to the financial family - Vinton County National Bank

Welcome
to the
VCNB
financial family
800.542.5004 • www.VintonCountyBank.com • Member FDIC
Welcome
By becoming part of the VCNB financial family, you are opening yourself up to a
wide variety of new product offerings, technology and social experiences. We offer
mobile banking, mobile deposit, person-to-person payment service, best-in-class bill
pay and much, much more. We also like to have a social link to our customers and
we do this by utilizing Facebook, LinkedIn and even our own VCNB Blog. Through
our social channels we have an open dialogue with our customers, host contests,
post pictures and provide information about our community involvement. To find
us on Facebook, search VCNB.
Dear Loyal Customer,
Welcome to the VCNB Financial Family! As you know Citizens Bank of Ashville is
in the process of becoming a part of Vinton County National Bank. By adding the
four Citizens Bank locations to our market area, we will now have 17 banking center
locations in Southeastern and Central Ohio to serve your banking needs.
You are important to us, and getting timely information to you is key to a smooth
transition. Therefore, we have created a Citizens Bank of Ashville page through our
website. On this page, you will find a wide variety of information pertaining to you,
our new customer. You will find links to our LinkedIn page, Blog and Facebook
Page, as well as an updated timeline, important information and special messages.
Please periodically check back to the page for updates. You can access this page by
visiting www.vintoncountybank.com/cba.
Vinton County National Bank is a community bank, focused on our customers and
on the communities in which we serve. We don’t just say local, we live it! Our bank
is committed to providing financial literacy education, volunteer hours and funding
to support local events and causes.
Over the upcoming weeks, we will be mailing you more detailed information
regarding your accounts with Citizens Bank of Ashville and the transition to VCNB
accounts. Should you have any questions, please feel free to reach out to us directly
at 800.542.5004 or chat with us online at www.vintoncountybank.com.
As we have mentioned, we are community minded, therefore, our banking center
names reflect that of their individual communities. You will begin to see the
shift from Citizens Bank of Ashville to the new banking center names. The three
Pickaway County offices, Ashville, Circleville and Commercial Point, will be
identified as Pickaway County Banking Center. The Grove City location will be
identified as Franklin County Banking Center.
We look forward to having you as a member of our family.
Citizens Bank of Ashville Customers
In addition to strong community support, we understand the importance of
employing outstanding individuals to support you in your banking needs. You will
see most of the same friendly faces you are used to, as we know how valuable and
important the staff is to you. Our style of banking is similar to what you have gotten
used to with your hometown bank. We offer local decisions and local support.
Sincerely,
Ronald B. Collins
President
Personal
Banking
Checking Account Information
Q:
Will my checking account number change?
A:
Most account numbers will remain the same. However, we do have a very
small number of customers who will need to change their account number. Those
customers will be notified directly.
Q:
What do I do when I run out of checks or deposit slips?
A:
If you run out of checks/deposit slips before January 20, 2015, please reorder as you normally would. After January 20, 2015, you can visit the VCNB
website to do a re-order, call 800.542.5004 or visit any of your local banking
offices. If you order your checks/slips through a third-party supplier you will need
to give them the VCNB routing number, the VCNB name and address, and also
your account number.
Q:
Do I need to update my direct deposits or direct payments?
A:
No, your direct deposits and direct payments should continue as usual.
Q:
Can I use the VCNB ATM without charge, and when?
A:
What will my new checking account be called under VCNB and what are the
details?
Yes, you will be able to use the VCNB ATM network without charge by
December 15, 2014. VCNB does charge $1 per transaction at an ATM owned by
another institution in addition to any surcharge that ATM owner may impose.
A:
Q:
Q:
You will receive a separate mailing outlining the details of your new VCNB
checking account. This mailing will give, in detail, the description of your new
account. Rest assured your new account will not be much different than the
account you are used to under Citizens Bank of Ashville as we will put you in our
most similar product.
Q:
A:
Will I need to order new checks?
No, you will not need to order new checks. You can continue to use your
Citizens Bank of Ashville checks until you run out.
