Vinton County National Bank

Personal Banking

Personal Banking

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

Checking Accounts

Rewards Checking

Open Online → Learn More →

This account gives you the benefit of earning reward points for every purchase made with your debit card and for your everyday banking behaviors. Redeem your points for cash, gift cards, merchandise and more.

Checking My Way

Open Online →

When you need flexibility and choice, a Checking My Way account provides the accessibility, online options and freedom you require from your financial institution.

  • No minimum balance requirements
  • No fees for electronic statements1
  • Standard debit card or optional $5.00 upgrade for a vanity debit card
  • Savings Transfer Service2
Additional Features

1. $3.00 fee for paper statements without check images and $5.00 fee for paper statements with check images
2. The savings transfer service deposits money from your savings to your checking in increments of $50 in the event of an overdraft.

Classic Checking

Open Online →

When you prefer a checking account that earns interest1 and also gives you the freedom to bank in person or online, the Classic Checking Account is the perfect fit.

  • Earns interest1
  • No monthly service charge2
  • Electronic statements
  • Overdraft Protection
  • Free Printed checks (age 55 and older)
  • Unlimited check writing
  • Savings transfer service3
  • Standard debit card or optional $5.00 upgrade for a vanity debit card
  • No Star and Plus ATM charges4
Additional Features

1. Interest paid on balances of $250 or higher. Higher rates paid on balances above $2,500.
2. $4,500 balance required to avoid monthly fee. This is a combined balance on all deposit accounts.
3. The savings transfer service deposits money from your savings to your checking account in increments of $50 in the event of an overdraft.
4. Additional fees may be assessed when using machines owned by another institution.

Savings Accounts

Depending on your personal needs and goals, we have several savings account options available. With only $100 you can get started saving today!

Passbook Savings

Current Rates → Open Online →

Passbook savings accounts require an opening balance of $100 minimum, no minimum for minors. Interest is paid on this type of account, with a balance at $100 or greater.

Funds can be accessed by ATM withdrawal or in-person withdrawals at bank. Two in-person withdrawals per month are included at no charge. Should the balance on this account fall below $100, a $2.00 per month service charge is assessed. This monthly charge is waived on minor accounts.

Hi-Fi Money Market

Current Rates → Open Online →

The Money Market account can be opened with a balance of $1,000. Interest is paid on tiered amounts. Rate of interest paid increases as balance in account increases.

There is a $10.00 charge per statement cycle if the balance falls below $1,000 minimum daily balance.

Health Savings Account

Video Tutorial → Open Online →

Health Savings Accounts (HSA) are offered to help individuals with high deductible health insurance plans to save money tax-free for qualified medical expenses*. Contact us or visit an account representative at your local VCNB office to get started.


  • Interest Checking with tiered rates
  • First Box of Checks Free
  • Online Access
  • Monthly Statement (with check images)
  • Debit Card
  • Tax-deductible contributions
  • Tax-free earnings
  • Tax-free distributions


To be eligible for an HSA in 2015 you must have an annual deductible of at least $1,300 for an individual or $2,600 for a family.


  • Initial Set-up: $25.00 (free with coupon)
  • Replacement debit card: $5.00
  • $3.00 Monthly Fee**

* The account owner is responsible for determining eligibility. Please consult your tax advisor.

** $3.00 Monthly fee waived with election of eStatements.

Personal Loans

Whether you are buying a new home or car, refinancing or building the house of your dreams, we have the options and experienced lenders to help you make the right decision.

With our free online pre-qualification application you will know exactly how much you can afford for your mortgage.

Pre-Qualification App →

You can also stop by or call any of our banking locations during regular business hours.

What to bring when applying for a loan.

First Mortgage Program
First Mortgage Program

Purchase a new home or refinance your existing home with one of our many loan programs. Our programs include loans with low down payments and loans without mortgage insurance.

Whether you are a first time buyer, self-employed business owner, or an existing homeowner wanting to buy up or cash out on your present residence, we have programs to fit just about every need.

Find a mortgage lender near you.

FHA Loans
FHA Loans

FHA loans offer a 3.5% down payment for those with limited credit and limited down payment funds. They're perfect for the first-time home buyer or any buyer with limited resources. Ask one of our lenders to see if you qualify for FHA financing.

