along with growing adoptions and services, the facility continues to grow. For example, in late 2014, the Humane Society constructed a new dog park, dramatically increasing the traffic coming in the facility’s front door and providing a much needed service to pet owners. “It’s become a great marketing tool for us.” Corey said.  “We used to have five, six visitors a day coming in.  But just in the last ten minutes, we’ve had four.  And the park isn’t just here for the new pet owners that come in, but for current pet owners.  Sometimes we’ll hear someone say they have to give up their animal because they moved into smaller living arrangements or because they just don’t have enough room to play.  But we hate to see that as their solution.  So this is a solution for those in that situation too,” he added.

Another important new addition to the grounds is the Barney Wears Memorial Building, a newly erected quarantine facility located behind the main building.  It officially opened on April 1 and provides space for new animals to be inspected and reside while being administered proper medications.  Animals that are too young to be adopted or those from animal cruelty cases may be housed here for a period of time as well.  In fact, 32 cats were just placed in the new building from one seizure in the last week.

“The costs for the services we offer continue to rise and have increased by nearly four times in the last six years.  And our facilities have been improved and expanded,” Corey said noting that the staff and payroll have not increased.  “So it’s really the great community support we have that has allowed us to expand our services and facilities.”

“One of our goals is that our adoption fees recoup the cost of the medical bills.  We’d love it to work out that way, but it doesn’t.  The costs are enormous.  But the ultimate goal is doing what’s best for the animal and keeping them in good homes, and unfortunately it isn’t free.  We’re so thankful for the support,” he added.

Volunteers are not only accepted, they are encouraged as they play a key role in the generous community support that Corey praises.   That’s why VCNB employees consistently donate their time to this non-profit, and even serve or have served on their board. In fact, Corey and his staff hosted nearly 20 of our employees on a sunny Wednesday morning to share a little bit about what they do. They also shared how the Friendly Bremen Banking Center and VCNB financial family have been instrumental in their growth.

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While touring the facility, our employees donated items on the Humane Society’s list of critical need, which includes things not generally considered top-of-mind when donating to an animal shelter or humane society.  These items included paper towels, bleach and HE laundry detergent, dish soap, hand sanitizer, Pine-Sol and kitty litter.

The work for this staff of seven goes far beyond working directly with the animals and is clearly a labor of love. In fact, you’ll often see the Humane Society crew out and about around Fairfield County, sharing information and drumming up membership and support.  In one week in July, they were on hand at the Lancaster Festival’s Art Walk and Festival Fair Day, hosting the aforementioned group of VCNB employees, doing interviews, and filming TV segments for a television station in Central Ohio.

This week, they will host their annual WOOFSTOCK event at the Fairfield County Fairgrounds.  This two day event features a family fun and adoption event on Saturday, August 6 from 11am-8pm. The public is encouraged to attend and the day will feature fun for all ages, including live music, inflatables, laser tag, raffles, food and craft vendors, and wiener dog races.  Most importantly, adoptable dogs needing homes will be on hand.  On Sunday, August 7 from 11am-4pm, they’re hosting day two of Woofstock, which is a low cost vaccination clinic featuring $10 vaccines, $15 micro-chips, $5 nail trims, and $10 dog baths.

To find out more about the Fairfield Area Humane Society, Woofstock, visit them online at www.fairhumane.org or visit them on Facebook. Here you’ll also find pictures of pets available for adoption.

Click here to learn how you can help including information on  or more information on membership or volunteering.

VCNB Offers The Scoop On Scams

Ice cream cone with extra scoops.jpgIt seems like scams are everywhere these days. From people knocking at your front door to threatening phone calls and harassing emails, it feels like there is constantly someone looking to swindle innocent people out of their money. Sadly, millions of Americans fall prey to scams every year.

That’s why we will host “Get the Scoop on Scams,” an informational session for senior citizens later this month. Jane Nickels, the Branch Manager of our McArthur office said her staff sees great need for this kind of education in the community. “Scams are everywhere and scammers are becoming increasingly sophisticated. Sometimes it’s hard to know who to trust and, as we get older, we are more likely to be targeted. We want to prepare seniors in our community with as much knowledge as we can,” Nickels explained.

This informational session will be held at the Vinton County Senior Citizens Center at 11 a.m. on Thursday, July 21. Registration is required and senior citizens may enjoy a tasty lunch for a donation to the Senior Center. Following the talk, the bank will have a free ice cream sundae bar for everyone to enjoy.

