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November 21, 2014

Happy Holidays and Safe Shopping Tips

Posted in Business Banking, Consumer Banking

Tags: none



November is here and the weather is turning colder. And as the saying goes…  ‘It’s beginning to feel a lot like Christmas’. That’s good news for retailers, but it’s also welcome news for criminals. If you haven’t started your holiday shopping yet you probably will soon, along with tens of millions of others in the United States. Also, along with the holiday shopping season comes another reminder of last year’s commencement of a series of security breaches where Target stood out among the crowd. Later there were more breaches at retailers like Kmart, Sears, Home Depot and many others. The tidal wave of breaches had the inevitable result of numbing most people to the effect, unless you were one of the unlucky ones. Many people who were not dazed by all of the fraud decided they would join the ranks of shoppers who would just go back to using cash. Using cash is fine but remember why debit cards are a benefit; they are not only convenient, but they provide protection that cash cannot. Don’t forget that robbers still look for people carrying cash and if you lose the cash, it’s gone for good. If your debit card is lost or stolen, you can replace it.  

There isn’t much you can really do as a consumer to prevent some of the retailer fraud from happening. However, there are many things you can do to avoid becoming a victim of card fraud. Below are a few examples:

· Get your statements online

· Check your card statements, or better yet, check your account online for unfamiliar transactions.

· Retain any receipts you get from a card transaction and reconcile them with your monthly bank account statements or online. If there are carbon copies, ask for them as well. Never throw them out   in the trash, or if you do, shred them.

· Always sign the back of your cards when they arrive in the mail. If you get duplicate cards for your account, sign the back and put them in a safe, secure place.

· Know your limits. Many issuers limit daily purchases and withdrawals for your protection.

· Pick PIN numbers you can easily remember that are not birthday dates, house or phone numbers, or repetitions of a single number.

· Never write your PIN number down on a slip of paper that you keep in your purse or wallet.

· Be sure to get your card back when you use it for purchases. Also be sure you can see your card at all times when it's being used for a transaction.

· If you're shopping online, be sure the website you're visiting is secure (indicated by https://) before you enter your card number.

· Write down all your card numbers and keep them in a safe, locked place with your statements.

· Don't allow anyone else to use your credit or debit card and never co-sign for a card that will be used by another person without your supervision.

· Never give your credit or debit card account number or PINs to anyone you don't know over the computer or the phone.

· Know where your cards are at all times, and never leave your wallet or purse unattended - even for a minute.

· At ATM’s or department stores, shield the keypad when entering your PIN.

· Mark through any blank spaces on debit slips so the total amount cannot be changed.

· Do not use an ATM if it looks suspicious, it could be a skimming device.

· Be wary of those trying to help you, especially when an ATM "eats" your card, they may be trying to steal your card number and PIN.

· Do not give your PIN number to anyone over the phone, often thieves steal the cards and then call the victim for their PIN, sometimes claiming to be law enforcement or the issuing bank.

Most importantly, if you notice your credit or debit card is missing, call the card issuer or VNB immediately to report it lost or stolen. If you act quickly, you can minimize the chance for fraudulent charges.

Many of these precautions are needed to protect the vulnerability that comes with the magnetic stripe cards in use today. As we proceed into next year your cards will begin to be replaced with cards that contain a chip that provides much improved security. At the same time, retailers will begin to replace their card processing terminals with chip-enabled readers. If you are a business owner that is preparing for the upcoming changes with chip-enabled terminals, please call the Treasury Management Division of Virginia National Bank at 434-817-8524 to speak with one of our Bankers. 

~ Leonard Sebesta, Chief Information Officer, VNB

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November 19, 2014

VNB Partners with Ryan Zimmerman’s ziMS Foundation

Posted in Community News, VNB Employees

Tags: none

Twenty of VNB's enthusiastic employees and family members formed 4 teams and participated in the Strike Down MS event held at Kegler's Bowling Lanes on November14th. The evening of bowling, fun and great food was part of VNB's support for the ziMS Foundation in its effort to provide research and treatment for Multiple Sclerosis through the UVA Multiple Sclerosis Program.

Former UVA baseball player and now a Washington Nationals professional, Ryan Zimmerman founded the Foundation that is dedicated to the treatment and ultimate cure of MS by funding comprehensive support and educational programs.  Over the last five years the Foundation has raised more that $500,000.  For more information visit their website at www.zimsfoundation.org.


Click the link to hear Ryan Zimmerman's personal thank you for everyone's support.  http://youtu.be/dWGfYv4mnlw

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November 07, 2014

VNB and UVA Sports Partnerships 2014

Posted in Community News

Tags: none

VNB and UVA Sports Partnerships 2014

For the second consecutive year, Virginia National Bank has partnered with University of Virginia as the exclusive and official banking sponsor for both UVA Basketball and UVA Baseball’s upcoming seasons. As the area's number one community bank, VNB is dedicated to supporting Virginia athletics and their passionate and loyal fans. Join VNB and UVA for all the fun and excitement that the best in college sports has to offer. Go Hoos!

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November 04, 2014

Virginia National Bank Partners with ParadeRest to Celebrate Veterans Day 2014 at The Paramount

Posted in Community News

Tags: none

Please join Virginia National Bank, ParadeRest, and the Charlottesville community in honoring our veterans as we celebrate Veterans Day weekend. Open to the public at no charge, a special event will be held at the Paramount Theater on Sunday, November 16th from 4-6 pm on the downtown mall.  Listen to interviews with those who have served in the military or have been affected by war. We will hear from respected veterans, including a member of the 442nd Regiment Combat Team, and a Hungarian Jewish immigrant who was imprisoned in Hitler's concentration camps and later served in the US Military. ParadeRest Board Chair, Glenn Rust, CEO and President of Virginia National Bank, will kickoff the program by introducing guest speaker US Marine Corps Verteran, Mark Peterson.  In addition, enjoy music from The Country Troubadours. Everyone is welcome! Doors open at 3:30 pm.  The entire community is encouraged to help celebrate and honor our military veterans and their families on this special holiday weekend.    https://vimeo.com/110366092

Composed of veterans, non-veterans, and representatives of the University of Virginia and Charlottesville area community, the ParadeRest Board of Directors has donated its time since 2009 toward providing ways to engage military and their families with the local community. Expressions of gratitude have taken the form of donated tickets to entertainment and sporting events, as well as planning for a variety of community events, including annual commemorations of Memorial Day and Veterans Day at the Paramount Theater in downtown Charlottesville which are open to the public.  In an effort to further expand their mission, the ParadeRest Board also launched a luncheon speaker series last spring. The first luncheon was held in May at Glenmore Country Club with featured speaker, Christopher Kidd, Managing Director of Polaris Partners, Ltd.  Upcoming event speakers will be Ed Meese, U.S Attorney General during the Reagan administration and Chuck Robb, former Governor of Virginia, U.S. Senator, and U.S. Marine.  For more information on all upcoming events, please visit the website at  www.paraderestva.org. 

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