Vinton County National Bank

Savings & Money Market Accounts

Grow Your Savings with Confidence at VCNB

Whether you're saving for a rainy day, a big purchase, or your future, VCNB offers a range of savings and money market accounts designed to help your money work harder for you. Enjoy competitive interest rates, easy access to your funds, and the trusted local service that puts your financial goals first. Start building your savings today with accounts tailored to fit your lifestyle and financial needs.

Overview	Passbook Savings Account	Minor Passbook Savings Account	Hi-Fi Money Market Account	Velocity Money Market	Rate Watchers Money Market
	A safe place to tuck away funds and save for the future. Earn money as you go. Open Now See Rates	The same benefits as our traditional Passbook Savings Account but for those under the age of 18. Open At Branch See Rates	For those with some savings already built up. The more you save, the more you earn! Open Now See Rates	A more robust savings plan with an optimal return on your money. Higher savings balances earn bigger rewards. Open At Branch See Rates	For the rate-driven saver interested in maximizing competitive savings rates. Open At Branch See Rates
Opening Deposit	$100	$0	$1,000	$75,000	$25,000
Interest Bearing	with Balances of $100 or more	with Balances of $100 or more	paid on tiered amounts	paid on tiered amounts	paid on tiered amounts
Monthly Service Charge	$2.00 if balance falls below $100	$0	$10.00 if balance falls below $1,000	$10.00 if balance falls below $10,000	$10.00 if balance falls below $10,000
Online Account Access
Electronic Statements
In-Person Withdrawls^*	2 per month free then $2 each	2 per month free then $2 each	Unlimited	Unlimited	Unlimited

Passbook Savings Account
A safe place to tuck away funds and save for the future. Earn money as you go. Open Now See Rates
Opening Deposit $100
Interest Bearing with Balances of $100 or more
Monthly Service Charge $2.00 if balance falls below $100
Online Account Access
Electronic Statements
In-Person Withdrawals^* 2 per month free then $2 each

Minor Passbook Savings Account
The same benefits as our traditional Passbook Savings Account but for those under the age of 18. Open at Branch See Rates
Opening Deposit $0
Interest Bearing with Balances of $100 or more
Monthly Service Charge $0
Online Account Access
Electronic Statements
In-Person Withdrawals^* 2 per month free then $2 each

Hi-Fi Money Market Account
For those with some savings already built up. The more you save, the more you earn! Open Now See Rates
Opening Deposit $1,000
Interest Bearing paid on tiered amounts
Monthly Service Charge $10.00 if balance falls below $1,000
Online Account Access
Electronic Statements
In-Person Withdrawals^* Unlimited

Velocity Money Market
A more robust savings plan with an optimal return on your money. Higher savings balances earn bigger rewards. Open At Branch See Rates
Opening Deposit $75,000
Interest Bearing paid on tiered amounts
Monthly Service Charge $10.00 if balance falls below $1,000
Online Account Access
Electronic Statements
In-Person Withdrawals^* Unlimited

Rate Watchers Money Market
For the rate-driven saver interested in maximizing competitive savings rates. Open At Branch See Rates
Opening Deposit $25,000
Interest Bearing paid on tiered amounts
Monthly Service Charge $10.00 if balance falls below $10,000
Online Account Access
Electronic Statements
In-Person Withdrawals^* Unlimited

Health Savings

A Health Savings Account (HSA) from VCNB empowers you to save money tax-free for qualified medical expenses while enjoying the flexibility to use your funds when you need them. It’s an easy, smart way to plan for current and future healthcare costs, all while benefiting from potential tax advantages. Start your HSA today and gain peace of mind knowing you’re prepared for whatever health expenses come your way.

Savings FAQs

What types of savings accounts does VCNB offer?

VCNB provides a range of savings options, including traditional savings accounts and money market accounts, each designed to help you save effectively while earning competitive interest rates.

Are there minimum balance requirements for these accounts?

Yes, minimum balance requirements may apply depending on the specific account type. It's important to review the details of each account to understand the balance requirements and how they may impact your account.

How can I access my funds in these accounts?

Access to funds in savings and money market accounts is typically available through in-person visits, online banking, and ATMs. However, certain accounts may have limitations on the number of withdrawals or transfers you can make per month.

Are there fees associated with these accounts?

Fees may apply depending on the account type and how it's managed. For instance, maintaining a minimum balance can help avoid certain fees. It's advisable to consult the specific account terms or speak with a VCNB representative for detailed information.

How can I open a savings or money market account with VCNB?

You can open an account by visiting any VCNB branch or by contacting our customer service for guidance on the application process.

Need A Health Savings Account?

Learn more

Disclaimers -
^*Transfers from a savings or money market account to third parties by preauthorized, automatic, online banking or telephone transfers are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

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