Vinton County National Bank

Terms & Conditions

The following terms and conditions apply to products and programs offered by The Vinton County National Bank as well as use of this website. For additional information on any of these items please contact us toll-free at 800.542.5004.

Online Banking

VCNB Online Banking allows you to transfer funds between certain accounts, review account activity and balances and download account statements into personal financial software using a computer. You choose which accounts you wish to view or access via our Online Banking Application. You must be 14 years of age or older to apply.

Use of this product is governed by these Online Banking Terms and Conditions, as well as the Terms and Conditions governing your other accounts at this bank. Please read these rules carefully and retain them for your records. We have the right to change these Terms and Conditions at any time, as permitted by law, by notice mailed or emailed to you at the last known address we have on file. In applying for Online Banking, you agree to the following Terms and Conditions:


To access our Online Banking product, you must have an industry standard, bank supported browser that provides 128-bit encryption, such as Internet Explorer, Google Chrome, Safari or Firefox. To verify your browser version compatibility, please contact VCNB. VCNB strongly recommends the devices that access our online products have industry standard security software including, but not limited to, anti-virus, anti-malware, intrusion prevention, and firewall protection. Browsers, operating systems, and security software should be maintained with relevant and necessary security patches.

Online Banking access is available through our website at The link to Online Banking can be found on the homepage.

Login ID and Password

Online Banking is accessed by use of a Login ID and password, which is established during your first login. Anyone to whom you give your Login ID and password will have full access to your accounts and account information even if you attempt to limit that person's authority. Therefore, you should treat your Login ID and password with the same amount of care and secrecy with which you treat your sensitive financial information. You agree not to share your Login ID and password with anyone else. If you have given someone your password, you are liable for all transactions conducted by that person, even without your permission. If you have given someone your password and want to terminate that person's authority, you must change your password to prevent further access by them.

If you believe that your password has been stolen or used without your authorization, notify us immediately at 800.542.5004 during normal business hours. You may also email us at, but be sure not to include any of your account numbers or Social Security Number. Your name, address and a brief message as to the nature of the problem is all we will need.

The first time you login to Online Banking you will be asked to complete our online application. You will be required to enter your Telebanc password or if you do not use Telebanc, the last four digits of your social security number. Once our online application is complete you will have immediate access to Online Banking.

Your access to Online Banking will be blocked in the event that your Login ID and password are entered incorrectly on five (5) consecutive attempts. If this happens, contact our Customer Service Department at 800.542.5004 to reset your account.

The Online Banking system will log you off after 10 minutes of inactivity.


You may use Online Banking to check the balances and review the activity in your accounts. The balance shown may not be your actual available balance. It may include deposits still subject to verification by us. The balance may also differ from your book balances due to outstanding checks and other transactions in process.


You can transfer funds from the following types of accounts: Checking, Savings, HiFi, Personal Lines of Credit and Home Equity Lines of Credit. A transfer from is treated as an electronic transfer for service charge calculation purposes. You can transfer funds to the following types of accounts: Checking, Checking Plus, Savings, HiFi, HSA, Installment Loans, Real Estate Loans, Note and Commercial Loans, Home Equity Lines of Credit and Personal Lines of Credit. These transfers can be one-time or reoccurring.

Transfers completed before 6:00 p.m. should process on the current business day. Any transfers completed after 6:00 p.m. will post to the accounts the following business day. You will receive a confirmation number for the transaction at the time transfer is requested. Any attempted transfer which exceeds the available balance will process and may result in an overdraft charge.

Business Days

Online Banking will be available 24 hours a day, seven days a week, except for maintenance periods or at other times when reasons beyond our control make it unavailable. However, we only process transactions and update account information on business days. Business day means Monday through Friday, except for bank holidays. Transfers done after 6 p.m. will be processed one business day later.


We reserve the right to institute fees for Online Banking in the future and will notify you by mail or email at least 30 days prior to any change.

