Important Announcement

Attention VCNB Debit Card Holders: VCNB Tap To Pay with Visa® debit cards have been sent out to all cardholders! Your old VCNB Mastercard will be deactivated on September 30 so it is vital you activate and begin using your new Visa immediately. If you are a uChoose Rewards® customer, you will need to create a new uChoose account for this debit card. Call our Customer Service Team at 800.542.5004 for assistance. Get more details about your new Visa debit card on our blog - click here!

Joe Risch
Business Development Officer, SVP

Joe Risch

NMLS#: 512243
Home Office: Circleville
Email:
Phone: 740.954.3391
Cell: 740.601.1661
Fax: 740.477.6240

Make An Appointment

About Me

Joe Risch joined the VCNB Financial Family in 2008 after spending ten years with an agricultural lender in the area. He is experienced in home, installment and commercial loans but his true area of expertise is in agriculture including grain, livestock, timber sawmills and related areas. Joe has a Bachelor of Science in Agriculture from Ohio State University. He also is a graduate of South Eastern Agricultural Lenders School and the American Bankers Association Stonier Graduate School of Banking. Joe is married to his wife Alesha and has two step daughters Olivia and Riley. He enjoys golfing, Ohio State University athletics and the Cincinnati Reds.


Business Loan Options

  • Commercial Real Estate
  • Construction
  • Agriculture
  • Lines of Credit
  • Equipment
  • SBA
  • Municipal
  • Religious/Non Profit

Other Business Services

  • Merchant Services
  • Positive Pay
  • Remote Deposit Capture

Learn More

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