Vinton County National Bank

Business Banking

Business Banking

Click on a category below for product details and options. Please contact us if you have any addtional questions.

Checking Accounts

EZ Checking

Open at Branch →

EZ Business Checking is tailored to the small business owner: sole proprietorship, partnership, limited liability company, or small corporation.

  • No minimum balance requirements
  • Free electronic statements1
  • 100 Transactions per month2
  • Business Online Banking
Additional Features
  • MasterCard Debit Card
  • Account Alerts
  • Telebanc Services

Premier Business Checking

Open at Branch →

Premier Business Checking is our top-of-the-line business account. Included in this account is Remote Deposit Capture3 which allows our business customers to make check deposits 24 hours a day, 7 days a week from their business location. Also included in this account is Business Online Banking Plus which allows customers to originate ACH, wire transfers, stop payments and more through online banking.

  • No minimum balance requirements
  • $30 monthly maintenance fee4
  • Transaction fees vary based on account activity
  • Business Online Banking Plus5
Additional Features
  • MasterCard Debit Card
  • Account Alerts
  • Telebanc Services

Regular Business Checking

Open at Branch →

Regular Business Checking is the perfect account for a larger business, such as a corporation.

  • No minimum balance requirements
  • $5.00 monthly maintenance fee
  • Earnings Credit Allowance for transaction fees
  • Business Online Banking
Additional Features
  • MasterCard Debit Card
  • Account Alerts
  • Telebanc Services

1. $3.00 fee for paper statements without check images and $5.00 fee for paper statements with check images
2. When items exceed 100, fees will be $.10 for every item (ACH, internet transfers, and debit card transactionsare not included in the monthly per item calculation)
3. A two year contract is required and a $250 early termination fee applies. Once initial contract expires, it will automatically renew on a one year basis.
4. An upgraded scanner is available for high transaction businesses at a $55 monthly fee. $30/$55 monthly fee will be reduced to $25/$50 respectively with the acceptance of an electronic statement.
5. Business Online Banking Plus monthly fee of $25 applies.

Business & Commercial Loans

We take pride in knowing our communities and assisting local business owners with their borrowing needs. Our commercial lenders are experienced and trained to be managers of risk.

Our lenders independently evaluate all the possibilities when presented with a new request. We take the time to know and understand your business so that we can provide you with information and sound advice as you make your business decisions.

As a local business, we are dependent on our customer's success. You can be assured we will provide exceptional personal service throughout the loan process. We believe we can provide you with a banking relationship that will benefit your business.

Our commercial loans support many business needs. We offer loans on commercial real estate, construction, inventory, working capital, business equipment, lines of credit and letters of credit.

Our business & commercial lenders would be happy to assist you.  Stop in or call today!

Merchant Services

The Vinton County National Bank partners with FiNet to provide our customers the best in Merchant Services. If your business accepts debit or credit cards or would like to start, let FiNet provide you with a quote.

FiNet may be able to save your business money each month by providing you with less costly equipment and software necessary for merchant processing. The software provided by FiNet allows for your transactions to be processed in a timely fashion and also allows for you to be able to accept Visa, MasterCard, Discover and American Express.

As an added bonus, you do not have to ever worry about purchasing the supplies needed for the equipment. The Vinton County National Bank will supply you with everything you need. So, when you run out of paper or ink, just stop by your local banking location.

Call or stop by today to schedule an appointment with a FiNet representative.

Payroll Service

The Vinton County National Bank offers a Self-Service Payroll solution to meet the needs of your business. Powered by PayChoice®, this payroll solution is easy-to-use and cost-effective for most small businesses.

Enroll online, PayChoice® will assist with the setup of your payroll account and process your payroll each period. All you need is a computer with a secure internet connection. It’s that easy!

Benefits For Your Business

Cost-Efficient
A flat monthly fee of $49.951 covers payroll processing, tax administration and direct deposits – no matter your number of pay runs.

Big Savings
Get the payroll services you need at a lower cost than traditional solutions.