Find a mortgage lender near you.

VA Loans
VA Loans

VA loans are government insured home loans with no down payment for our nation's Veterans and Military personnel1.

Our VA loans are offered for both purchases and refinances and have no Private Mortgage Insurance. The credit underwriting is flexible and the interest rates are low. Purchases and refinances are for primary residences only and an honorable discharge form must be provided.

Find a mortgage lender near you.

1. Credit and income qualifications must be met. If the loan amount exceeds the value of the dwelling, interest on the additional amount is not tax deductible- consult a tax advisor.

Lifestyle Loans
Lifestyle Loans

Looking for a loan to finance your child's orthodontics, buy a new furnace or put in that in-ground pool you've always wanted?

Our Lifestyle Loans help you purchase those must-have's in life with a little more confidence and are designed to make your life easier. Stop in today to apply or to learn more about qualifying purchases.

Installment Loans
Installment Loans

We offer a wide variety of installment loans, some of the best in the area. These types of loans will get you where you need to go. The next time you are in the market to buy a car, motorcycle, boat or even a new tractor, stop in and see an experienced lender.

Finance your next car or truck purchase with us and receive a $50 gas card!

Print Coupon →

Land Loans
Land Loans

The Vinton County National Bank is one of the few banks in the area to offer low down payments and attractive rates with minimal closing costs on land and vacant lot loans.

We also offer longer term financing for those interested in purchasing larger parcels of land.

Find a mortgage lender near you.

Construction Loans
Construction Loans

Got plans? From foundations to finish, you create the home, we'll construct the loan. We offer loans that take you through the construction phase of your home right through to the permanent financing you will need once your project is complete.

If you are thinking of building a home or placing a modular home on your lot, we are a great place to begin ... and end.

Full Details

Find a mortgage lender near you.

Manufactured Home Loans
Manufactured Home Loans

We offer loans to purchase mobile homes and loan programs for mobile homes and land. Terms on these loans vary so please call to get the most up-to-date information.

Find a mortgage lender near you.

Equity Line of Credit
Equity Line of Credit

This loan is ideal for your home improvements or other consumer expenses. Our equity line of credit offers you the flexibility to borrow money when you need it without coming into the bank. You can draw on your equity line by using a check. Rates are dependent on the amount of equity available in the home and the amount borrowed.

Equity Installment Loan

Just like our equity line of credit, this loan is ideal for home improvements and other consumer expenses. For those customers who want the discipline of a fixed payment amount, a home equity installment loan may be the answer. We offer various terms and rates.

Find a mortgage lender near you.

Customer Feedback

The Construction Loan process with Vinton County National Bank was easier than we ever imagined. Our loan officer walked us through every step of the process and was there to explain every detail as we made our way towards closing. From our initial application, to closing, and throughout the entire construction loan life cycle, he has been there to answer all of our questions and provide support. I absolutely would, and do, recommend Vinton County National Bank.
- Shane & Joanne S.
We were new to the process of having a construction loan and felt we could trust our lender at our local VCNB office to help us navigate the process. She made the whole process stress-free. She kept in touch with us to let us know what we needed to do next. We would definitely recommend your construction loan to anyone and everyone. We found that extraordinary care was provided and would give the whole process a 10 on a scale of 1-10.
- Bob and Becky K.
I would highly recommend Vinton County National Bank to anyone who is thinking about a new construction loan. The process was quick and smooth and our lender went above and beyond to make our dreams for a new home stress free. I can't say enough great things about our experience with VCNB and its staff. We are so happy we decided to walk into Vinton County National Bank that day!
- Tanja H.
CDs & IRAs

Current Rates → Open Online →Let your money grow with our personal investment products and contact us about investing in your future!

Certificate of Deposit (CD)

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 interest credited to another account or a check mailed to them on a regular basis.

Individual Retirement Account (IRA)

An Individual Retirement Account allows you to save more for your future. Earn interest on your money and continue to contribute to your retirement over time. We offer Traditional, ROTH, SEP and Educational IRA's allowing you to choose what is best for your long term goals. Stop in today and see an account representative to open your IRA.

Educational IRA's

Created as an incentive to help save for future educational expenses a Coverdell Education Savings Account is an excellent way to save for a college or technical school education.