Changes and Terminations

You may terminate your Online Banking service or change access to certain accounts at any time by phoning, writing, emailing or telling us in person. You agree to allow us up to 10 business days to process the termination or change.

If you do not logon to Online Banking for 365 days, you will be required to reenroll.

Account Alerts

The Vinton County National Bank Alerts Terms and Conditions

Alerts. Your enrollment in Vinton County National Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Vinton County National Bank account(s). Alerts are provided within the following categories:

  • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
  • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
  • Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the  Alerts menu within The Vinton County National Bank Online Banking and Alerts menu within The Vinton County National Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Vinton County National Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Vinton County National Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop Alerts via text message, text "STOP" to 96924 at any time.  Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in The Vinton County National Bank Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again.  For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at 800-542-5004. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Vinton County National Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Vinton County National Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Vinton County National Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

Mobile Banking

Thank you for using the Mobile Money Services (“Services”) and any related Software (“Software”) provided by Vinton County National Bank (“Financial Institution”) combined with your handheld's text messaging capabilities. By participating in the Services or using the Software, you are agreeing to the following terms and conditions, in addition to any terms and conditions to which you have previously agreed with respect to the underlying electronic banking and billpay services of which the Service is a part. Financial Institution in its discretion may modify these Terms and Conditions at any time. Standard messaging and data usage charges apply.

Terms and Conditions

a. Program: Financial Institution offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over the Short Message Service (SMS), Mobile Browser, or Downloadable Application, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship with Financial Institution as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Standard messaging charges apply. Customers will be allowed to opt out of this program at any time.

b. Questions: You can contact us at or 800-542-5004, or send a text message with the word "HELP" to this number: 96924. We can answer any questions you have about the program. If you use the text option, you will be given instructions on the text commands to get your balance, account history, ATM locations, and Branch Locations. Standard Message and Data Rates may apply.

c. To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS.
Just send a text that says "STOP" to this number: 96924. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages. This is only available through SMS.

d. The Services and/or Software may not be available at any time for any reason outside of the reasonable control of Financial Institution or any service provider

Privacy and User Information. You acknowledge that in connection with your use of the Services, Financial Institution and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with the Services or Software (collectively “User Information”). The Financial Institution and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver the Services and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The Financial Institution and its affiliates and service providers also reserve the right to monitor use of the Services and Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use. You agree not to use the Services and Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use the Services and Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Financial Institution (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Financial Institution or any third-party service provider involved in the provision of the Services; or (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or Services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Financial Institution, any third-party service provider involved in providing the Services, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (i) access any Software or Services for which your use has not been authorized; or (ii) use or attempt to use a third party’s account; or (iii) interfere in any manner the provision of the Services or Software, the security of the Services or Software, or other customers of the Services or Software, or otherwise abuse the Services or Software.

Mobile Deposit

Mobile Deposit uses a smartphone camera to take a picture of the front and back of each check and submit the images electronically to make deposits to your checking or savings accounts. When capturing the images, visual brackets provide a guide for centering the check. Each check image is analyzed for quality upon submission; if the image does not pass, the customer is immediately notified and they can re-capture the check image. Customers can cancel the transaction at any time during the mobile deposit process. However, once the transaction has been submitted, it cannot be canceled.

This service is only available through the downloadable application, learn more.

Eligible Items

We can accept checks payable to you, drawn on a U.S. Bank. We cannot accept:

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into
  • Checks payable jointly unless deposited into an account in the name of all payees
  • Traveler’s cheques
  • Money orders
  • Checks drawn on a financial institution located outside the U.S.
  • Checks not payable in U.S. currency
  • Checks previously converted to a substitute check, as defined in REG CC
  • Remotely created checks
  • Returned checks
  • Checks dated more than 6 months prior to the date of deposit

Image Requirements.

The check images presented to the bank must accurately represent all information on both sides of the checks and check images must contain the endorsement “For Mobile Deposit Only” along with the endorser’s signature.

Deposit Limits

You may deposit up to $2,500 per business day.


