VCNB Mobile Banking
How does the mobile check deposit work in VCNB Mobile Banking?
You can deposit a check anytime by laying it on a dark, non-reflective surface and taking pictures through the app. After you submit, you'll get a confirmation email, and the money is usually available by the next morning. The app works best in good lighting and on a flat, dark background to avoid image rejection.
Can I lock my debit card if I lose it using the VCNB app?
Yes, you can instantly lock your debit card from the app if you misplace your wallet or card. It takes just a minute to lock it, and you can unlock it later once you find it. This gives you immediate peace of mind without needing to call the bank.
Why does my check deposit keep getting rejected, and how can I fix it?
The app's camera can be fussy with shiny or reflective surfaces, so always place your check on a dark, non-reflective surface like a dark kitchen counter. Make sure the lighting is even and the check is flat with no shadows. Once you follow that tip, deposits should go through smoothly every time.
I can't find my savings account balance easily in the app. Where is it?
The app shows your checking balance on the home screen, but your savings account is listed under the 'All Accounts' link. Many users find this buried menu a bit annoying, but once you tap that link, you'll see all your accounts in one place.
How does VCNB Mobile Banking compare to larger banks like Chase or Wells Fargo for mobile deposits?
VCNB doesn't charge extra for mobile deposits, which some big banks still do, and the deposit process is straightforward once you use a dark surface. However, larger banks often have more polished camera interfaces and may not require the same lighting tricks. For basic banking without fees, VCNB is a solid choice if you already have an account.
