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

Business Rewards Checking

Open at Branch →

Earn points for purchases and more! The more you spend with your VCNB business debit card, the more you earn. Earn 1 point for every $3 you spend. Also, earn more UChoose Reward® Points by adopting additional business banking products. Redeem your reward points for cash back to your account. Register your card at and start earning today!

  • Minimum balance requirement of only $5001
  • 175 free transactions; $.25 per additional item2
  • Earn rewards points with your business debit cards
  • Free Mobile Banking and Bill Pay3
  • Free Basic Business Online Banking
  • Free Account Alerts
  • Free Electronic Statement4
  • Free Telebanc Services
  • Free Change Orders
  • Deluxe® Payroll
  • Merchant Services
  • Lock Box Services

Business Rewards Checking +Plus

Open at Branch →

A Premium Checking Account with Even More Ways to Earn! Earn UChoose Reward® Points on everyday purchases with your VCNB business debit card. Get even more points by adopting additional products that are exclusive to Business Rewards Checking Plus account holders. Redeem your rewards points for cash back to your account. Register your card at and start earning today!

  • No minimum balance requirement
  • $15 monthly service charge. Waived with $10,000 average collected balance for the month
  • 400 free transactions; $0.35 per additional transaction2,6
  • $100,000 in combined monthly loan & deposit relationship balance(s) waives monthly maintenance fee & per item fees
  • Earn rewards points with your business debit cards
  • Free Mobile Banking and Bill Pay3
  • Free Basic Business Online Banking
  • Free Account Alerts
  • Free Electronic Statement4
  • Free Telebanc Services
  • Free Change Orders
  • Deluxe® Payroll
  • Merchant Services
  • Business Online Banking Plus
  • Remote Deposit Capture
  • Positive Pay
  • Lock Box Services

Additional Rewards:

Business Debit Card Purchases (Both PIN & Sig Purchases)

1 pt for every $3 spent; 200 bonus pts for 21 or more purchases per cycle

Deluxe® Payroll

2500 pt bonus one-time upon sign up

Merchant Services

5000 pt bonus one-time upon sign up

VCNB Business Visa® Platinum credit card

2500 pt bonus one-time upon sign up; earn one point for every $1 spent.

Positive Pay7

6000 pt bonus one-time upon sign up

Remote Deposit Capture7,8

5000 pt bonus one-time upon sign up

Business Online Banking Plus7

2500 pt bonus one-time upon sign up

1. $500 minimum average collected balance requirement. If < $500, a $5 fee will be assessed per statement cycle.
2. A transaction is considered a check written, deposit made, check deposited, ACH credit and ACH debit.
3. Accounts registered for bill pay that do not make at least one payment during the calendar month will be assessed a $3 fee.
4. $5 per statement cycle for paper statements.
5. Additional fees apply for additional services. Contact an account representative for individual business pricing.
6. Maximum 2,000 items per month. For businesses with the need to process greater than 2,000 items per month, please see a personal banker for pricing.
7. Only available with Business Rewards Checking Plus.
8. Enrollment in Business Online Banking Plus is required.

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!

Find a business lender near you.

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.

Deluxe® Payroll Service

Vinton County National Bank offers a Self-Service Payroll solution to meet the needs of your business. Deluxe® Payroll is easy-to-use and cost-effective for most small businesses.

Deluxe has been providing automated payroll and HR solutions for 35+ years and is now a proud partner of VCNB.

Benefits For Your Business

Customized Payroll Management

  • Expertise in every industry, including yours
  • Payroll checks, cards, and direct deposits
  • Contractor payroll
  • Tax deposits and filing
  • W2s and 1099s
  • Leave pay reporting/tracking
  • 401(k) administration

Triple-Safe Tax Payment Assurance

  • An Electronic Federal Tax Payment System confirmation number printed on every payroll statement
  • A complete tax summary printed on every payroll statement

24/7 Online Access with MyPayCenter

  • Payroll processing in as few as three clicks
  • Instant, customizable reports
  • Employee self-service
  • CPA/bookkeeper access
  • Multiple layers of security

Hassle-Free HR Management

  • HR Online Support Center – everything you need, all in one place
  • HR On-Demand – a certified consultant answers your calls and helps resolve issues
  • HR Complete – a dedicated HR pro helps you stay compliant via regular check-ins

Customer Service You’ll Love

  • Free one-on-one support from a specialist assigned to your business
  • No automated voicemail
  • Customized assistance for your specific needs
  • Clear, constant, up-to-date communication

Get a quote →

Positive Pay

Positive Pay is our solution to help protect your account from fraudulent activity such as cybercrime, identity theft and fraudulent check writing. Positive Pay allows daily verification of checks written as well as ACH items to ensure that they were initiated by you and that they are clearing for the correct amount. You have the ability to upload check files and we will create exceptions based on any mismatched items or you can verify all items. Simply log into your Business Online Banking to view your exceptions and upload your check files.

Remote Deposit Capture

Remote Deposit Capture is a convenient product that 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 scanner, setup and training will be provided by our Remote Deposit Capture specialists.

  • $25 monthly maintenance fee1
  • 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 Remote Deposit Capture is easy for current customers too! Just notify your New Account Representative at your local banking office to upgrade.

1. Remote Deposit capture requires Business Online Banking Plus which can be added to any business checking account for a $25 monthly fee. An upgraded scanner is available for high transaction businesses at a $55 monthly fee.

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

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

Both cards are accepted by JEANIE, PLUS and STAR systems. MasterCard debit cards are issued only on checking accounts. 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).

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 →Quicken/Quick Books Instructions →

Earn UChoose Points with your Visa Platinum Business Credit Card

Now earn UChoose Rewards Points with your Visa Platinum Business 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 Business 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.

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases 4.99% introductory APR for the first six months. After that, your APR will be 12.9%
Annual Percentage Rate (APR) for Balance Transfers 4.99% introductory APR for the first six months. After that, your APR will be 12.9%
Annual Percentage Rate (APR) for Cash Advances 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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Transaction Fees  
     • Cash Advance Either $5 or 3% of the amount of each cash advance, whichever is greater
     • Balance Transfer None
     • Expedited Payment $10.00
Penalty Fees  
     • Late Payment 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

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.

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

Lost or Stolen Cards

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

Business Online & Mobile 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.

VCNB Business Mobile

Download the VCNB Business Mobile App today to have your account at your fingertips. The VCNB Business Mobile App gives you access to Bill Pay, Mobile Deposit, transfers, payroll approval and much more. Download the app today by clicking below.

Google Play Store → Apple App Store →

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.

  • 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 Sweep
  • Savings ATM
  • Savings Balance
  • Savings Pending
  • Savings Transaction Notice
  • 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.