No charge will apply to deposits made through Mobile Deposit Capture.


You agree to endorse the check as “For Mobile Deposit Only” along with the endorser’s signature.

Available Funds

You agree that items transmitted using this service are not subject to the Funds Availability Requirements, Federal Reserve Board Regulation CC. If you make a deposit before 4:00 p.m. Eastern Time on a business day that we are open (Saturdays are not considered business days), we will consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Your funds will usually be available the next business day. Customer is responsible for verifying that deposits have posted to the appropriate account.

All deposits are subject to verification and can be adjusted or rejected upon review.


You agree to notify the bank of any suspected errors regarding items deposited through the service immediately, and in no event later than 30 days after we sent you the account statement on which the error appeared.

Retention and Destruction of Original Items

After verifying the deposit has been received, you agree to securely store and retain the check(s) for at least 60 calendar days from the date of the image transmission. During this period you agree to promptly provide the check to the bank if requested. After 60 days, you agree to shred or otherwise destroy the deposited items.

We reserve the right to deny access to the use of our Remote Mobile Service without prior notice if it is unable to confirm your authority to access the Remote Mobile Service or we believe such action is necessary for security reasons.

Business Online Banking Service Agreement

This is the agreement for Vinton County National Bank Business Online Banking Service (the “Agreement”) and it includes certain disclosures for electronic transfers and transactions. This Agreement, along with any Addendum's attached hereto, is in addition to other agreements between Vinton County National Bank and you, including but not limited to, checking, savings, and other deposit account agreements, credit card agreements, overdraft protection, loan and line of credit agreements as each may be modified from time to time. If there is a conflict between the terms and conditions of this Agreement and one contained in the other agreements between you and us, this Agreement will control. Please read it carefully and maintain a copy for your records.


As used in this Agreement, the words “we”, “our”, “us”, and “Bank” mean Vinton County National Bank. “You” and “your” refer to the account holder authorized by us to use Business Online Banking under this Agreement and anyone else authorized by that account holder to exercise control over the account holder's funds through Business Online Banking . “Accounts” means your accounts at the Bank that are accessed through Business Online Banking. “Electronic funds transfers” means a transfer to or from your Accounts using Business Online Banking. “Business Online Banking Services” means the services provided pursuant to this Agreement. Our “Business Days” are Monday through Friday (holidays not included). All times are based upon local time of the Bank.


To use Business Online Banking, you must have at least one checking account at the Bank, access to the Internet, and an email address. You are responsible for the set-up and maintenance of your business computer and modem. You agree that we are not responsible for any errors or failures from any malfunction of your computer or any virus or other computer problem related to the use of Business Online Banking.

Enrollment and Accounts

You must complete and return an Enrollment Form to us for our approval. If you are approved, we will send you a confirmation of our acceptance of your enrollment and your assigned login ID and temporary password (or token if applicable). You authorize us to obtain information about you from others (including credit reporting agencies) as part of our review of your enrollment application, from time to time thereafter. You agree to provide us with information as requested from time to time. Business Online Banking can be used to access only the Accounts which you have designated for access by Business Online Banking in your Enrollment Form. You can add or delete any of your Accounts from this Agreement by completing an Business Online Banking Change Form. Access to your Accounts through Business Online Banking will be based upon the identification of users and authority levels specified by you in your Enrollment Form.

Business Online Banking Services

You can use Business Online Banking to check Account balances, view Account histories, transfer funds between your Accounts, order checks, make stop payment requests, view checks, and perform wire transfers. You may also be eligible to use Business Online Banking for additional services, such as automated clearinghouse transfers, if approved by us. If approved, you must execute an ACH Origination Agreement prior to using this service on Business Online Banking. The balance and activity information that you obtain through Business Online Banking are as of the end of the previous Business Day and include memo posted transactions for the day of inquiry.

