Everyone is Irish On March 17! Have a great day!
Happy St. Patrick’s Day!
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Tag Archives: Vinton County National Bank
Thanks To Our Employees
Today is National Employee Appreciation Day! Here at VCNB we are proud of our employees and grateful to have them on our team! Comment below and tell us about your favorite VCNB employee. We think they are all great!
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Clean Your Computer Today
When was the last time you cleaned out your computer? You may not know it but the second Monday of February each year is National Clean Out Your Computer Day.
Having unorganized files on your computer or mobile device is the equivalent of having a messy stack of papers on your desk. Can you easily find what you need?
It may seem like a silly thing to mark with a holiday and an even sillier holiday for your bank to observe but we think it’s very timely. In this age of technology where so much of what we do for work, play and life in general relies on our devices, it’s a good idea to maintain that equipment just like you would change the oil in your car or clean your house.
Think about, not just your computer, but your tablet and phone as well. How much content do you have stored on those devices and how much is unnecessary or difficult to find?
Take a look at the files, programs and apps on your device. Do you still play that Angry Birds game on your phone? Have you ever used the calorie counting app you downloaded on the first day of your diet? No? Delete them. Unused and useless apps and programs eat up a lot of space and clutter up your screen.
Take a closer look at your files. Are you holding on to files that you will never use again? Do you have duplicate files? Do you have junk files or empty folders? This is a good time to get rid of all that stuff. The more content you have, the harder it is to find what you need.
While you’re at it, consider the organization system you have for all that stuff. Can you find what you need? Is it organized into folders or just thrown into one big folder? Take a few minutes to sort all that stuff into a system that makes sense.
A word of caution: Remember to safeguard the things you love and need. Invest in a back-up system of some kind to store treasured family photos or important documents. A back-up device or even storing content in the cloud will save you a lot of heartache if your device crashes or if it is lost for some reason.
When you’re done, clean the exterior of your phone, tablet or computer and you’ll feel like you have a completely new device!
We know you’re busy but take a moment today to do a little cleaning. You’ll be glad you did!
Open Your HSA Online Today
A Health Savings Account (HSA) is an easy way to save for healthcare expenses and now you can open your account online at VCNB! We hope this new feature, which we recently added to our website, will help customers who want an HSA but can’t make it in to a branch.
They say an apple a day will keep the doctor away. A Health Savings Account will help you prepare for the things an apple just can’t take fix.
An HSA is more than just a savings account. It is a tax favored account that allows you to pay for qualified medical expenses if you have a high deductible insurance plan. Everything from doctor copays to medications, blood work, insulin supplies and bandages are among the qualified expenses. To learn more about the HSA and how it works here, click here.
Did we mention that our Health Savings Accounts are extremely competitive? Unlike most banks, we provide a monthly statement so that you always are on top of your saving and spending. There is a $3 monthly fee that is waived if you accept e-statements in lieu of a paper statement. The one-time $25 set-up fee is also waived with this coupon, valid through March 31, 2015. If you open online, use coupon code HSA25 .
We provide online access, a debit card and your first box of checks for free.
If you think an HSA is right for you but you simply aren’t sure, remember that we have experts in our offices who are happy to talk with you and open your account in office. To open an HSA online or learn more, visit our website.
Better Together
Some things are simply better together.
That’s how we feel about our checking and savings accounts here at VCNB. One is great but the two are even better together!
Think of your checking account as a place to manage your money. This is a transactional account from which you can make frequent withdrawals. You can do this by making debit card purchases at point-of-sale machines or by writing checks. You can make ATM withdrawals or come into the bank to withdrawal or deposit money. You can even pay bills online.
A savings account is a different kind of animal. Instead of using this account for daily transactions, a savings account is used for . . . you guessed it! Saving money!
It’s a great place to tuck away funds for an emergency or for a rainy day. If you’re planning a vacation or getting ready for Christmas, a savings account is a great option for keeping those funds separate from your daily spending money. While it’s kept in savings, your funds will grow some with interest.
Because federal law dictates that you can only make six savings withdrawals per month, this is a perfect place to park money and forget it until you actually need the cash. One time or periodic transfers of funds from your checking to savings make saving money much easier.
Right now, we are rewarding customers who open a new checking and savings at one time. From now through March 31, 2015, open a Checking My Way or Classic checking account and accept a debit card to receive a cash bonus of $100. If you open a Passbook savings account at the same time as the checking, you will receive an additional cash bonus of $50.
To receive the bonus, customers must make a $100 minimum deposit into the checking account and a $100 minimum deposit into the savings account. The account can be opened online or at a branch with a coupon requested online.
Want more information? Be sure to read the terms and conditions pictured below. Simply click on the photo to enlarge. Are you ready to open your new accounts? Click here!
Your Financial Checklist
We’ve been talking a lot lately about spending tips and saving money on our Facebook page and here on our blog. It’s a timely topic with January being Financial Wellness Month.
Today we have a checklist to help you get started toward your money goals today!
Follow us on Facebook and subscribe to this blog to keep up with VCNB!
It’s the Right Time to Get $100
Every day is a good day to open a checking account with VCNB, but this is an especially lucrative time. Have you heard that we’ll give you $100 when you open your new checking account? You read that correctly. We will give you $100 if you open a new checking account with us this month.
