In This Issue
How Can I Get a Check Card?
Mobile Banking!
Volunteer Club 55!
Natural Gas Cars?
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How Can I Get a VSB Check Card?

What Exactly is a Check Card?

A check card provides an alternative payment method to cash when making purchases. The funds are withdrawn directly from your bank account.

How does a Check Card work?

A merchant may ask "debit" or "credit?" If you choose "debit", a "debit" purchase usually requires a Personal Identification Number (PIN). A "credit transaction" will typically require your signature.

Where can I use my Check Card?

Your VSB check card can be used for purchases at millions of locations around the world that accept MasterCard. It also functions as your ATM card that can be used at any Volunteer State Bank ATM or any ATMs honoring Cirrus, SUM, NYCE or MasterCard.

How do I apply for a Check Card?

Once you open an eligible checking account, you may apply to receive a Check Card. If you already have an eligible Volunteer State Bank checking account, you can request a Check Card by speaking to a Volunteer State Bank account representative.


 
Memorial Day weekend:
Remember the fallen, but celebrate life. Though you realize that Monday will be a solemn day of remembrance, the three-day break from work offers two days before Memorial Day when you can rest, organize your thoughts, or put them aside for a time. You can have a picnic or barbecue with family or friends and celebrate life before honoring the fallen. The day is also known as Decoration Day because of the tradition of decorating the graves of service people, a custom that dates back to the time just after the Civil War. Those who gave their lives in Iraq and Afghanistan are fresh in our memories. Though they died far from home, their sacrifice was made to protect their homeland from foreign intruders. Memorial Day honors all who gave their lives in past wars as well. Almost everyone has a family member who fell during the Civil War, World Wars I and II, Korea and in other foreign lands. On this day, we remember them, tell stories about them, pray for them and honor them. Have a good time on Saturday and Sunday, but show some respect on Monday and your weekend will be complete.
May 2012


 
Stay Connected to Your Money - GO MOBILE BANKING!

Did you know that Volunteer State Bank offers Mobile Banking Services? You can use your smart phone or tablet to conduct certain banking functions. It is convenient, secure and easy to use
.

You can:  
* Check your account balances

* View and pay your bills online
 
* Transfer funds between accounts

* Locate branches and ATMs

* Go green - save paper and trips to the bank

Interesting Fact: Did you know that you don't have to have a smart phone to use our Mobile Banking Services?

Ask one of our Account Representatives for more information.




Volunteer Club 55  Account:

Vol State Bank Logo

Get More from Your Checking Account Today! How?

By joining one of our club programs, you'll enjoy valuable benefits and services that enhance your lifestyle while bringing added convenience, savings, protection and security to program members.

Our special members only checking account, like our Club 55 checking Account, designed for our customers 55 years and older, includes valuable benefits and services you can enjoy for a low monthly fee. Just see for yourself the types of benefits and services you can enjoy:

* Minimum opening deposit $100.

* $5.00 monthly service charge if the balance falls below
   $500 during the statement cycle.

* Free personalized Club 55 checks.

* Free check card.

* 3 Free cashier's checks per month.

* 4 Free foreign ATM withdrawals per month.

* eVue statements or image statements.

* Up to .25% bump on CD rates.

* Interest bearing with daily balance of $500 or more.

* Unlimited check writing.

* Discount on safe deposit box.

* $100,000 common carrier Accidental Death Insurance.


Talk to one of our account representatives or go to our web site for more information: www.volstatebank.com.
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High Prices Spark Interest in Natural Gas Cars!

 With the price of gasoline having the potential of reaching $5 a gallon, automakers are testing natural gas vehicles with consumers. GM and Chrysler have announced a new heavy-duty natural gas truck with a duel fuel option for gasoline. Meanwhile, Honda is expanding sales of its natural gas Civic. About 113,000 natural-gas vehicles are on U.S. roads, says NGV America, a trade group for natural-gas vehicles. Worldwide the vehicles are much more popular with 4.2 million on the road in Latin American and 6.8 million in the Asia-Pacific region. A natural gas vehicle has almost zero carbon emissions, a fact pleasing to those who care deeply about the environment. Compared to gasoline, natural gas is also a good deal. For the equivalent on one gallon of gas, customers pay $2 to $2.59 for natural gas. But the reality check comes with three steep hits: price, cost and practicality. Upfront price for a vehicle is higher than gasoline powered cars and trucks.Honda, one of the bigger players in the natural gas vehicle scene, sold 2,000 natural gas Civics in 2011 at a cost of about $4,000 more than the gasoline powered mode. The bi-fuel Chrysler heavy-duty pickup will cost almost $12,000 more. Refilling is more of a problem in the U.S. than in Latin America but in every state power companies offer fueling to the public. Problem is that this might not give you enough fueling stations to actually use the car for travel. Consumers can purchase a natural gas filling station for $6,000. These stations tap into your home's natural gas line, compressing the gas for use in your car. It takes about six hours to fill up but costs only $15. Also, depending on the vehicle, trunk space will be limited, since NGVs usually store fuel canisters in that space.
I encourage all of our readers to check out our Mobile Banking Services. Talk to one of our new account representatives this week.
 
Sincerely,
 


Terry Durham

Marketing Director 

Volunteer State Bank

615-323-1285

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