Hours of Access

You can use Business Online Banking seven days a week, twenty-four hours a day. You may choose to limit the hours Business Online Banking is available to your employees on an employee basis. Some or all the Business Online Banking services may not be available occasionally due to emergency or scheduled maintenance. We will use reasonable efforts to post notice of any extended periods of nonavailability on our website:

Your Password

For security purposes, you are required to change your password upon initial login to Business Online Banking. You determine what password you will use and the identity of your password is not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password. You will be required to change your password every 12 months. When you log on, you will be prompted to enter a new password when it is time to change. Passwords must be between 10 and 17 characters in length and contain at least one upper case (capital) letter, one lower case (small) letter and one special character. Your current password cannot be repeated. Upon three unsuccessful attempts to use your password, your access to Business Online Banking will be revoked. To re-establish your authorization to use Business Online Banking, you must contact us to have your password reset or to obtain a new temporary password.

Your password should not be associated with any commonly known personal identification, such as social security numbers, address, date of birth or names of children, and should be memorized rather than written down.

Security Tokens

The Bank will perform a Business Risk Assessment for each new Business Online Banking client. In some cases, such as the origination of an ACH file, a security token will be required. This means that in order to access Business Online Banking the client must have possession of the token in addition to a password. The Bank will provide this token at a charge to the business.

Authorization and Processing Transfer Requests

If a request for a transfer to or from any Account, including payment orders for processing through Fedwire or other large dollar payment systems (or any request for cancellation or amendment of any such request, a “Request”) is received by Bank and purports to have been transmitted or authorized by you, it will be deemed effective as your Request or entry and you will be obligated to pay the amount of the Request, even though the Request was not authorized by you, provided we acted in compliance with the security procedure chosen by you.

You agree that the authenticity of Requests and other instructions to us received through Business Online Banking will be verified pursuant to the security procedures contained in the Business Online Banking Services. You acknowledge that the Bank has offered you the option of utilizing one of several types of security procedures, and that the one you have chosen to use is commercially reasonable. You also understand and agree that the security procedures are not for the purpose of detecting error. Bank recommends that you establish two levels of authority to request and transmit monetary transfers to the Bank.

You acknowledge and agree that if a Request describes the beneficiary or beneficiary's bank inconsistently by name and account number, execution of the transfer request will occur on the basis of the account number, even if it identifies a person different from the named beneficiary or bank, and that your obligation to pay the amount of the transfer request to us is not excused in such circumstances.

Stop Payments

You may order, through Business Online Banking, stop payments on any of your checks, which have not yet been paid by Bank. You must be able to provide the correct check number and exact amount of the check. Any loss suffered by you due to your failure to accurately identify the check in the stop payment request will be your responsibility and not of the Bank.

No stop payment order will be effective against a check that has paid prior to the time that the Bank has received the order and had a reasonable period of time to respond to the order. You understand that you are responsible for determining whether a check has or has not paid and the Bank is not responsible for this determination.

At the time you submit a stop payment order to the Bank through Business Online Banking, you agree to access the appropriate account and data bases through Business Online Banking and determine whether the check to which the stop payment order relates has or has not already been paid. You understand that the information available through Business Online Banking regarding account status and specifically whether individual checks have or have not been paid, is updated only once in each twenty-four (24) hour period. As a result, you understand that the information available via Business Online Banking regarding the status of individual checks on any given Business Day will be limited to transactions that were processed on the previous Business Day.

You acknowledge that the information regarding the status of individual checks will not include transactions – including cash payments – on a check that occur on the same Business Day as the date of receipt of the stop payment order. You acknowledge that a transaction search through Business Online Banking will not necessarily reveal whether a check has been paid until the Business Day after the Business Day on which the stop payment order is received by the Bank. Any loss suffered by you due to your decision to issue a new or replacement check, or to take any other action based on the information in Business Online Banking prior to the next Business Day after the Business Day on which the stop payment order has been received by the Bank will be your responsibility and not the responsibility of the Bank.

The Bank may, but is not obligated to, notify you if the Bank determines through the process of updating the account status on Business Online Banking that the check was paid on the day the stop payment order was received by bank.

