Lost or stolen cards
Report a lost or stolen VCNB credit card by calling 844.334.3875.
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.
To calculate balance, we use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.
Please read the Terms and Conditions provided in your account for information on your rights to dispute transactions and how to exercise those rights.
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 3/23/2023 using a Prime Rate of 8.00%.
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 23, 2023.