I. VCNB SMS Privacy Disclosure
Mobile telephone numbers, SMS opt-in information, and text messaging consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes. VCNB may disclose this information to service providers that assist us in delivering and administering text messages, subject to contractual confidentiality, security, and use restrictions. Such service providers may use the information only to provide services to VCNB and may not use it for their own marketing purposes.
II. SMS/Text Messaging Customer Terms and Conditions
These SMS/Text Messaging Terms and Conditions (“SMS Terms”) govern text messages sent by or on behalf of Vinton County National Bank (“VCNB,” “we,” “us,” or “our”) to the mobile telephone number you provide. By enrolling in or consenting to an applicable text messaging program, you agree to these SMS Terms, our Privacy Notice vcnbfamily.bank/Annual-Privacy-Notice, and our Terms and Conditions vcnbfamily.bank/Terms-and-Conditions, as applicable.
1. Text Messaging Programs
Depending on the services you select and the consents you provide, messages may include:
- Account alerts, balance or transaction notifications, and security or fraud alerts;
- Authentication or verification codes;
- Payment, loan, deposit, application, appointment, or service-related reminders and updates;
- Customer service communications;
- Branch, service, or operational notices;
- Enrollment in one text messaging program does not necessarily enroll you in every program. Some alerts may require separate enrollment or preference settings.
2. Consent to Receive Text Messages
When you provide your mobile number and enroll, opt in, or otherwise provide consent, you authorize VCNB and service providers acting on our behalf to send text messages to that number using an automatic telephone dialing system or other automated technology, where applicable. You may withdraw your consent at any time as described below.
You represent that you are the subscriber or customary user of the mobile number provided and that you are authorized to consent to receiving messages at that number.
If your number changes, is reassigned, or is no longer under your control, you must promptly update your contact information and text messaging preferences by calling 800.542.5004 / logging into online banking / contacting a branch.
3. Message Frequency
Messages may be recurring. Frequency varies based on the program, account activity, and customer interactions.
4. Message and Data Rates
Message and data rates may apply according to your wireless service plan. VCNB does not charge a separate fee for sending text messages, but your wireless carrier may charge you. You are responsible for all carrier charges associated with receiving or responding to messages.
5. How to Opt Out
You may revoke consent through any reasonable method, including STOP, telephone, email, or a branch request.
Revocations will be honored promptly and no later than 10 business days; exempt fraud-alert opt-outs must be honored immediately.
We may send one final text confirming that we received and processed your request. After that confirmation, we will not send additional automated messages requiring your consent unless you later provide consent again.
Opting out of text messages does not cancel or otherwise change any account, loan, payment obligation, or other product or service. You are responsible for arranging another way to receive or obtain information that was previously delivered by text.
6. Help and Customer Support
For help, reply HELP to a message or contact us at:
Vinton County National Bank
112 W Main St.
McArthur, OH 45610
800.542.5004
Vinton.Info@VCNBfamily.bank
VCNBfamily.bank
Do not include confidential information—such as your full account number, Social Security number, debit card PIN, online banking password, or one-time security code—in a text message to us.
VCNB will not ask you by text to provide your password, PIN, or complete Social Security number. If a message appears suspicious, do not reply or select any link. Contact us using a trusted phone number or website.
7. Delivery and Carrier Availability
Text messaging may not be available through all wireless carriers or in all locations. Delivery is subject to effective transmission by your carrier and is not guaranteed.
Messages may be delayed, blocked, duplicated, or not delivered because of carrier service, network availability, device settings, changes to your mobile number, or other circumstances beyond our control. Neither VCNB nor participating carriers is liable for delayed or undelivered messages to the extent permitted by law.
Supported carriers may change without notice. Contact your carrier with questions about your text or data plan.
8. Privacy and Security
We collect, use, disclose, and protect information associated with our text messaging programs as described in our Privacy Notice vcnbfamily.bank/Annual-Privacy-Notice and as permitted by applicable law. Mobile opt-in information and consent will not be sold or shared for third-party or affiliate marketing.
We may use service providers to deliver and administer messages on our behalf. Mobile carriers and other network providers may also process message content and related data under their own terms and privacy practices.
Text messages are not always secure and may be viewed by anyone with access to your device or mobile account. You are responsible for securing your device, using appropriate access controls, and promptly notifying us if your device is lost or stolen or your mobile number changes.
9. Eligibility
You must be at least 18 years old or the age of majority in your state and have authority to agree to these SMS Terms.
For an account owned by a minor, a parent, legal guardian, or other legally authorized adult must provide any required consent and manage text messaging preferences.
10. Changes or Termination
We may modify, suspend, or discontinue any text messaging program or revise these SMS Terms at any time, subject to applicable law.
Updated SMS Terms will be posted at VCNBfamily.bank with a revised effective date. If required, we will provide additional notice or obtain renewed consent. Your continued participation after an update takes effect constitutes acceptance of the revised SMS Terms to the extent permitted by law. However, passive continued participation will not expand your consent and new consent will be obtained when legally required.
11. Other Terms
These SMS Terms supplement, and do not replace, any agreements governing your accounts, loans, digital banking services, privacy rights, or use of our website or mobile application.
If these SMS Terms conflict with an account or service agreement regarding that account or service, the applicable account or service agreement controls, except where prohibited by law.
III. VCNB CALL MONITORING POLICY
MONITORING AND RECORDING TELEPHONE CALLS AND ACCOUNT COMMUNICATIONS
Subject to federal and state law, we may monitor or record phone calls for security reasons, to maintain a record, and to ensure that you receive courteous and efficient service. You consent in advance to any such recording.
To provide you with the best possible service in our ongoing business relationship for your account, we may need to contact you about your account from time to time by telephone, text messaging, or email. In contacting you about your account, we may use any telephone numbers or email addresses that you have previously provided to us by virtue of an existing business relationship or that you may subsequently provide to us.
You acknowledge that the number we use to contact you may be assigned to a landline, a paging service, a cellular wireless service, a specialized mobile radio service, other radio common carrier service, or any other service for which you may be charged for the call. You acknowledge that we may contact you by voice, voicemail, or text messaging. You further acknowledge that we may use pre-recorded voice messages, artificial voice messages, or automatic telephone dialing systems.
If necessary, you may change or remove any of the telephone numbers, email addresses, or other methods of contacting you at any time using any reasonable means to notify us.
Vinton County National Bank
Member FDIC