Small Business Spotlight: Pumpkin Ridge Quilt Shop

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

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The folks at Pumpkin Ridge Quilt Shop call their store the “Cutest Little Quilt Shop In Southeast Ohio” but the store is anything but little. In fact, it is jam packed with fabric, notions, books, patterns and sewing machines that makes this place nothing less than a quilter’s paradise.

The shop offers a larger fabric selection than any craft or sewing store around, according to owners Terry and Debbie Stevens. “We have between 3,500 and 4,000 bolts of fabric. But who’s counting?” Terry joked.

Walls paneled in Vinton County native timbers including White Pine, Black Walnut, Honey Locust, Sassafras and Poplar give the shop a cozy and welcoming atmosphere that makes customers want to stay. Or perhaps it’s the rooms filled with an astounding variety of fabric that includes everything from Civil War reproductions to Oriental designs that make folks want to stay.

Polka dots, stripes, solids and florals abound. There are handmade fabrics called Batiks. There’s a section of thirties fabrics – reproduction fabrics that were historically used in flour and feed sacks and transformed by housewives into clothing, quilts and other items needed in the home. There’s even fabric featuring race horses, Charlie Brown and the gang and, of course, festive holiday designs.

OLYMPUS DIGITAL CAMERABut this store doesn’t just sell fabric and notions. The list of services they offer is long. They sharpen scissors, sell Elna sewing and embroidery machines and are a certified Judy Niemeyer store. They provide instruction for machines sold and Terry will even set up a machine in the buyer’s home. They are the only Tinlizzie dealer in four states.

Then there are the classes. “We have a classroom and can provide instruction on pretty much anything you want to learn. Paper piecing, table runners, it doesn’t matter,” Terry explained.

During our visit, some friends were gathered to work on projects, talking and helping each other in the classroom. “You’re welcome to come and sit. We can answer questions if you’re having trouble. If you don’t know how to put a border on, we’ll help you out. Bring a friend. Sit and sew,” he invited.

For customers who don’t sew but wish to have a quilt made, Pumpkin Ridge can make that happen too. Also, they can help customers finish a project by adding the batting and backing for the customer.

OLYMPUS DIGITAL CAMERATerry also services and repairs machines both big and small, old and new. Right now his work bench is home to an antique Singer machine that’s in for repair. “Honestly, the old machines sew better than the new ones,” Terry explained as he admired the perfect stitching produce by the antique that was once sold by Sears, Roebuck and Company.

Terry said that he tries to be fair to his customers and that he is the cheapest around for repair. “We get people in from all over Ohio, from West Virginia, Pittsburg, Michigan…we had a guy in here from Indianapolis. They come from all over,” he explained.

When asked why he decided to take up this business in his retirement Terry replied that the answer is simple. “I got into it at the house, repairing and servicing machines because no one else around does it.”

The opportunity to purchase the building that now houses the shop presented itself and he decided to move his business. “Debbie quilts and she said she was going to put a quilt shop in. So here we are. It’s fun. I get out of the house and get to meet a lot of good people. It’s been good,” he said.

Be sure to stop by before the end of the year to take advantage of their current sale – half off Christmas fabrics.

Pumpkin Ridge Quilt Shop is tucked away in the rolling hills of Vinton County, just six miles from McArthur and close to the Vinton County Airport. Follow them on Facebook or call 740.596.2345 for information. They are open 10 a.m. to 5 p.m. Monday through Saturday. Their address is 26940 Pumpkin Ridge Rd, New Plymouth, Ohio 45654.

 

 

 

 

 

VCNB Announces Holiday Hours

The holiday season is here and that means some adjustment to our business hours for a few special days. Here’s our upcoming holiday schedule:

 

Christmas Eve                   Most offices will close at Noon
                                            Young’s Market will close at 3 p.m.

Christmas Day                   Closed

New Year’s Eve                  Open All Day

New Year’s Day                  Closed

 

Please remember that if you experience trouble with your VCNB debit or credit card, you can call the number on the back of your card for immediate assistance outside of our business hours. For regular business transactions including balance checks, transferring funds and even opening accounts, you can bank with us 365 days a year at www.vintoncountybank.com or on VCNB Mobile.

From our family to yours, we wish you a Merry Christmas and a Happy New Year!

Embracing the Rewards Banking Lifestyle

In September we debuted a new product that seems to have taken on a life of its own. It has generated so much excitement that we have coined a new term: the Rewards Banking Lifestyle.

A Rewards Banking Lifestyle is the realization that every day choices can generate benefits for you in the form of UChoose® Rewards Points, redeemable for things you need and want. It’s when you think twice before using a different way to pay because your VCNB Rewards Checking Account gives you so many reasons to use VCNB products and cards.