Allowable contributions are made for a beneficiary under age 18 (or of special needs) and are limited by income. Distributions are tax-free as long as they are used for qualified education expenses. Funds may be invested in any of our Certificate of Deposit products.

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

ATM & Debit Cards

The VCNB ATM Card and MasterCard debit cards allow 24 hour access to your checking and savings accounts at various ATMs.

The Debit card can eliminate the need 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).

Custom Debit Cards

Custom debit cards are now available in your choice of exclusive designs or upload your own photo for a unique look.

Learn More →

Apple Pay™

Now you can enjoy all the benefits of your VCNB debit or credit card using Apple Pay on iPhone 6. Apple Pay changes how you pay with breakthrough contactless payment technology and unique security features built right into iPhone 6. So you can pay in an easy, secure, and private way.

Learn More →

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!

To activate card or change your PIN call 800.992.3808.
To report fraud after normal VCNB operating hours call 800.262.2024.
If your card has been lost or stolen card call 800.472.3272.

Credit Cards

Credit Card Login →Quicken/Quick Books Instructions →

Earn UChoose Points with Your Platinum Visa

Now earn UChoose Rewards Points with your Visa Platinum credit card! UChoose Rewards is a program that allows you to earn 1 reward point for every $1 spent in purchases on your Visa Platinum Credit Card. Redeem those points through to the UChoose website for merchant gift cards, travel, hotels, movie tickets, merchandise and thousands of other exciting products. Register your card through the UChoose site below and watch your points add up!

Set up or Login to UChoose Rewards.
UChoose Rewards →

To read Frequently Asked Questions about UChoose Rewards, click here.

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. APRs are current as of 10/1/2015 using a Prime Rate of 3.25%.

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

Revised: October 2015

Lost or Stolen Cards

To report a lost or stolen Vinton County National Bank Favor Credit Card, call  1-844-334-3875.

Gift & Reloadable Cards

General Purpose Reloadable Mastercard © (GPR)

A General Purpose Reloadable Mastercard © is a better way to pay and can be used for many different occasions. It is ideal for those who do not qualify or do not want a traditional checking account for fear of accidental overdraft.

With this card, you load it for a specific amount and then, once you have spent it, it is gone. There is no risk of overdrawing an account. General Purpose Reloadable Mastercard © are prefect for travel or to help your college kids out with money for books or even to pay your bills and make online purchases.

How To Purchase

  1. Visit a VCNB Banking Branch
  2. Choose your reloadable card
  3. Load the card for any amount up to $2000
  4. Call the number on the front of the card to activate
  5. Use anywhere Mastercard is accepted
  6. Reload at any VCNB Bank up to $5000

Check Card Balance →

Lost or Stolen Cards

To report a lost or stolen General Purpose Reloadable Mastercard ©, please call Cardholder Services immediately at 855-428-PAID (7243).

Applicable Card Fees

Several services, including card activations, pin resets and balance inquiries can be completed without incurring a fee online at

Other fees may apply, see a complete list available in your Cardholder Terms and Conditions.

Monthly Maintenance Fee1
Card Reload Fee
ATM Withdrawal Fee2
(First 2 Per month at No Charge)
ATM Balance Inquiry Fee2
(First 2 Per month at No Charge)
Cash Advance Fee
$2.50 + 2.0%
Live Agent Customer Service Fee
(First 1 Per month at No Charge)
IVR Self Service Fee
(First 4 Per month at No Charge)

1. Maintenance Fee is applied the first of each month
2. The owner of the ATM may also assess a surcharge fee

Gift Cards

Looking for the perfect gift for graduations, weddings or a birthdays? VCNB has prepaid gift cards in any denomination up to $500.

These cards are for use at anywhere Mastercard© is accepted. This gift, although it is like cash, is much more secure and can be used for online purchases. Simply visit one of our VNCB banking branches and give that perfect gift!

Savings Bonds

The Bureau of Public Debt has announced that starting January 1, 2012 financial institutions no longer conduct over-the-counter sales of U.S. Savings Bonds. Series EE and I savings bonds will be available in electronic form only through the online TreasuryDirect Program.

Individuals who currently possess paper savings bonds will be able to redeem them at financial institutions. In addition, paper bonds that have been lost, stolen or destroyed, may be reissued in either paper or electronic form.

Learn More →

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.