Watch Demo →Opening an account has never been easier. If available, simply click "Open Online" and follow the instructions. For any accounts not available to open online please visit a VCNB Banking Center today! Click the "Watch Demo" for a tutorial on how to open an account online.
Personal Checking Accounts
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.
Get unlimited check writing and free official checks and money orders, along with the convenience of our online products and services.
Checking My Way
When you need flexibility and choice. Checking My Way has no balance requirement, free electronic statements, online and mobile banking and deposits.
Student Checking My Way
An account just for students 14-17 years old. This account has no balance requirement, free electronic statements and the technology students want.
Personal Savings Accounts
The Passbook savings account requires an opening balance of $100 minimum, no minimum for minors. Interest is paid on this type of savings account.
Hi-Fi Money Market
The Money Market account can be opened with a balance of $1,000 and interest is paid on tiered amounts. As your balance increases so do the rates.
Health Savings Accounts (HSA)
Health Savings Accounts (HSA) are offered to help individuals with high deductible health insurance plans to save money tax-free for qualified medical expenses.
VELOCITY MONEY MARKET
The Velocity Money Market account must be opened with a balance of $75,000. Interest is paid on tiered amounts. There is a $10.00 charge per statement cycle if balance falls below $10,000 minimum daily balance.
Business Checking Accounts
Business Rewards Checking
The perfect account for hassle-free business banking. Earn Rewards Points for your business debit card purchases, get free mobile banking and free basic bill pay.
Business Rewards Checking +Plus
The perfect account for those looking to do more and earn more with their business checking account! Earn rewards points for adopting products that make banking easier like Positive Pay, Remote Deposit Capture and Business Payroll.
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. CDs can be opened by an individual or a business.
Individual Retirement Account (IRA)
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. Open to individuals only.
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.
To support the many business needs we offer loans on commercial real estate, construction, inventory, working capital, business equipment, lines of credit and letters of credit.
Online banking allows you to view all of your VCNB accounts including checking accounts, savings accounts, loans, individual retirement accounts and certificates of deposit.