If you are like the average American, you are already spending money. You’re paying the electric bill, buying groceries, filling your gas tank and buying shoes for your growing kids. What are you getting in return for spending your own money? Chances are you’re getting nothing except the satisfaction that your bills are paid and your family is fed.

When you are a VCNB Rewards customer, you have potential to earn rewards points for lots of your everyday banking habits. Rewards Checking customers earn points for dollars spent when they swipe their card for PIN and Signature purchases. They earn points for using Direct Deposit, Online Bill Pay, the Visa Platinum® Favor Card and other VCNB products. Essentially, customers who take advantage of our products will earn points each time they spend their money, pay a bill, get paid by direct deposit or pay a VCNB loan.

Rewards Checking Chart- Flier for new accounts

We recently talked about the amount of points an average customer might receive in a month. Click here to read that story.

Many of our customers like to receive cash back. Others enjoy receiving gift cards, travel experiences, event tickets and even merchandise. There is an extensive UChoose® Rewards Store that offers a variety of items.

Our employees began testing Rewards Checking a few months before we released it to the rest of our customers. We notice that many of them are taking full advantage of their point earning potential and looking for additional ways to earn more. In a lot of ways, they have pioneered the Rewards Banking Lifestyle.

A Rewards Checking Account, like all of our accounts, can be opened online or in any of our seventeen locations.

Click here for complete information on this account including fees and terms and conditions.

Find Us At Saturday Events!

christmas nutcracker free imagesWe will be busy bees this Saturday with all the holiday events happening in our communities. We do love Christmas and we thoroughly enjoy taking part in the traditions of our towns so be sure to stop by and say hi if you have a chance Saturday. Here’s where we’ll be:

Logan Santa Parade
2 p.m.
This is a fantastic parade and one of our favorites! The parade winds through the streets of downtown, starting at the Hocking County Fairgrounds and ending at the Tractor Supply parking lot. The parade features many units including bands, businesses, local non-profits and regional event royalty. Best of all, it also marks the real beginning of the holidays in Logan with the arrival of Santa Claus! Parents are invited to bring their children to enjoy activities provided by the Logan Town Center before the parade, meet Santa and enjoy the lighting of the downtown lights. The staff of our Hocking Hills Banking Center will be passing out candy so be sure to wave!

 
Pataskala Cookie Walk
2 p.m. to 5 p.m.
Who doesn’t like cookies? With the donation of either one dollar or one canned food item, participants will receive a bag and a map for an approximate one mile walk around downtown Pataskala, collecting a cookie from each of the nearly three dozen stops on the route. Along the route there are children’s activities, food, and live music and entertainment. The Friendly Bremen Banking Center is a proud supporter of this year’s event and we’ll be participating with our own cookies so be sure to come see us. Learn more at the Main Street Christmas – Pataskala Facebook page!

 

Christmas in Downtown McArthur
3-6 p.m.
Enjoy a good old fashioned holiday celebration in downtown McArthur. This free event, hosted by the Vinton County Chamber of Commerce, features free wagon rides, door prizes, kids crafts, music, chinese auction, a parade, Santa and more! There’s even a 5K earlier in the day! Stop by our bank to enter our drawing and for your child to put together our Christmas craft project! Learn more here.

 

 

 

A Little Election Day History Lesson

Election Day

It’s Election Day in Ohio! Even though it is not a Presidential year, there are plenty of state issues and local races and levies seeking voter support. Do you ever wonder why elections are held on Tuesdays?

We did a little research and found a very practical explanation. The custom of weekday voting actually began in 1845 when Congress passed a law designating the first Tuesday following the first Monday in November as Election Day. Prior to that, elections were scheduled by states and were required to be held within a 34-day period prior to the first Wednesday in December.

So why did Congress choose a Tuesday in November? To understand that answer, you have to put yourselves in the shoes of a nineteenth century American. This was an overwhelmingly agrarian society, with most citizens working as farmers who lived far from their polling places. In fact, most people traveled at least a day to vote, creating a need for a two day period to travel and vote.

Weekends were impractical because most spent Sundays in church and Wednesday was market day for farmers. With this in mind Tuesday was the first and most convenient day of the week to hold elections.

Why fall? Again, late fall was better for farmers as it doesn’t interfere with the harvest but allowed voting to be done before the arrival of harsh winter weather that would make travel difficult.

The America of today is much different than that of 1845. Buggies have been replaced by cars and planes that make travel a quick and comfortable process. Early voting and absentee ballots aid voters who can’t make it to the polls on Election Day. A 24-hour culture and advanced technology have made communication quicker than ever.

Since American pioneers had to travel great distances to vote, we hope you’ll be willing to stop by your local polling place and spend some time casting your ballot today. Remember, voting is your right and every vote is important!