Managed Taxes
PayChoice® files and remits your payroll taxes for you, protecting you from miscalculation, fines and penalties.2

Unlimited Support
Free customer service is available from 8:30 AM-8:00 PM EST via email, phone and online chat.

Direct Deposit
Choose paper checks or go paperless with direct deposits to your employees’ accounts.

Additional Benefits

Plus, all the features you need to process payroll quickly and accurately:

  • Departmental allocations
  • Voluntary deduction calculation
  • Vacation & sick time tracking
  • Predefined pay types
  • Error-free tax and paycheck calculations
  • Federal state & local tax filing
  • Penalty-free tax filing guarantee2
  • Instant online payroll management reports
  • Online employee paystub & W-2 access
  • 6 –month money back guarantee

If you have a larger business or a business with more complex payroll requirements, we can still help! Full-Service Payroll solutions are also available at competitive prices through our partnership with PayChoice®.

To learn more about Self-Service or Full-Service Payroll contact your local VCNB office.

1. Payroll for $49.95 – PayChoice® offers its Self-Service solution for $49.95/month. Year-end processing is priced separately at $49.99 base plus $5.15 per W-2 or 1099. This service will meet the needs of most companies with 1 to 10 employees. A Full Service Payroll offering is also available for larger companies and/or those with more complex needs. A PayChoice® representative will determine qualification for this service based upon the client’s size and specific requirements.
2. Tax Filing – PayChoice® will file and remit all payroll taxes on the client’s behalf. If the client incurs a penalty and/or fine due to a PayChoice® error, PayChoice® agrees to pay all penalties and fines on the client’s behalf.

Remote Deposit Capture

Remote Deposit Capture is a feature of VCNB’s Premier Business Checking Account. This convenient product allows business customers to make check deposits 24 hours a day, 7 days a week from their business location. Time consuming trips to the bank will practically be eliminated. The scanner1, setup and training will be provided by our Remote Deposit Capture specialists.

  • $30 monthly maintenance fee2
  • Transaction fees vary based on account activity

Call our business customer service representatives at 740.596.3496 or visit your local banking office today for more information.

Upgrading to VCNB’s Premier Business Checking Account with Remote Deposit Capture is easy for current customers too! Just notify your New Account Representative at your local banking office to upgrade.

1. A two year contract is required and a $250 early termination fee applies. Once initial contract expires, it will automatically renew on a one year basis.
2. An upgraded scanner is available for high transaction businesses at a $55 monthly fee. $30/$55 monthly fee will be reduced to $25/$50 respectively with the acceptance of an electronic statement.

Certificate of Deposit

A Certificate of Deposit is a great way to save money and earn a higher rate of interest. Simply select the length of time you would like to invest your money and watch your money grow.

Interest accrued to the account will result in higher returns. Individuals may select to have interested credited to another account or a check mailed to them on a regular basis.

Current Rates → Open Account → Let your money grow with our business investment CDs and contact us today about investing in your future!

*Penalty fees may apply to early withdrawal on Certificate of Deposit and IRA accounts.

ATM & Debit Cards

Our ATM and Debit Cards allow you 24-hour access to your checking and savings accounts at various ATMs.

Both cards are accepted by the Accel, Star, MasterCard and Plus ATM Networks. MasterCard Debit cards are only issued on Checking Accounts. Debit cards can eliminate the need for you to carry a checkbook or large amounts of cash.

Charges & Fees

Pin Based Transactions. You have the option to use your personal identification number in a transaction with a merchant. You will not be charged a fee for these PIN based transactions. Additionally, a signature based (credit) transaction will not incur a fee.

ATM Surcharges. When you use an ATM not owned by us, you will be charged a $1.00 fee per transaction. Additionally, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry).

Added Protection

For added protection against unauthorized use of your debit card with online merchants, MasterCard has offered a new SecureCode feature. Click here to enroll and take advantage of this security enhancement.

ATM Locations

Debit cards can be used any place where MasterCard is accepted (13 million locations worldwide). Use the MasterCard ATM Locator to find ATM locations worldwide or use a local VCNB ATM for FREE!

