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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

Vinton County National Bank was founded in 1867 and its headquarters are located in Mc Arthur, Ohio. It manages $923 million in assets along with $784 million in deposits, making it a medium-size bank. Vinton County National Bank has above-average access to customer service with a live chat feature, great for getting help during the work week. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. With a commendable 4.2 out of 5 stars, Vinton County National Bank proves it is a solid pick to be your bank. Vinton County National Bank provides customers with a complete suite of product offerings, which include 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, Vinton County National Bank offers an option without a monthly fee. Obtaining a checking account with no monthly fee, in addition to a savings account with a high interest rate at the same bank is the best bet for accruing 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 CDs feature a rate of 0.40% and 1.50% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at an APY of 0.20%. Given Vinton County National Bank's below average savings rate, you should consider choosing another bank 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

Vinton County National Bank generally has extremely low fees compared to the average U.S. bank. With no monthly fee, Vinton County National Bank's checking account is ideal for people who need a hassle-free checking account. Vinton County National Bank doesn't reimburse out-of-network ATM charges, which means you'll have to find a Vinton County National Bank ATM or eat the fee.

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 an easy mobile-banking experience. It does not have all-day customer service with representatives. You can get help during its customer service 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 gets fair marks from users for its online presence. The Vinton County National Bank mobile app rates a 3.5 out of 5 (with 50 ratings on Apple and Android) compared to the national average of 3.8. You can use Vinton County National Bank's app to control your bank accounts by monitoring monthly statements, transferring money and reaching customer service. Vinton County National Bank gets an exceptional consumer satisfaction rating due to relatively 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 $923 million in assets as well as $784 million in deposits. Vinton County National Bank's Texas Ratio is 4.27%, suggesting that Vinton County National Bank is in excellent financial health and far from 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: 0.75% APY
  • 36 Month: 1.25% APY
  • 48 Month: 1.50% APY
  • 60 Month: 1.50% APY
$1000 for all terms
Money Market Accounts 0.15% APY 0.2% APY $10000 $15000

Vinton County National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Vinton County National Bank does not have the best savings rate, which means you should think about taking a look elsewhere 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 across the U.S.

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