Protect Yourself From Identity Theft

Identity theft continues to be one of the fastest growing crimes in the United States. In 2014, there were 12.7 million victims of identity fraud in the U.S., according to Javelin Strategy and Research. Here at VCNB we want you to keep your information and your money safe. Here are some tips to help you!

  1. Don’t share your secrets. Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites.
  2. Shred sensitive papers. Shred receipts, banks statements and unused credit card offers before throwing them away.
  3. Keep an eye out for missing mail. Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking to reduce the likelihood of paper statements being stolen. Also, don’t mail bills from your own mailbox with the flag up.
  4. Use online banking to protect yourself. Monitor your financial accounts regularly for fraudulent transactions. Sign up for text or email alerts from your bank for certain types of transactions, such as online purchases or transactions of more than $500.
  5. Monitor your credit report. Order a free copy of your credit report every four months from one of the three credit reporting agencies at annualcreditreport.com.
  6. Protect your computer. Make sure the virus protection software on your computer is active and up to date. When conducting business online, make sure your browser’s padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure.
  7. Protect your mobile device. Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments – especially for senders you don’t know.
  8. Report any suspected fraud to your bank immediately.

How Safe Is Your Mobile Device?

How safe is your mobile device? The number of attacks on mobile devices is growing, in part, as a result of the increased popularity of mobile banking. According to a report by the Federal Reserve, 51 percent of smartphone users say they have used mobile banking in the past twelve months.

“The rise in the popularity of mobile devices has certainly made them a target for cyber-criminals,” said VCNB Chief Compliance Officer Jennifer Francis. “Banks work hard to protect customer information and customers play an important role. Any device used to connect to the Internet is at risk and we urge users to keep safety measures in place.”

In recognition of National Cybersecurity Awareness Month, Vinton County National Bank (VCNB) recommends that consumers take extra precaution to protect the data on their mobile device by doing the following:

  • Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
  • Log out completely when you finish a mobile banking session.
  • Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
  • Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
  • Download the updates for your phone and mobile apps.
  • Avoid storing sensitive information like passwords or a social security number on your mobile device.
  • Tell your financial institution immediately if you change your phone number or lose your mobile device.
  • Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
  • Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
  • Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.
  • Watch out for public Wi-Fi. Public connections aren’t very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
  • Report any suspected fraud to your bank immediately.

Follow VCNB on Facebook and on this blog to receive more cybersecurity tips and other information you will find helpful!

Just For Fun: Fall Inspiration

Fall Leaf Jumping

Fall arrives in just a few days, bringing with it shorter days, cooler evenings and a lot of opportunity to enjoy seasonal fun. For families, there are countless things to do – both inside and out!

Ohio residents are fortunate to have countless state parks and forests as well as several community parks to enjoy. Take your family on a little hike through the woods to enjoy the fall colors, get some exercise and soak in your natural surroundings.

Take a Hike. There are tons of parks in Ohio.
Rake leaves and…. jump in them! Need we say more?
Pack a picnic and spend the day at the park.
Make art with fall leaves.
Plant an indoor herb garden.
Tell scary stories.
Visit a pick-your-own orchard and then make apple pie together!
Decorate a pumpkin.
Find a local corn maze, haunted house or fall festival. There are several in Ohio!
Explore the outdoors with a Nature Scavenger Hunt.
Toss a ball around your back yard.
Have a family photo shoot. With a digital camera or phone camera, it’s free to let everyone take turns snapping pictures.
Plant bulbs for spring flowers.
Tailgate at your local high school football game.
Load everyone in the car and leaf peep!
Write down or talk about what you’re grateful for every day.
Cozy up with popcorn, hot chocolate and a favorite movie. “It’s the Great Pumpkin, Charlie Brown” comes to mind.

Does your family have a favorite fall tradition? We would love to hear about it! Tell us in the comments section below!

Earning Rewards With Rewards Checking

Lots of our customers are signing up for Rewards Checking and are excited to find ways to earn points with UChoose Rewards®. Here are a few ways points can be earned.

Swipe your card(s)
Receive one point for every $3 spent with your debit card. Have a VCNB Platinum Visa® Favor Credit Card? Earn one point for every dollar spent when you swipe this card.

Direct Deposit
You’re receiving a paycheck anyway. Now you can earn ten points for one direct deposit per monthly cycle.

Swipe your debit card more
Swipe your debit card 21 or more times during a monthly cycle and receive 200 bonus points! Earning points was never so easy.

Online Bill Pay
Pay bills with VCNB Online Bill Pay to earn even more! Receive twenty points per transaction and receive up to 100 points per monthly cycle simply for paying your bills. Just remember, if you sign up for Bill Pay, you must make at least one payment during the calendar month or you will be assessed a $3 fee.