Credit Cards

Credit Card Login →For more information and to learn about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau.

APR & Interest Visa Classic Credit Card Visa Platinum Credit Card
Annual Percentage Rate (APR) for Purchases 4.99% introductory APR for the first six months. After that, your APR will be 15.9% 4.99% introductory APR for the first six months. After that, your APR will be 9.15%
Annual Percentage Rate (APR) for Balance Transfers 4.99% introductory APR for the first six months. After that, your APR will be 15.9% 4.99% introductory APR for the first six months. After that, your APR will be 9.15%
Annual Percentage Rate (APR) for Cash Advances 19.9%, after six month introductory APR of 4.99% 19.9%, after six month introductory APR of 4.99%
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. If you are charged interest, the charge will be no less than $0.50.
Transaction Fees Visa Classic Credit Card Visa Platinum Credit Card
Cash Advance $5.00 or 3% of the amount of each cash advance, whichever is greater $5.00 or 3% of the amount of each cash advance, whichever is greater
Balance Transfer None None
Expedited Payment $10.00 $10.00
Penalty Fees Visa Classic Credit Card Visa Platinum Credit Card
Late Payment Minimum payment due or $25, whichever is less, assessed on day of next statement billing Minimum payment due or $25, whichever is less, assessed on day of next statement billing
Returned Payment Minimum payment due
or $25, whichever is less
Minimum payment due
or $25, whichever is less

Balance Calculation

We use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account terms and conditions.

Variable Rate Determination

The APR is determined using the Prime Rate published in the Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and becomes effective with the finance charge calculation on the following calendar month's statement.

Lost or Stolen Cards

To report a lost or stolen Vinton County National Bank Favor Credit Card, call 1-800-542-5004 during regular business hours, or 1-800-528-2273 outside regular business hours including weekends and holidays.

Business Online Banking
It’s Easy to Learn! It’s Easy to use! It’s eCorp online banking.

Putting all the pieces together to keep your business viable can be complicated.

Our solution is to have 24-hour access to your business finances through our safe & secure Business Online Banking. We have the on-demand tools to give you the edge needed in today’s busy, competitive market place.

Contact one of our banking locations to schedule an appointment to discuss and register your business for this great service!

Find A Location →

Banking Features

  • Access to multiple accounts
  • Review recent account activity
  • Give employees varying levels of access
  • Transfer funds between accounts
  • Pay bills online
  • Initiate wire transfers
  • Manage payroll
  • Manage imports/exports from Microsoft Money or Intuit Quicken/Quickbooks
  • Account Alerts

Browser Requirements for Business Online Banking 5.0 Click here.

Privacy & Security

In order to enhance your Business Online Banking security, we recommend that all Business Online Banking users conduct a security risk assessment and controls evaluation periodically. In order to assist you with this important task, we have provided a free risk assessment tool.

Download Tool →

Account Alerts

Would you like to know when a deposit is made or a withdrawal takes place on your account? How about when a check has cleared? Now you can be notified when these actions take place with Account Alerts.

The Vinton County National Bank offers 19 different account alerts sent either via email or text message1. Included in these alerts are notifications for checking accounts, savings accounts, loans and even certificates of deposit.

Enroll today for this FREE service for business customers by calling 800-542-5004.

Checking
  • Check Cleared
  • Checks Presented
  • Checking Balance
  • Checking Overdraft
  • Debit Card POS Purchase
  • Checking Transaction Posted
  • Debit Card Transaction
  • Transaction Limit Reached
  • Checking ATM Alert
  • Checking Pending Transaction
Savings
  • Savings Sweep
  • Savings ATM
  • Savings Balance
  • Savings Pending
  • Savings Transaction Notice
Loans
  • Loan Advance
  • Loan Payment
  • Loan Past Due
Certificates of Deposit
  • CD Maturity

1. Standard text messaging rates may apply

Vinton County National Bank will never contact a customer via phone, e-mail, text message or direct mail asking for any of your credentials including usernames, passwords, account numbers, social security numbers, etc.