Stop payment orders remain in effect for six (6) months. You may request a Stop Payment to remain in effect for 12 months (for an additional charge) by contacting the Bank. You may cancel stop payment orders through the “Message” feature in Business Online Banking, or by contacting the Bank. Stop payment orders are automatically canceled when the account on which the check is drawn is closed or at the end of the term of the order (unless renewed by you). Under certain circumstances, a holder of the check may be entitled to enforce payment against you even when a stop payment order is in effect.

Business Online Banking may not be used to stop payment on any automatic entry, such as automatic monthly drafts or automated clearing house (ACH) debit or credit entries, and the Bank may ignore any attempted stop payment order relating to such items if the order is transmitted through Business Online Banking.

Authorization Controls for Services

You are responsible for controlling access to the Services and for any limitations placed by you on Business Online Banking that may be used by other persons. The fact that we are or may be made aware of, or could have discovered, any limitation on access to Business Online Banking does not make us obligated to enforce or attempt to enforce any limitation. You understand that persons may utilize Business Online Banking (including inquiries, transfer requests, and account verification) without regard to any restrictions otherwise applicable to an account. For example, if a person directs transfers from a given account, that person can initiate the transfers whether or not he has been authorized to do so according to the signature card applicable to the Account. If a person has signing authority over Account “A” but not over Account “B”, but has access to Business Online Banking, he or she could transfer funds from “B” to “A” and then withdraw funds from “A”. You agree that any arrangements with us to require one or more authorized signatures for transactions involving your Accounts do not apply or limit our obligation to act upon transfer requests through Business Online Banking.

Electronic banking services may require that you designate an individual (and, where applicable, we recommend that you have at least two individuals) who are authorized to take control of the security procedures inherent in Business Online Banking. The employee(s) who execute the Customer Enrollment Form are conclusively presumed to be the designated company contact(s). The designated company contact is authorized to approve and submit Customer Enrollment Forms and any related Business Online Banking documents. The company contact can assign to one or more other persons, the role of System Administrator and you acknowledge that the Bank will not control (and may not even be aware of) changes to the role or person of the System Administrator.

It is the System Administrator's responsibility to understand the security capabilities built into Business Online Banking and to decide which of your Accounts to link to each Access ID and what level of activity is appropriate for each account linked to the Access ID, keeping in mind the importance of separation of duties as an important way of protecting your company. Error, negligence, or misconduct by the System Administrator or by any user of Business Online Banking can cause significant losses for which you agree you and not the Bank will be responsible; you agree to maintain insurance in appropriate form and amount to protect you against this risk.

Compliance with Security Procedures and Protection of Business Online Banking

You assume all risks associated with the disclosure or discovery of any password to or by your employees or others. You agree to limit disclosure of passwords to those who you authorize or who have a specific need to know and who have been authorized by you to use Business Online Banking. You will establish procedures to protect the confidentiality of all information relating to Business Online Banking, including all passwords, and will promptly notify us if you know or suspect that codes, passwords or other security information is stolen, compromised, or misused. You will require authorized persons to create new passwords at reasonably frequent periods, based on your assessment of the security requirements appropriate for the Business Online Banking services utilized by you. You agree to promptly remove an employee's password from the Business Online Banking and to promptly notify Bank whenever an authorized employee leaves your employ or otherwise is no longer authorized to use Business Online Banking on your behalf.

You agree that we will not be responsible for verifying whether a Transfer Request or other communication is originated by you other than through the verification process contained in the security procedures of Business Online Banking. Thus, when a person is added or deleted by you as a user of Business Online Banking, we will treat that person as “authorized” if a Transfer Request or other communication is received by us in accordance with the security procedures, without otherwise verifying the person's status with you or investigating whether the person is exercising authority granted by you or is acting consistent with any limitations imposed by you on that person.