Popmoney ® Personal Payment Service
Send money to someone with Popmoney® and earn 50 points per transaction. You can earn up to 200 points just using this service you may already be using. At .50 per transaction to use Popmoney®, it’s cheaper than mailing a check!

New Savings Account
Receive a 1,000 point one-time bonus at the time of account opening when you open a new savings account.

One more thing. We will reward your loyalty to VCNB with 500 Anniversary rewards points. This will happen every year for the life of the account! Also be sure to check in with us periodically – we may offer future promotions for loan accounts.
 
Don’t have Rewards Checking? Learn more about this account here. Have an account but still need to sign up for UChoose Rewards? Click here to get started.

 

Banking Together For Generations: The McGlaughlin Family’s Rich History

After 148 years in business, you might expect VCNB to have a few longtime customers. But would you expect to see one family bank with us since the year we opened our doors? That’s the case with Laura McGlaughlin’s family.

Laura recently turned 95 years young and has a host of stories about local history, our bank and the family farm.

Laura McGlaughlin is pictured with her grandsons Devry McGlaughlin and Scott McGlaughlin. The family has banked with Vinton County National Bank since the bank opened in 1867.

The first McGlaughlin to come to Vinton County settled on forty acres while the Civil War was still raging in other parts of the country. Andrew Jackson McGlaughlin found forested land near Zaleski, constructed a log cabin and began a new life in 1863.

When Daniel Will opened the doors of the Vinton County National Bank in 1867, McGlaughlin was among our first customers – and the family has been loyal to VCNB ever since.

Laura moved to the McGlaughlin family farm in 1938 when she was an 18 year old newlywed and moving in with her husband Beryl’s family. The home she still lives in is the 1863 log cabin but with some additions and improvements. “I came here when I was 18 and I’ve never lived anywhere else since then,” she said. “It is beautiful and peaceful out here. I think God made me special for this place.”

Over those 77 years, she has witnessed much of the area’s rich history and has recorded many stories in notebooks – handwritten stories in a stack of notebooks that her grandson Devry called a “treasure trove.” There are numerous tales that remain unwritten, including that of one McGlaughlin ancestor who was an aide to General George Washington.

She has a number of her own stories. The sweet natured woman was a popular Sunday School teacher for fifty years. She learned to drive in 1984, proving to everyone that 64 is still a good age to learn a new skill. Laura is the type of lady who knows everyone in the community and who everyone knows and loves.

Generations of the Will family have remained hands-on at the bank and Laura remembers doing businesses with many of them. She specifically remembers Bob Will, Sr. and his son Bob Will, Jr. We were thrilled to stop in for a visit at her home this summer so Laura could meet the next generation of Wills involved in the bank. Retail Banking Officer Tom Oyer is the grandson of Bob Will, Jr. and he enjoyed meeting this customer who could share some stories about his family.

Today the farm is 450 acres and her grandsons Scott and Devry help her care for the property and are even helping her look to the future. She is the Secretary for their new business Lookout Ridge Resources. They are working to obtain tree farm certification for the first time in more than thirty years and hope to bring back the farm’s once successful apple orchard.

Like most doting grandmothers, she makes no attempt to hide her affection for her grandsons. “I’m proud of them. They take good care of me,” she said of Scott and Devry. The pair are also enamored with farm and area history, happily sharing newspaper clippings and other documents from Vinton County history and even giving a guided walk to see an old one-room school house and a magnificent ridgetop view of Vinton County. “It’s beautiful and peaceful up here,” Laura said.

What’s more important than the beauty of this rural farm or stories from the past? According to Laura, the answer is love. “I try to be kind to people. The McGlaughlins have always been about helping people and I always try to be kind and helpful,” she said. “Love is the most important thing.”

Retail Accounts Officer Brenda Brooks has been serving Laura and her family since she came to work at the bank 36 years ago. “Laura is such a sweetheart. She’s been my customer for years and years and I just love her,” Brooks said. “And now I get to work with her grandsons! Imagine having that many generations of one family bank with you,” she said.

Through the last 148 years the McGlaughlins have remained loyal customers, seeing the bank through three different centuries, economic change and several wars. As the bank has grown from one office to seventeen and as modern advancements have replaced pen and paper with typewriters and typewriters with computers, the McGlaughlin family has been with us for the entire journey.

Banking has changed much over the years since Daniel Will hung out his shingle in McArthur in 1867 but as a community bank, some things never change. We love our communities and value the people in them. Knowing our customers and being their bankers for not just a lifetime but for generations is what it’s all about.

We thank Laura McGlaughlin, her grandsons and all those who came before them for banking with us then and now. Here’s to another 148 great years!