Will I get a new debit card?
A:
You will receive a new VCNB debit card in an unmarked envelope in early
January 2015. Please continue to use your current debit card until January 16,
2015 at 1:00 p.m. At that time, begin using your new VCNB debit card.
Q:
A:
Can I bank at any of the 17 banking center locations?
You may bank at any of the 17 VCNB banking center locations beginning on
January 20, 2015. Please continue to bank where you normally would until that
time.
Personal
Banking
Savings & Money Market Account
Information
Q:
Will my savings account number change?
A:
No, your savings account number will remain the same.
Q:
What are the details of my new savings and/or money market under VCNB?
A:
You will receive a separate mailing outlining the details of your new VCNB
savings and/or money market. This mailing will give, in detail, the description of
your new account. Rest assured your new account will not be much different than
the account you are used to under Citizens Bank of Ashville.
Q:
A:
What do I do when I run out of deposit slips?
If you run out of deposit slips before January 20, 2015, please re-order as
you normally would. After January 20, 2015, you can visit the VCNB website
to do a re-order, call 800.542.5004 or visit any of your local banking offices. If
you order your slips through a third-party supplier you will need to give them
the VCNB routing number, the VCNB name and address, and also your account
number.
VCNB
Savings Options
Passbook Savings
Open with as little as $100
Open at your local branch or online at your convenience
Electronic statements, two in-person withdrawals per month,
no minimums or fees for minors
$2 charge per cycle for balances below $100 except for minors.
Transfers from a savings account to another account or to third parties by preauthorized, automatic, or
telephone transfers are limited to six per month with no transfers by check, draft, debit card or similar order
to the third parties.
Hi-Fi Money Market
Open with as little as $1,000
Rate of interest increases with account balance
Free Electronic Statements
$10 charge per cycle when an account falls below $1,000.
Transactions for this account are limited; you may make no more than six preauthorized transfers, checks,
drafts and debit card or other similar transactions from your account per month.
RateWatchers Index
$10,000 minimum balance
Unlimited in-person withdrawals
Earn a special annual percentage yield (APY) on $25,000+ accounts.
APY based on three-month treasury bill minus 35 basis points.
$10 charge per cycle when balance falls below $10,000.
Transactions for this account are limited; you may make no more than six preauthorized transfers, checks,
drafts and debit card or other similar transactions from your account per month.
Personal
Banking
Personal
Banking
Certificate of Deposit & IRA
Credit Card Information
Q:
Q:
Will my Certificate of Deposit automatically renew?
A:
No, your certificate of deposit will not automatically renew. You can renew
your Citizens Bank of Ashville CD with VCNB when your CD matures. We offer a
wide variety of CD terms and specials. You can renew your CD by visiting any of
our banking center locations or, visit our website to open a new CD online.
A:
Q:
Q:
Where can I view the CD terms, rates and specials?
A:
Please visit www. VintonCountyBank.com to view our latest CD terms, rates
and specials. Or, stop by any banking center location.
Q:
No, at maturity you can renew your IRA certificate with us. At that time we
will update your application and beneficiaries.
A:
You will NOT receive a new VCNB credit card until the Summer of 2015.
We strongly encourage you to apply for a VCNB credit card before that time to
ensure an easier transition. To apply for a VCNB credit card, please visit your local
banking center location. To view our rates and terms, visit our website.
What types of credit cards do you offer?
A:
We offer a Classic VISA© credit card and a VISA© Platinum credit card. The
Platinum cardholders are eligible for UChoose rewards points where they earn 1
point for every $1 spent. *credit restrictions apply
Will I need to move my IRA from Citizens Bank of Ashville to VCNB?
A:
Q:
Will I get a new VCNB Credit Card?
What types of IRAs do you offer?
We offer traditional, ROTH, SEP and Educational IRAs. To open an IRA, please
visit your local banking center.
Other Services
Q:
Will the rates change on my safe deposit box?
A:
No, your rates will remain the same on your safe deposit box.