To take part, contact Rhoda at 740.596.4706 to guarantee your spot.

 

 

Pack An Extra Form Of Payment

If you’re planning a vacation this summer, you’re probably eager to pack your bags and hit the road. But before you go, there’s one more thing to pack – one or two extra forms of payment.

We know that you love your plastic and we swipe our debit and credit cards more today than ever before.  After all, it’s quick and easy, it’s safer than carrying a lot of cash and, if you’re a VCNB customer using Rewards Checking or our Platinum Visa© Card, you earn UChoose® Rewards Points on purchases.

PrintUnfortunately, plastic is not always foolproof. While most businesses accept credit and debit cards, some mom and pop establishments, festivals and farmer’s markets are not equipped to do so. Also, technology is imperfect and occasionally even major retailers experience a hiccup that prevents them from accepting cards.

Also, with the increased use in debit and credit card usage has come an increase in the amount of fraudulent activity related to cards. That’s why we have a great Fraud Department here at VCNB to monitor your activity round the clock. If we see something that is clearly fraudulent or that looks suspicious, we will place restrictions on your card and then give you a call to confirm that you are actually making those purchases. This is meant to protect you and your money but can sometimes cause an inconvenience for the customer.

We occasionally have customers who are on vacation, spending outside their regular pattern of activity, who will be flagged by the Fraud Department. If you can confirm that it’s really you spending your money, the restrictions will be released and you can go about your vacation. If it’s not you, we will shut down your card to prevent future fraudulent activity and take actions to get you a new card. If that’s the case, you will need another way to pay.

There are many options for a second or third form of payment. If you plan to pay primarily with debit, take along a credit card and some cash too. If your primary payment is going to be credit, a second credit or debit card and some cash might come in handy.

Here at VCNB, we offer credit cards as well as a Reloadable Travel Card. You can use it to make purchases anywhere worldwide that Mastercard© is accepted. It costs $5.99 to purchase but we are waving this fee through the end of July. The Travel Card and other reloadable/gift cards are available in any VCNB branch. Click here to learn more. 

And, of course, cash is still accepted almost everywhere.

By the way, if you’re planning to travel, take a minute and give us a call. If we know you’re out of state or out of the country, you’ll be less likely to experience a disruption in service. Also be sure to give us your mobile phone number. If our Fraud Department does need to reach you, you don’t want them calling your home when your card is being rejected in a restaurant far from home.

 

 

 

Summer of Peace, Love and Points

Peace, Love & Points - FBBC (Nauman Digital)

Peace, Love and Points will be the theme at VCNB this summer! From now through August 31, you can earn up to 20,000 Bonus Points with a Rewards Checking and a Platinum Credit Card at VCNB. Many of our offices are having fun with this sixties theme, playing music and breaking out their tie dye!

Here’s what Peace, Love and Points means for you:

Customers who qualify for a Visa© Platinum Credit Card may receive a bonus of 10,000 UChoose Rewards® Points. With our Platinum Credit Card, customers can receive bonus points for using it to make regular purchases. Those points can be redeemed for gift cards, travel, experiences and merchandise.

Customers who open a new Rewards Checking account or switch an existing VCNB account to Rewards Checking will be eligible to receive a bonus of 5,000 points. Customers who opt for self-service and open a Rewards Checking account online will be eligible to receive a bonus of 10,000 points.

To receive a Rewards Checking bonus, the customer must activate a debit card and register it through UChooseRewards.com within sixty days of account opening to receive the bonus. New accounts must be funded with a minimum $100 deposit within 30 days of account opening.  Click here to read the full terms and conditions for this promotion.

Click here to open your Rewards Checking account online  or stop by any of our seventeen offices to apply for a Platinum Card or to open a Rewards Checking with one of our friendly, experienced staff.

A Chapter From Our Past

The following biographical sketch appears in the book “History of the Hocking Valley,” published by Inter-State Publishing Company of Chicago in 1883. It details the life of Captain J.W. Delay, a Civil War hero and first Cashier of the Vinton County National Bank. The book provides a wealth of information about cities, townships and villages, educational, religious, civil, military and political history and portraits of prominent people in the Hocking Valley. We hope you enjoy reading it as much as we did.

Captain (Major) J. W. Delay      

First Cashier of the Vinton County National Bank

Captain J. W. Delay, Cashier of the Vinton County National Bank is the son of Ambrose Delay and a a grandson of Rev. Jacob Delay.  The latter was born in Greenbrier County, Virginia, July 18, 1780, and died in Jackson County, Ohio, October 13, 1845.  Ambrose’s wife was Mary Crouch who survived him until December 24, 1854, when she died at Berlin Crossroads, Jackson County, Ohio.