Your Obligation to Review Security Procedures

You will review and implement all security procedures available in connection with Business Online Banking. After this review, you will notify us if your use of Business Online Banking would necessitate or be better served by a level of security that exceeds that offered by Business Online Banking. If you fail to notify us, you acknowledge and agree that the security aspects of Business Online Banking are appropriate for your needs and will provide you with a commercially reasonable degree of security against unauthorized use.

Data transferred via Business Online Banking is encrypted in an effort to provide transmission security. Notwithstanding our efforts to insure that Business Online Banking is secure, you acknowledge that the Internet is inherently insecure and that all data transfers (including Transfer Requests and electronic mail) occur openly on the Internet. This means that the data transfers potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Business Online Banking will not be monitored or read by others. We will not send, and strongly suggest that you do not send, any confidential information unless using the electronic communications options provided in our customer service section.

Fees and Charges

You agree to pay our fees and charges for your use of Business Online Banking. A current schedule of fees and charges is attached to this agreement. You agree that fees and charges may be deducted from the account specified by you. You agree to pay any additional charges for Bank services you request which are not covered by this Agreement. You are also responsible for telephone, internet service, and any other third party fees you incur in connection with your use of Business Online Banking. Bank may modify any fees or charges at any time. We will provide you with notice of any changed fees or charges, normally thirty (30) days in advance of the effective date of the change.

Processing Transfers

Transfers between your accounts completed through Business Online Banking before 6:00 p.m. on a Business Day are posted to your Account the same day. Transfers completed after 6:00 p.m. on a Business Day, or on a Saturday, Sunday, or banking holiday, will be posted on the next business day.

Wire transfers and origination of ACH transactions are subject to specific cutoff times for same day processing. Wire transfer instructions and ACH transactions originated through Business Online Banking before 2:00 p.m. will be processed that Business Day in accord with the requirements of this Agreement and of any applicable funds transfer agreement between you and Bank. Wire instructions and ACH transactions entered after 2:00 p.m. will be processed the following business day.

Overdrafts (Order of Payments, Transfers, and Other Withdrawals). If your account has insufficient funds to perform electronic fund transfers you have requested for a given Business Day, then:

  1. Electronic funds transfers involving currency disbursements will have priority;
  2. Electronic funds transfers initiated through Business Online Banking which would result in an overdraft of your Account may, at our discretion, be canceled; and
  3. In the event the electronic funds transfer initiated through Business Online Banking which would result in an overdraft of your Account are not canceled, overdraft charges may be assessed, pursuant to the terms of the deposit agreement for that Account.

Limits on System Transactions and Security Interest in Accounts

Federal regulations limit the number of certain types of transfers from our Money Market or Savings Accounts. You are limited to six (6) pre-authorized electronic funds transfers and telephone transfers (including Business Online Banking transactions, checks, and point-of-sale transactions) per month. Each fund transfer or payment through Business Online Banking from your Savings or Money Market Account is counted as one of the transfers you are permitted each month from that Account. Demand deposit accounts are not subject to these transfer limitations.

All transfers between Accounts or to third parties are subject to sufficient funds being available to cover the amount of the Request in the affected Account. We may condition processing any Transfer or Request, including any ACH credit entry or debit reversal entry, on availability of sufficient funds to cover the transaction. You agree to pay us in immediately available funds any amounts due to us as a result of our processing any funds transfer request or ACH entry for you. If we allow transfers to be processed against insufficient funds, we are not obligated to continue that practice. We may from time to time impose lower limits on the amount of any funds transfer requests or on any ACH credit or debit entries and their files, or require funding in advance of actual processing. We will communicate these limits to you if they are imposed.

You grant us a security interest in all Accounts or other deposits of yours at the Bank, and in all funds in such Accounts or other deposits, to secure your obligations to us under this Agreement. The security interest will survive termination of this Agreement for up to ninety (90) days following the expiration of any return or chargeback rights regarding any Request or ACH entry processed by us under this Agreement or, if later, until any other claims to such funds have expired.