Personal
Banking
Personal
Banking
Personal Loans
Personal Loan Options
Q:
Whether you are buying a new home or car, refinancing or building the home of
your dreams, we have the options and experienced lenders to help you make the
right decision. You can even finance your new car with VCNB directly through
most dealerships in the area. We offer competitive rates for the following loan
types:
What will change on my loan account?
A:
On your loan account, your loan type and account number will remain the
same. However, it will be brought over to VCNB for servicing. You should not see
any changes in your loan term or rate.
Q:
A:
Can I continue to make my loan payment as I normally would?
Please continue to make your loan payment as you normally would,
including your escrow payments. Beginning January 20, 2015, you may make
your loan and escrow payment (if applicable) at any banking center location,
over the phone at 800.542.5004 or via VCNB’s online banking.
Auto, Motorcycle, RV, Boat, Tractor Loans
Fixed and Adjustable Rate Mortgage Loans
including FHA and VA
Construction Loans
Lot and Vacant Land Loans
Manufactured Home Loans
Home Equity Loans
Lifestyle Loans
Business
Banking
Checking Account Information
Q:
Will my business checking account number change?
A:
Most account numbers will remain the same. However, we do have a very
small number of customers who will need to change their account number. Those
customers will be notified directly.
Q:
What will my new checking account be called under VCNB and what are the
details?
A:
You will receive a separate mailing outlining the details of your new VCNB
business checking account. This mailing will give, in detail, the description of your
new account. Rest assured your new account will not be much different than the
account you are used to under Citizens Bank of Ashville as we will put you in our
most similar product.
Q:
A:
Will I need to order new checks?
No, you will not need to order new checks. You can continue to use your
Citizens Bank of Ashville checks until you run out.
Q:
What do I do when I run out of checks or deposit slips?
A:
If you run out of checks/deposit slips before January 20, 2015, please reorder as you normally would. After January 20, 2015, you can visit the VCNB
website to do a re-order, call 800.542.5004 or visit any of your local banking
offices. If you order your checks/slips through a third-party supplier you will need
to give them the VCNB routing number, the VCNB name and address, and also
your account number.
Q:
Do I need to update my direct deposits or direct payments?
A:
No, your direct deposits and direct payments should continue as usual.
Q:
Can I use the VCNB ATM without charge, and when?
A:
Yes you will be able to use the VCNB ATM network without charge by
December 15, 2014. VCNB does charge $1 per transaction at an ATM owned by
another institution in addition to any surcharge that ATM owner may impose.
Q:
Will I get a new debit card?
A:
You will receive a new VCNB debit card in an unmarked envelope in early
January 2015. Please continue to use your current debit card until January 16,
2015 at 1:00 p.m. At that time, begin using your new VCNB debit card.
Q:
A:
Can I bank at any of the 17 banking center locations?
You may bank at any of the 17 VCNB banking center locations beginning on
January 20, 2015. Please continue to bank where you normally would until that
time.
Business
Checking Options
Premier Business
with Remote Deposit Capture
No Minimum Balance Requirement*
Remote Deposit Capture**
EZ Business
No Minimum Balance Requirement
No Maintenance Fee with Electronic Statement*
Free Basic Business Online Banking & Bill Pay
* $5 Monthly Maintenance fee applies for paper statement with images. $3 Monthly Maintenance fee applies for paper truncated
statements. No fee applies for electronic statements. Per item Fee is $.10/item for more than 100 transactions per statement cycle. If over
100 transactions, customer will be charged $.10/item for all items 1-100+.
Regular Business
No Minimum Balance Requirement*
Earnings Credit Allowance**
Free Basic Business Online Banking & Bill Pay
*$5.00 Monthly Maintenance fee and Regular Business Checking item fees include: $.25/deposit, $.10/transit item deposited, $.20/check
written per statement cycle.
**Based on the three-month treasury bill and calculated on average collected balance over the statement cycle. Earnings credit allowance may
completely offset monthly fees.
