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Vinton County National Bank Review

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Vinton County National Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Founded in 1867, Vinton County National Bank has $923 million in assets as well as $784 million in deposits, making the institution a medium-size bank. Vinton County National Bank, whose headquarters are in Mc Arthur, Ohio, has above-average customer service access with a live chat feature, which is helpful for those that work during typical customer service hours. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. Overall, Vinton County National Bank is a solid pick to be your bank, with a rating of 4.2 out of 5 stars from the SmartAsset team. Vinton County National Bank has a varied selection of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. Vinton County National Bank has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, the bank's standard checking account does not have a monthly fee. Finding a checking account with no monthly fee as well as a savings account with a high APY at the same bank is the best bet for gaining the most income from your deposits while having convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

4.2/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

3.0
SmartAsset Average: 3.5

Vinton County National Bank has a savings rate of 0.10%, which is fair as compared against the national average. Its one-year and five-year term lengths CDs earn at a rate of 0.40% and 1.50%, respectively, while its highest-yielding money market account has an APY of 0.20%. Given Vinton County National Bank's below average savings rate, you should think about other options to earn more on your deposits.

How Vinton County National Bank's Savings Rates Compare

Vinton County National Bank Savings 0.10 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

On average, Vinton County National Bank charges customers extremely low fees compared to the average U.S. bank. Its checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. Vinton County National Bank does not reimburse out-of-network ATM charges, meaning you will need to search for a Vinton County National Bank ATM or pay the cost of withdrawal.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

3.9
SmartAsset Average: 3.7

Vinton County National Bank is a brick-and-mortar bank, with 17 total bank locations in Ohio. It also offers access to mobile and web apps for straightforward access and banking on the go. It does not have all-day customer service with representatives. You can get help during its hours, which are Monday through Friday, 8:00 a.m. to 6:00 p.m. ET; Saturday, and 8:00 a.m. to 12:00 p.m. ET. Additionally, Vinton County National Bank offers a live chat feature, giving customers an easy access point throughout the day. Vinton County National Bank receives moderate reviews from customers for its mobile banking services. The Vinton County National Bank mobile app has an overall rating of 3.5 out of 5 (out of 50 ratings on Apple and Android) compared to the national average of 3.8. Vinton County National Bank's mobile app allows you to control your bank accounts by reviewing monthly statements, sending and receiving money and reaching customer service. Vinton County National Bank receives a superb consumer satisfaction score based on comparatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 3.5/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

4.8
SmartAsset Average: 4.8

Vinton County National Bank ranks as a medium-size bank owning assets totaling $923 million and $784 million in deposits. Vinton County National Bank's Texas Ratio is 4.27%, suggesting a low probability of failure. Additionally, Vinton County National Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

4.27%
High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Vinton County National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $100
Checking Account 0.1% APY $2501
Certificates of Deposit
  • 12 Month: 0.40% APY
  • 24 Month: 0.70% APY
  • 48 Month: 1.50% APY
  • 60 Month: 1.50% APY
$1000 for all terms
Money Market Account 0.15% APY $2500

Vinton County National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Vinton County National Bank does not have the best savings rate, which means you should think about other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Vinton County National Bank's CD rates are fair compared to other U.S. banks.

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Find a Vinton County National Bank Near Me

Vinton County National Bank has 17 locations in the U.S.

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