Disclosure of Account Information and Transfers

You understand that information about your accounts or the transfers you make may be disclosed to others. For example, we may disclose personal information to third parties:

  1. If we have entered into an agreement with another party to provide any of the Services.
  2. If it is necessary for completing transfers or otherwise carrying out your instructions.
  3. If it is necessary to verify the existence and condition of an Account for a third party.
  4. In order to comply with laws, government agency rules or orders, court orders, subpoenas or other legal process or in order to give information to any government agency or official having legal authority to request such information.
  5. If you otherwise give us specific permission.

Periodic Statements

You will get a monthly Account statement. It will not be a separate statement for banking transactions you make using Business Online Banking. Transfers to and from your Accounts using Business Online Banking will appear on the respective periodic statements for your Accounts.

Change in Terms

We may change any term of this Agreement at any time. If the change would result in increased fees for any Business Online Banking service, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice before the effective date of any such change if required by law, unless an immediate change is necessary to maintain the security of an Account or our electronic fund transfer system. If advance notice of the change is not required, and disclosure does not jeopardize the security of the Account or our electronic fund transfer system, we will notify you of the change in terms within thirty (30) days after the change becomes effective. Your continued use of any or all of the Business Online Banking services indicates your acceptance of the change in terms. We reserve the right to waive, reduce or reverse charges or fees in individual situations. You acknowledge and agree that changes to fees applicable to specific Accounts are governed by the applicable deposit agreements and disclosures.

Your Rights to Terminate

You may cancel your Business Online Banking service at any time by providing us with written notice. Your access to Business Online Banking will be suspended within three (3) Business Days of our receipt of your instructions to cancel the service. You will remain responsible for all transactions that occur prior to termination, whether termination by you or us, and for any fees and charges incurred prior to the date of cancellation.

Our Right to Terminate

You agree that we can terminate or limit your access to Business Online Banking for any of the following reasons:

  1. Without prior notice, if you have insufficient funds in any of your Accounts or breach any term of this Agreement. Business Online Banking services may be reinstated, at our sole discretion, once sufficient funds are available to cover any fees, pending transfers, and debits.
  2. Upon reasonable notice (including immediate), for cause (including the foregoing) or without cause, in our sole discretion.

Communication between Bank and You

Unless this Agreement provides otherwise, each of us agrees that electronic means may be used to conduct transactions and that electronic records will satisfy any written notice requirements. You can write to us at Vinton County National Bank, P.O. Box 407, Laurelville, Ohio 43135. We may write to you at the most current address shown on the Bank's records.

We may not immediately receive an e-mail you send. Therefore, you should not rely on e-mail when you need to communicate with us immediately; for example, to report unauthorized transactions of your account. E-mail may not be used to request account information or to conduct transactions with us, such as loan transfers. Requests sent to Bank are not considered to be effective until Bank has had a reasonable opportunity to act on the request.


This Agreement, together with the Enrollment Form, and the ACH Origination Agreement (if applicable), constitutes the entire agreement between you and Bank with respect to the subject matter hereof and there are no understandings or agreements relative hereto which are not fully expressed herein. The terms and conditions of the deposit agreements and disclosures for each of your accounts, as well as your other agreements with Bank (such as for loans or other services), continue to apply except as specifically altered by this Agreement. This Agreement shall be effective when Bank accepts and agrees to it, as evidenced by the signature of a Bank Officer on the Customer Enrollment Form. You represent and warrant that this Agreement, once duly executed and delivered by both parties, will be a valid agreement enforceable against you in accordance with its terms. You agree to cooperate with the Bank in all manners reasonably requested by Bank, including providing Bank with information about you and executing and delivering to Bank any documents reasonably requested by Bank to further the purpose of this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of Ohio. If any provision of this agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (expressed or implied) by either party of any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs, successors, and assigns.

Any of your obligations pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation or expiration of this Agreement.

Account Alerts

Alerts may be requested to an Business Online Banking representative. They will be sent to the e-mail address or sent via text message to the mobile device address you have provided.

