Terms & Conditions

Copyright Notice and Disclosures

Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Virginia Community Bank.

Copyright Information

©2012 Virginia Community Bank, All Rights Reserved
©2012 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Virginia Community Bank’s web site does not imply endorsement of that product, service or publication. Virginia Community Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. Virginia Community Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.

Disclosures

Facts, data, & other information presented on Virginia Community Bank’s website pages are provided directly by Virginia Community Bank.

Virginia Community Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of Virginia Community Bank is in accordance with the Consumer Protection Financial Bureau’s Regulation DD (12 CFR 1030) which implements the Truth in Savings Act. Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of Virginia Community Bank is in accordance with the Consumer Protection Financial Bureau’s Regulation Z (12 CFR 1026) which implements the Truth in Lending Act.

Home Equity Line of Credit – Interest Only – The rate is based on the prime rate as published in the Wall Street Journal.  The rate may increase or decrease and cannot exceed 18%. Appraisal or title insurance, if required, may be at borrower’s expense. Property insurance is required. Flood insurance may be required. Normal underwriting guidelines apply.

Construction Loan – Rates and terms subject to change. Normal underwriting guidelines apply. Borrower pays all closing costs. Your interest rate can change.

NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, money-market deposit accounts, and Interest on Lawyers Trust Accounts (“IOLTAs”).