Jacob Delay was extensively known throughout Southern Ohio as one of the pioneer Methodist ministers, and was remarkable for his great decision of character as well as forcible and positive manner of preaching the gospel.  Although he was a native of Virginia, he was of English extraction and became an early settler in Jackson County, Ohio.

Jacob was the father of eleven sons and one daughter, five sons still living.  Ambrose was the seventh and was born in Pickaway County, Ohio in 1810.  Ambrose died in Jackson County, Ohio (Berlin Crossroads) on April 1, 1864.

Ambrose’s wife, Rebecca S. Whitman was born in Greenbrier County, Virginia in 1811.  Rebecca died in Union County Iowa in 1881.  Their family consisted of six sons and four daughters, three sons and one daughter still living.

J.W. Delay is the oldest and was born in Jackson County on January 10, 1839. As his father was a farmer J. W. devoted his summers to the farm and his winters to school. At the age of seventeen years he entered the Ohio University, where he spent two years at which time he was tendered a clerkship in a store and accepted.  Two years later he was engaged at the Latrobe Furnace as a bookkeeper.  In that capacity he served until July, 1861, when enlisted in the United States Army.  On August 10, 1861, he was enrolled in Company K, Thirty-sixth Ohio Infantry, muster and appointed First Sergeant.  June 6, 1862, he was promoted to Second Lieutenant and First Lieutenant on January 16, 1863.

About this time he was placed on detached service on staff duty in the subsistence department, in which capacity he serviced during the war.  He was commissioned on October 24, 1864 by the President of the United States (Abraham Lincoln) as Captain of the United States Volunteers.  Also he was brevetted Major on July 10, 1865, just four years from date of first enlistment.

He participated in the battles of Lewisburg, Virginia, within five miles of the settlement of his grand parents on both sides.  He also fought in the second battle of Bull Run, Virginia and South Mountain in 1862.  During the following winter his regiment was in General Rosecrans’s campaign from Murfreesboro, participating in the battles of Chickamauga, Mission Ride, and many incidental fights of that campaign.

In the winter of 1863 – 64, he returned east and participated in the campaign of Generals Crooks and Hunter In West Virginia; subsequently in all the battles of the Shenandoah Valley under General Phillip Sheridan (Somerset, Ohio), serving until the war was ended.

Upon his return home in July, 1865, he entered the firm of H. F. Austin & Co. at Buckeye Furnace, Jackson County, Ohio.  J. W. Delay was engaged in the manufacturing of pig-iron, where he remained until October, 1866.  After that together with Mr. Austin and others, J. W. came to McArthur and organized the Vinton County Bank.  He did not move his family to McArthur until January, 1867.

When the bank was organized he was elected Cashier, and continued by re-elections to hold the same position until the consolidation with Will, Brown, & Co. in 1868.  The Bank became a “National” bank on October 1, 1872.  The name was changed to the Vinton County National Bank of McArthur with J. W. Delay remaining as Cashier and Daniel Will as President.

During the late war April 11, 1864, he married to Miss Samilda J. Buck.  They have for sons and three daughters, all living.

 

 

Small Business Spotlight: Cultivate

Being a small business owner is a tough job. That’s why we spotlight a different business each month to help you learn about unique businesses in your own back yard.

Matt Yerkes has a knack for finding the unique in the often overlooked. Case in point is his latest a venture, a century old vacant building in Grove City’s Town Center District, that he has recently given a new life. Regular readers will remember Matt from last year’s Small Business Spotlight on Venue 62. It was during this project that the wheels began turning for his next idea: a much-needed facility for Grove City business owners and entrepreneurs to grow their business.

The Broadway Street building has been known throughout the years as a car lot, a mechanic shop, and most notably as Grove City Hardware. It was vacant for a decade before Matt purchased it in June 2014 and began pursuing a vision.  After gathering financing through personal funds, financial support from the Grove City Towne Center grant, and the Franklin County Banking Center, Matt set out to oversee all areas of the demolition, rehab, design, and construction of the building with the idea of a small business incubator.  The physical labor would last nearly two years before the doors opened of what is now a non-profit known as Cultivate.