Open a Checking My Way or Classic Checking account with VCNB online and we will give you $100! To qualify for the bonus, you must fund your new account with a minimum of $100, be a legal resident of the Continental U.S. and be 18 years or older.
Your new account must be opened by January 31, 2015 to qualify for the offer.
Visit our website to learn more or to open your account today!
Create a savings plan for 2015
Did you save enough in 2014? Do you have enough money tucked away for retirement? How about for a small emergency? What if the furnace blows next month or your car needs repairs? Do you have enough in savings to get by? If you’re like most Americans, the answer is a resounding no.
Most financial experts recommend that you pay yourself first. That means before you pay rent, buy groceries or go to the movies, you set aside a portion of your income. We recommend that you create a monthly budget to see where your money is going. In doing so, set a savings goal for each paycheck. If you think there isn’t room for savings, take a closer look at frivolous expenses or impulse buys that could be draining your checking account (Click here to read about 35 ways to save some dollars).
Once you know how much you want to save, you just need to decide where to tuck the money away to keep it safe. If you are just starting out, the best approach is to open a savings account. At VCNB we offer a personal savings account that requires an opening balance of $100 for adults with no minimum for minors. Interest is paid on this account if it has a balance of $100 or more.
Once you have a savings account, you can deposit funds at the bank, with direct deposit and with Online Banking. You can even set up automatic transfers to ensure the funds actually make it to savings. Once it’s there, try not to touch the money unless there is a true emergency.
If you have a high deductible insurance plan, another great savings option is the Health Savings Account (HSA). While some banks charge large fees for an HSA, VCNB offers this account for free if you accept a monthly e-statement rather than a paper statement. If you wish to receive a paper statement, the account fee is $3 per month. There is a one-time $25 set up fee for this account that is waved if you have this coupon. Basically, an HSA is a tax favored way to save money for qualified medical expenses.
If you don’t use the money you deposited into your HSA this year, the funds will roll over to the next year. For many young people with lower medical expenses, this is a great way to begin saving for later in life when medical expenses typically become more burdensome. Once you reach the age of 65, your HSA savings can be used for any type of expense. Check out this link to learn more about an HSA at VCNB.
If you already have a nest egg but would like to earn more interest for your savings, a good investment is an Individual Retirement Account (IRA) or Certificate of Deposit (CD) with VCNB. With a CD, you can select the length of time you would like to invest and then watch your money grow. An IRA allows you to save more for your future because you can contribute to your retirement over time while earning interest. We offer Traditional, ROTH, SEP and Educational IRA’s, allowing you to choose what’s best for your long term goals.
There is no greater security than financial security. For most people that doesn’t come overnight. Instead it comes dollar by dollar. Take a moment now to consider what you want your finances to look like a year from now, five years from now and twenty years from now. Then devise a plan and start saving today!
Your future self will thank you.
VCNB announces holiday hours
The holidays are finally here and VCNB offices will be closed some so our employees may celebrate with their families.
All of our offices will close at noon on Christmas Eve except for our Young’s Family Market location which will be open from 11 a.m. to 3 p.m.
All of our locations will be closed on Christmas Day and New Year’s Day. However, our website and mobile banking app are available 24/7.
We appreciate our customers and wish you and yours the happiest of holidays.
On the Go? We Can Help!
On the go? We can save you time! With just a few simple steps, Online Banking at VCNB can save you time during this busy holiday season. You ask how? Here are just a few things you can do online that will help!
Schedule Bill Payment
Who has time to write checks, search for a parking space at the post office and then stand in line for stamps? By using Online Bill Pay, you 
can pay all your bills without checks or stamps. Just enter some basic information about your account with the business you are paying and we take care of the rest. You can schedule payments either for one time or for automatic payment. While you’re at it, get a jump on 2015 by scheduling bills for payment in January. Done and done.
Be a Payback Hero
If you have Online Bill Pay, you also have Popmoney ®. This personal payment service allows you to send and receive money with the same ease as sending an email or text message. All you need is the recipient’s email address or mobile phone number to send them funds from your VCNB Online Account. The cost is .50 per transaction, making Popmoney cheaper than writing and mailing a check to someone. With Popmoney you can payback a friend or relative or even send monetary gifts to loved ones far from home this season.
Transfer Funds
We welcome you to visit the bank as often as you like but we understand that folks are busy. If you just need to transfer funds from one account to another, you can take care of that through Online Banking. It’s as easy as 1-2-3. When you log in to Online Banking, just look for the Transfers tab.
Check Balances
While you’re logged in, check your balances and activity. Contact Customer Service immediately if you believe there are fraudulent charges on your account. And of course, make sure you really have the money you think you should have. After all, being one of Santa’s elves can be expensive and it’s easy to lose track of what you are spending.
If you are not internet savvy or are on the go, remember that our Telebanc telephone service is available 24 hours a day. Call 1-800-317-5990 to check your balances, review account activity, transfer funds and make payments. It’s easy to use and free!
This is a busy time of year. Trim the trouble of banking from your list and just enjoy the season!
VCNB Family 