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
Savings Accounts
Personal Loans
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.

Debit cards can be used any place where MasterCard is accepted (13 million locations worldwide). 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 and not part of the MoneyPass® network, 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 →

ATM Locations

32,000+ Surcharge-Free ATMs! VCNB is now part of the MoneyPass network.  With 32,000 total nationwide MoneyPass ATMs including many inside convenient retail locations, you're good to go. Accessing your cash has never been easier!

Learn More →

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 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 10.90%
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 10.90%
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 11/1/2019 using a Prime Rate of 5.00%.

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: March 22, 2018

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

Gift Cards

Looking for the perfect gift for graduations, weddings or birthdays? VCNB has prepaid gift cards in any denomination up to $1000.

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!  There is no minimum age to purchase.

Card Minimum/Max Amount $10-$1000
Purchase Fee $4.99
Reload Fee Non-Reloadable
Monthly Maintenance Fee No fees until 12 consecutive months of inactivity then $2.95/month
Age Requirements No minimum age to purchase

Reloadable Cards

A 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. Reloadable cards are perfect to help your college kids out with money for books or even to pay your bills and make online purchases.  You can even have your paycheck directly deposited onto this card.  You must be 16 years of age to purchase.

Card Minimum/Max Amount $10,000 max balance.  Initial load amount is $10-$5000 max.
How often can I reload? 3 times in 24 hours
Purchase Fee $5.99
Reload Fee $2.00 in office load; direct deposit is free
Monthly Maintenance Fee $4.95/month; waived with any load
Age Requirements 16 years of age; 13 years for secondary card holder
Additional Cards Up to 2 secondary cards available at time of purchase; $1.99 each

Travel Cards

Travel securely with a Reloadable Travel Card from VCNB.  Now when you are making purchases outside of your hometown, you can rest assured knowing your money is safely loaded onto a prepaid card.  No longer are you risking using your debit card or cash to make purchases, you can purchase anything, anywhere Mastercard© is accepted worldwide.  Traveling with a spouse or child?  Purchase a companion card for only $1.99 additional.  To purchase, the primary cardholder must be 16 years of age.  The companion cardholder must be at least 13 years of age.

Card Minimum/Max Amount $10,000 max balance.  Initial load amount is $10-$5000 max.
How often can I reload? 3 times in 24 hours
Purchase Fee $5.99 (Secondary card $1.99)
Reload Fee $2.00 in office load; direct deposit is free
Monthly Maintenance Fee $4.95; monthly fee waived for the first 3 months and with any load
Age Requirements 16 years of age to purchase primary card.  13 years of age to use companion card.

See terms and conditions for more details. Cards issued by MetaBank®, Member FDIC, pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.

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.

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.