Business Online Banking Plus & Bill Pay***
*Per item fees apply. $30/month Maintenance Fee. Premier Business Checking item fees include: $.10/check written and deposit made, $.10/
item deposited up to 300 items, $.30/item deposited from 301-500 items per statement cycle. If a customer is consistently going over 300 items per
statement cycle they will be upgraded to a larger scanner making the monthly maintenance fee $55/month. $5 credit back for electronic statements. $2
credit back for truncated statements. No credit back for paper statement with images.
**Early termination fee of $250 applies.
***Business Online Banking Plus required at $25/month.
Business
Banking
Business
Banking
Merchant Services
Credit Card Information
Q:
Q:
Will I need to change my Merchant Services, return my credit card machines
or other equipment?
Will I get a new VCNB Credit Card?
A:
You will NOT receive a new VCNB credit card until the Summer of 2015. We
strongly encourage you to apply for a VCNB credit card before that time to ensure an
easier transition. To apply for a VCNB credit card, please visit your local banking center
location. To view our rates and terms, visit our website.
Q:
A:
More information will be forthcoming before any changes take place. Look
for more information in early 2015. You may switch at any time to VCNB Merchant
Services by contacting your local branch.
What types of credit cards do you offer?
A:
We offer a VISA© Classic credit card and a VISA© Platinum credit card. The Platinum
cardholders are eligible for UChoose rewards points where they earn 1 point for every
$1 spent. *credit restrictions apply
COMMERCIAL POINT
ASHVILLE
CIRCLEVILLE
GROVE CITY
Personal & Business
Online Banking
Business
Banking
Business Loans
Q:
What will change on my loan account?
A:
On your loan account, your loan type and account number will remain the
same. However, it will be brought over to VCNB for servicing. You should not see
any changes in your loan term or rate.
Q:
A:
Can I continue to make my loan payment as I normally would?
Please continue to make your loan payment as you normally would,
including your escrow payments. Beginning January 20, 2015, you may make
your loan and escrow payment (if applicable) at any banking center location, over
the phone at 800.542.5004 or via VCNB’s online banking.
Q:
Can I continue to use Citizens Bank of Ashville for my personal online
banking?
A:
Yes, you will need to use the Citizens Bank of Ashville site for your personal
online banking until January 20, 2015. After January 20, 2015 Personal
Banking customers must begin using VCNB Online Banking. To do so, visit www.
VintonCountyBank.com and click “sign up”.
Q:
Can I continue to use Citizens Bank of Ashville for my Business Online Banking?
A:
Yes, you will need to use the Citizens Bank of Ashville site for your business
online banking until Jaunary 20, 2015. You will be contacted directly to be
enrolled into VCNB Business Online Banking.
Q:
Will my Bill Pay change once I have begun using the VCNB online banking?
A:
Yes, you will need to set up your bill pay once you have signed up for VCNB
Online Banking. Our Check Free Bill Pay system makes setting up your payees,
receiving bills and setting up recurring payments a breeze!
Please call the Ashville office at 740.983.2511 with any questions or concerns
regarding your Citizens Bank of Ashville online banking account until January
20, 2015.
Where can I
Bank?
Beginning January 20, 2015, you can bank at any of
the 17 Banking Center locations in Southeastern and
Central Ohio.
•
•
•
•
Canal Banking Center
Franklin County Banking Center
Friendly Bremen Banking Center
Hocking Hills Banking Center
•
•
•
•
Pickaway County Banking Center
Ross County Banking Center
Salt Creek Banking Center
Vinton County National Bank
What’s
New?
VCNB offers many exciting products and services to
assist you with your everyday banking needs.
Easy to Use Mobile Banking
Mobile Deposits
Popmoney® Personal Payment Service
Account Alerts
Personalized Debit Cards
Social Media
Remote Deposit Capture
Telebanc
For a complete list of location addresses visit www.VintonCountyBank.com/locations.html
Policies &
Procedures
Contact
Us
Customer Service: 800.542.5004
Live Chat: VintonCountyBank.com
[email protected]
Telebanc: 800.317.5990
Please use the last 4 digits of your SSN as your password.
Connect With
Us
VintonCountyBank.com/cba