What came out of the work is not a typical office space.  The metal pan formed ceilings feature concrete beams originally built to withstand the large loads of the former car lot’s second floor show room.  Adjustable half-walls were created from lumber removed from other areas of the building, allowing users of the first floor meeting room to create meeting space as large or as small as they need.  A buffet table in this same room is even created from old heaters from the second floor.

The second floor was built to spec on either end for anchor businesses Rampart Hosting, LLC and a Keller Williams Realty franchise. Between these two businesses are thirteen cubicles of varying shapes and sizes that are available for rent.

Matt says the real work began after construction and when it was time to attract tenants and develop partnerships. “We’ve worked quite a bit with Rev1 Ventures and they’ve been a great help in all of this.” Matt says.  Rev1, a Central Ohio venture development organization with expertise in helping entrepreneurs in building companies, has worked very closely with Matt in getting Cultivate up to speed.

While the building boasts historic features, potential tenants should know there is nothing old about the technology or how Cultivate operates. Free WiFi, secure 24/7 key-fob entry for employees and customizable work spaces are featured new age technology.

Matt expressed gratitude to Rampart, a tech company that he said will be a priceless resource to many tenants as they can provide tech support, consulting and other services. He called their presence the “wow factor” that so many entrepreneurs seek today.

An administrative assistant is also available to tenants to work with member businesses, and a concierge is available for all of the seemingly endless errand-running that running a small business requires. Perhaps most enticing is what lies inside the ground-level front entry to the building: Orchardfields and Arbor Café, a start-up café that also serves as Cultivate’s in-house spot for a bite to eat and drink.

As if that’s not enough, plans for several small workshops and seminars are underway to help tenant businesses, effectively turning Cultivate into a full-blown resource center, in addition to a spot to simply get work done.  Matt says he wants Cultivate to be more than a place to sit down and work on the computer.  “I want there to be more.  If you want to get away from the desk, sit down and relax for a moment or even take a meeting with someone over coffee, you can do that here.”

Cultivate is open and a grand opening is planned for this summer. If you or someone you know has interest in being a tenant business, or if you’d like information on pricing or sponsorship opportunities, please contact Matt Yerkes directly at matt@quicksquare.com.  Check out Cultivate on social media, at the official website, or in person at 3989 Broadway Street in Grove City.

Six Financial Benefits of Getting Married

While love is its own reward, the many financial benefits available to married couples can have you both feeling especially joyful. Here’s are six ways getting married can save you a ton of money.

1. Tax-related breaks
Our legal system definitely has a soft spot for married couples, offering financial advantages including:

  • Joint tax returns: Married couples often benefit by filing jointly.
  • Estate tax exemptions: After the death of one spouse, the survivor is permitted to inherit a sizeable estate tax-free.

2. Increased borrowing power
When it’s time for a major purchase like a home, married couples have an advantage due to having two incomes in the household. Applying for a mortgage through a financial institution like VCNB as a two income couple means potentially qualifying for nicer or more expensive home than maybe you could afford with just one income.

3. Lower health insurance costs
Most employers not only shoulder part of the cost of an employee’s health coverage, they also offer options for spousal coverage as part of their benefits package. Paying the premiums and deductibles for one family policy is almost always more affordable than paying for two individual policies. That’s especially true if one spouse has been self-insured and has paid the entire cost of coverage, without any contribution from an employer.

4. Cheaper auto and life insurance
You’ll probably notice your insurance bills going down once you’ve tied the knot. Statistically, married people, particularly men, are less likely to be involved in car accidents than singles, so most auto insurers offer a marriage rate reduction. The difference in auto insurance premiums is most dramatic for couples in their 20s, and it tapers off with increasing age.

Life insurance premiums also tend to be lower after marriage because, on average, married people choose less risky lifestyles than their single counterparts. Additionally, taking advantage of multiple policy bundling discounts brings even further savings.

5. Reduced college tuition and more
One of the most surprising financial benefits of getting married is that it can sometimes knock down the cost of college tuition. As long as the couple’s parents don’t continue to claim them as dependents, marriage supplies the proof of independence many schools require as qualification for reduced in-state and even out-of-state tuition. That independent status can also affect the amount of financial aid that students can get by reducing the income and assets they have — compared with the assets of their parents — and by making them eligible for scholarships aimed at married students.

6. Enhanced Security benefits
Marriage insures that both spouses qualify for Social Security, even if one of them has never paid taxes into the Social Security System. If you should die first, your spouse will receive whichever amount is greater — the sum that you were eligible for at the time you died, or the amount that he or she is qualified for.

 

Roberta Pescow, NerdWallet

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