Ask your lender today about the 2012 Welcome Home Program.
Under this program, qualified home buyers may receive up to
$5,000 per household. Funds are available for a limited time so call
or stop by a banking office today.
*Credit restrictions apply.
We offer three different checking accounts and allow you to choose the right fit for your banking needs. With our Free Checking, E-Checking and Classic Checking there is something for everyone. The Classic Checking Account includes these additional benefits:
Use the chart below to compare accounts and find out which account suits your specific checking needs.
| E-Checking | Free | Classic | |
| Unlimited Check Writing | Yes | Yes | Yes |
| Minimum Balance1 | None | None | $4,5001 |
| Interest Paid | No | No | Yes2 |
| Free Checks | No | No | No3 |
| Internet Bill Pay & Banking | Free | Free | Free |
| Debit Card | Free | Free | Free |
| Minimum Deposit to Open | $50 | $50 | $50 |
| Overdraft protection | $12 / yr | $12 / yr | Free |
| Savings Transfer4 | 6 / mo | 6 / mo | 6 / mo |
| E-Statements | Yes | Yes | Yes |
1. Required to avoid a monthly fee. This is a combined balance of all deposit accounts.
2. $250 or greater, higher rates are paid on balances above $2500.
3. Free checks available to customers over the age of 55.
4. Fewer if other than REG D type transfers. The savings transfer service deposits money from your savings to your checking account in increments of $50 in the event of an overdraft.
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE- COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.
The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.
For more information about temporary FDIC insurance coverage of transaction accounts, visit www. fdic.gov.
The Vinton County National Bank is an Equal Housing Lender and Member FDIC.
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