You agree to provide us with a valid mobile number and/or e-mail address. You agree that we may send you text messages through your wireless provider. We do not charge for the Service, but you are responsible for all charges and fees associated with text messaging imposed by your wireless service provider.

Alerts are not encrypted, however we will never use your passcodes or account numbers. Depending on which alerts you select, information such as your account balance or transaction information may be included. Anyone with access to your mobile device or e-mail will be able to view this information.

You understand that balances provided may not include recent or pending transactions that have not yet posted to your account and that other restrictions may apply. See your account agreement for more information.

Notify us immediately of any changes to your registered Device. In case of unauthorized access to your Device or Service, you agree to cancel enrollment associated with the Device immediately.

You agree to indemnify, defend, and hold us harmless from any third party claims, liability, damages or costs arising from your use of the Service or from you providing us with a phone number that is not your own.

You agree that we will not be liable for failed, delayed, or misdirected delivery of, any information sent through the Service; any errors in such information; any action you may or may not take in reliance on the information or Service; or any disclosure of account information to third parties resulting from your use of the service. We will not be liable to you for special, indirect or consequential damages.

Your Duty to Notify Bank of Error

If you fail to notify us within sixty (60) days after you receive notice (whether by paper statement or electronic statement) of an unauthorized or erroneous transfer or transaction, you will be precluded from asserting any lack of authorization or any error against us.

Limitation on Liability

As a condition precedent to any liability of ours, you must notify us in writing of any alleged negligence or breach of this Agreement by us as promptly as reasonably possible, but in no event later than five (5) Business Days following the day on which such alleged negligence or breach was, or could reasonably have been discovered by you. Our entire liability and your sole remedy under this Agreement, whether or not the claim is in contract or tort, will not exceed an amount of the fees charged by us to you for your use of the services during the three (3) month period preceding the date of the alleged negligence or breach. Except as set forth herein, we will not be liable or have any responsibility of any kind or any loss or damage thereby incurred by you as a result, directly or indirectly, of any unauthorized person gaining access to or otherwise making use of Business Online Banking. We cannot and do not warrant that the system will operate without errors, or that any or all Business Online Banking services will be available and operational at all times.


You will indemnify, defend and hold us harmless from or against any and all loss, liability, cost, charges, or other expenses (including reasonable attorneys' fees) which we may incur or be subject to, arising out of or related directly or indirectly to any breach by you of your obligations under this Agreement.

The undersigned is an officer, owner, principal, or other authorized individual of the business organization named below (the “Client”). The Client has received Vinton County National Bank's Business Online Banking Service Agreement (the “Agreement”) and agrees to adhere to the Agreement, as amended from time to time, and any applicable System Documentation, set-up forms and other disclosures provided to the Client with regard to the provision of one or more services from Vinton County National Bank (the “Bank”).

How To Contact Us

By Mail:
Vinton County National Bank
P. O. Box 460
McArthur, OH 45651

By E-mail:

By Phone: 800-542-5004 or 740-596-2526

In Person:
112 W. Main St., McArthur, OH 45651
222 E. Main St., Chillicothe, OH 45601
775 Western Avenue, Chillicothe, OH 45601
18627 Main St., Laurelville, OH 43135
427 W. Hunter St., Logan, OH 43138
206 Church St., Richmond Dale, OH 45637
119 W Main St., Bremen, OH 43107
1971 W Fair Ave., Lancaster, OH 43130
521 E Main St., Lancaster, OH 43130
6360 Prentiss School Dr., Canal Winchester, OH 43110
700 Corylus Dr., Pataskala, OH 43062
120 South Court Street, Circleville, Ohio 43113
26 East Main Street, Ashville, Ohio 43103
1 Main Street, Commercial Point, Ohio 43116
2250 Stringtown Road, Grove City, Ohio 43123
471 McCarty Lane, Jackson, OH 45640

VCNB 6/2013