Vinton County National Bank

Mobile Banking

Mobile Banking

Now you can enjoy secure access to your bank accounts 24-hours a day, 7 days a week with Mobile Banking. So, no matter when the need arises, access your accounts at the touch of a button

There are no fees from us to use Mobile Banking. Contact your mobile service carrier regarding text messaging and/or data plan costs to access the internet from your mobile device.

The Mobile Banking options below are all available depending on the capabilities of your mobile device and service provider (AT&T Verizon, Sprint, etc.). An Online Banking account is required as well.

Video Tutorial → Frequently Asked Questions →

Banking Features
  • Check account balances
  • Review recent account activity
  • Transfer money between accounts
  • Pay online bills
  • Change or cancel pending payments
  • Deposit checks (application)
  • Find ATM & branch locations
Mobile Banking Application

The Mobile Banking Application requires a phone running an operating system that supports application downloads and may require a data services plan.

How To Install

  1. Visit your phone or tablet's app store and download VCNB Mobile
  2. Enter your Access ID (online banking username)
  3. Answer your Online Banking security question (previously set)
  4. Enter your Online Banking password

Instant Balance

Now you can check your account balance without logging into the app. Simply tap to icon at the top right corner of your log in screen to securely check your balances. Watch our Mobile Banking video to learn more.


Safeguard your information with CardValet, available within the VCNB Mobile app. CardValet allows you to deactivate your debit card when it's not in use. Protect your debit card against fraud and theft by turning it on and off, limit international purchases and be selective about what merchants you allow. Download VCNB Mobile today.

*VCNB Mobile requires Android OS 7 or higher

Mobile Browser Banking

To use this service your mobile phone must have an internet browser and may require a data services plan from your carrier. Once registered you'll receive a text message to confirm enrollment with a unique web site address. Save this web address to your favorites for future browser banking.

How To Register

  1. Log in to Online Banking
  2. Select the Options tab
  3. Select Mobile Settings
  4. Enter your phone number
  5. Choose Mobile Browser Banking
  6. Select accounts to view by phone
  7. Read and accept the mobile agreement

Beginning April 1, 2019, Online Bill Pay and Popmoney® Personal Payment Service will no longer be available in Mobile Browser Banking. Online Bill Pay and Popmoney will remain accessible in other digital banking channels, including online banking and the VCNB mobile app, Download the VCNB mobile app from your app store today or see any personal banker for assistance.

Text Message Inquiry

Now you can check your account balances and review recent account activity via text message. To use this service your mobile device must be capable of sending and receiving SMS text messages and short codes. Please note that some mobile service carriers charge for each message sent and received.

How To Register

  1. Log in to Online Banking
  2. Select the Options tab
  3. Click on Mobile Settings
  4. Enter phone number
  5. Choose Text Messaging
  6. Select accounts to receive texts
  7. Read and accept the mobile agreement
Mobile Deposit

The Mobile Deposit feature is only available using the VCNB Mobile application. Mobile Deposit uses your phone’s built in camera to take pictures of your check and submits the images electronically to make a deposit to your desired checking or savings accounts.

How To Use

  1. Log in to the VCNB Mobile Application
  2. Select Deposits
  3. Select New Deposit
  4. Choose the account to deposit
  5. Enter the amount of the check
  6. Endorse check with signature and write Mobile Deposit
  7. Capture a picture of the front and back of the endorsed check
  8. Confirm deposit details and click Yes to complete

Normal data rates apply.

Please include Mobile Deposit with your signature in the endorsement area.

Google Pay, Apple Pay®, and Samsung Pay

Now you can enjoy all the benefits of your VCNB debit or credit card using Google Pay, Apple Pay, and Samsung Pay. These mobile payment options allow you to pay with breakthrough contactless payment technology and unique security features built right into their programs. So you can pay in an easy, secure, and private way.

Learn More about Google Pay →

Learn about Apple Pay →

Learn More about Samsung Pay →

Privacy & Security

The following steps are strictly enforced by Mobile Banking to protect customers:

  • Restricts consumer private information in an SMS message response. Because Mobile Banking passes no private information, it has limited value to fraudsters or anyone who is not that registered consumer.
  • Provides labels for the financial institution’s account balance inquiry information but contains no account number or specific consumer credentials. This measure helps protect the financial institution’s and the consumer’s data.
  • Restricts passwords and account information in SMS transactions. This measure ensures that the consumer does not store text messages in the mobile device’s message outbox, which leaves the information vulnerable to theft.
  • Sends SMS messages from a short code or a series of short codes that the financial institution uses. The integrity of this short code is ensured by the mobile network. Consumers should only trust messages from the short code of their financial institution.
  • Passwords and usernames are encrypted. Encryption is the scrambling of information for transmission between two points. This protects your confidential information from being intercepted.

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.