VCNB Family Jeopardy

VCNB 101

100

Who founded VCNB?

Daniel Will

200

Name 2 of our "In Person Customer Service Standards".

Acknowledge all customers with a warm verbal & visual greeting 

Open 5 minutes early and close 5 minutes late (dependent on customer traffic)

 At the teller line, do not sit while customers are in the lobby 

Rise to greet customers, shake hands, and introduce yourself 

Give customers our business cards 

Introduce new customers to other appropriate staff 

Offer drinks to customers waiting in the lobby 

Keep work areas clean, neat, and free

300

How many full service branches does VCNB currently have?

16

400

When was Vinton County National Bank founded?

1867

500

Name 2 VCNB Core Values.

Integrity, Leadership, Progress, Community & Relationships

Consumer Loans

100

3 documents required from a customer when applying for a Home Equity loan.

• Tax returns for the past two years
• W2s from all employers for the past two years
• Names and addresses of each employer for the past two years
• Pay stubs for most recent full month
• Residence addresses for the past two years
• Most recent bank statements

200

There is an additional .25% discount on auto loans when....

The LTV is less than 85%

300

Maximum term on an unsecured loan. 

48 months

400

Exceptions on a loan must be approved by:

An LMT Member

500

What is the max LTV on a HELOC for someone with a credit score above 725? _{Revolving HELOC}

Max 80% 2nd Lien- Max 75% 1st Lien

Deposit Accounts 101

100

How do you avoid a fee with VCNB Rewards Checking?

Complete 15 or more debit card transactions per statement cycle (Signature or PIN based) OR Maintain a combined monthly total deposit relationship of ≥ $5,000 must have e-statements to avoid statement fees.

200

What is the minimum age for a VCNB Checking account?

14

300

Name 3 ways to earn points with Rewards Checking.

1,000 pt bonus; one-time upon opening uChoose Rewards® Points
1 pt for every $3 spent; 200 bonus pts for 

21 or more purchases/cycleOnline 

Bill Pay-20 pts per transaction

Zelle® 50 pts per transaction

Direct Deposit10 pts per transaction; 

Automatic VCNB Loan Payment

Anniversary Rewards 500 pts annually for life of account

400

What is the name of the new special account product to be rolled out in May?

Community Champions

500

A fee of ____ is imposed on Classic 

Checking when the deposit relationship balance falls below ____

$10 fee 

Below $4,500

Wildcard

100

How many STAR points are earned for a HELOC or Mortgage referral?

5- $50

200

Brenda Doles has 3 dogs. Name just one of their names.

Boedi, JoJo (Josie) & Jangles

300

With what two-word phrase did the media refer to the five main actors of 80's moving "The Breakfast Club?"

Brat Pack

400

Who was the first American Idol winner?

Kelly Clarkson

500

Which astronomer is name-dropped in "Bohemian Rhapsody?"

Galileo

Business Accounts

100

Name 3 types of business categories.

LLC- Limited Liability Company

Corporation

Partnership

DBA -Sole Proprietorship

Non Profit Associations- Churches, Lodges, non-profit organizations

200

This business account type features 175 free transactions per month & a minimum balance requirement of $500.

Business Rewards Checking

300

Business debit cards can earn a bonus of 200 points for how many purchases per statement cycle....

21 or more

400

How many FREE transactions are allowed with the Business Rewards Checking Plus Account?

400

500

This ancillary product can help protect business accounts from fraudulent activity.

Positive Pay