Switching banks is easy – RNB has everything you need to make the move simple. Just follow these steps:

1: Open your new RNB account

Just stop by any branch and we can help you open an account instantly — you can start banking right away.

2: Get organized

Identify all of the bill payments, transfers and deductions to/from your current account, so you have an inventory of the transactions you'll need to switch to RNB. Determine your current balance and how much you will need to keep in your old account to cover outstanding expenses like checks and bill pay transactions.

3: Set up your direct deposits

Inform your employer that you want your paycheck deposited into your new account. You can also set up direct deposit of your Social Security checks into your new account by visiting www.ssa.gov. To download the official government form for Direct Deposit for all other government benefits, go to www.treasury.gov. You’ll also need to arrange deposit of other funds such as investment dividends or alimony.

4: Close your old account

We can help you inform your old bank that you're closing your account – be sure that all outstanding transactions have cleared first.

We offer a variety of checking account packages, each with unique benefits and requirements. Compare them all here. Remember, all of our checking accounts offer free online banking with bill pay, monthly statements and the ability to bank anywhere, anytime—online, at branches, ATMs, by phone.

Yes, RNB Money Market Accounts are a great way to boost your savings because they typically earn a higher interest rate compared to a regular savings account. Transactions are somewhat limited – you can write checks, but subject to certain restrictions.

Once you’ve opened an RNB account, making deposits is easy:

Come into any branch

Use one of our nine ATMs

Transfer funds from an account you have at another financial institution

Mail a check

Set up direct deposit – including paychecks, Social Security checks, dividends and other funds

Yes. Deposits at RNB are insured through FDIC membership. Currently, interest-earning deposit accounts are insured up to $250,000 per depositor. Non-interest earning accounts have an unlimited insurance amount through 12/31/2012. Here’s how it breaks down: A single account is insured up to $250,000; Joint accounts are insured up to $250,000 for each individual on the account, equaling $500,000 in total; If you have a single account and a joint account, you’ll be insured up to $250,000 for the single account and up to $250,000 per depositor on the joint account; IRA deposits are insured up to $250,000 per plan depositor, including all IRA Savings accounts and CDs combined within each Traditional and Roth Plan and is in addition to the $250,000 non-IRA FDIC insurance. Learn more at the FDIC website.

You should call Customer Service immediately at 802-728-9611. You will be asked to fill out affidavits stating that the transactions in question were not your own, which gives RNB permission to work with authorities to track down the source of the transactions and prosecute if necessary. You will likely be given "provisional credit" for the transactions, which means we’ll put the balance of the unauthorized transactions into your account. If the transactions are later found to be yours, you will then be required to return the "provisional credit".

Call the bank as soon as you notice your card is missing. If it is after hours, you should call the "Hot Card" number 800-554-8969 (if out of the U.S. call 1-973-682-2652). You may want to write these numbers down and keep them handy, but separate from your card.

Call 800-325-3678 as soon as you notice your card is missing. You may want to write this number down and keep it handy, but separate from your card.

There is a $375 daily withdrawal limit at ATMs, and a $1,500 daily POS limit for debit card purchases.

Please let any one of our branches know if you will be using your RNB MasterMoney™ debit card or Hometown MasterCard® credit card.

Yes, there are no fees for Online Banking.

Online Banking from RNB can be accessed from computers using the following operating systems and web browsers:

If you generally log-in from one browser or computer, when you log-in using a different computer and/or browser you will receive security challenge questions. This feature is designed to verify your identity and prevent fraudulent use of your account. That’s why it’s imperative that you keep your Access ID and Password secure. If you have questions, please contact Customer Support at the Main Office during regular business hours at 802-728-9611.

*Trademarks are property of their respective copyright holders.

You can use Bill Pay to send them a check, but it is not possible to directly transfer to somebody else’s account.

Most transactions update immediately to your account. Our ATM transactions are updated overnight, so you will see them the next day. Point-of-sale transactions do not show up immediately in your account balances either. Depending on the vendor, they can take a few days before they are posted.

Please call Customer Support at 802-728-9611 and they can help you unlock your account and assist you in getting into your account. Bear in mind, after three unsuccessful attempts to log in to your account the system will lock you out.

Yes, you can export your transaction history to the following programs and formats:

Excel: Comma Separated File (.CSV)*

Intuit Quicken: Quicken Interchange Format (.QIF)*

Intuit QuickBooks: Intuit Interchange Format (.IIF)*

Microsoft Money: Open Financial Exchange (.OFX)*

Instructions can be found in the Online Help section when you are logged into Online Banking.

*Trademarks are property of their respective copyright holders.

This is a security feature that protects your account numbers from unauthorized viewing.

Yes, you can use the Express Transfer option (this can be found on its own button or under the Transfer option) to transfer funds from one of your deposit accounts to your loan account. You can make a regularly scheduled payment and/or an additional principal payment. You can also set up recurring payments through the New Scheduled Transfer option located under Transfers.

A "Principal Only Payment" will reduce the principal balance. This transaction type will not advance the payment schedule. A "Regular Payment" will satisfy the current payment amount due. This transaction type will advance the payment schedule.

Easy. Just go to the RNB homepage at www.rnbvt.com and do the following:
• Internet Explorer 7.0 (or higher): Go to IE Tools, Internet Options, General tab, Home Page section; click the Use Current button; click OK
• Firefox: Go to Firefox Tools, Options, Main icon; click the Use Current page button; click OK
• Safari: Go to Preferences, General; click Set to Current page; close the window

Then simply refresh your browser window, or wait until the next time you open your browser and you’ll be right on the RNB homepage.

When you sign up for online banking, you will be given a randomly generated image and be asked to choose a pass phrase. These features ensure that you are on the Randolph National Bank website.

An HSA is a tax-exempt account established for the purpose of paying medical expenses in conjunction with a high deductible health plan (HDHP) using pre-tax (or tax deductible) dollars. It allows the account holder to save money, tax-free, for future expenses.

Check with your Insurance Provider to be sure you are enrolled in a qualified HDHP.

With respect to any month, an individual who:

• is covered under an HDHP on the first day of such month;
• is not also covered by any other health plan that is not an HDHP (with certain exceptions);
• is not enrolled in Medicare (generally, has not reached age 65);
• may not be claimed as a dependent on another's tax return.

Annual contribution limits have been established by the federal government and are dependent on the federal maximum limit as defined by the IRS each year.

• withdrawals for qualified medical expenses are non-taxable.
• you receive a tax deduction for the contributions you make.
• contributions accumulate tax-free.
• account balances carry over from year to year.
• HSAs are portable as you change jobs and locations.
• at age 65, funds can be withdrawn without penalty and used for non-medical purposes, taxable as ordinary income.

Qualified medical expenses are defined by the IRS. They generally include deductibles, co-payments, prescription medications and other medical supplies. A detailed explanation can be found at www.irs.gov. It is your responsibility to determine which expenses are qualified and to retain statements and receipts to support withdrawals and payments.

Yes, this is a personal transaction account in your name. If you do not have sufficient funds in your HSA to pay the expense, you will need to pay for the expense by other means. Once the funds are in your HSA, however, you can reimburse yourself for what you personally paid.

The Federal Regulations surrounding HSA accounts state that HSA funds used for medical expenses are allowed distributions. The ATM surcharges would not be included as an allowable medical expense, and therefore would be charged a 10% penalty. Until such time as this regulation is changed or we are able to have the HSA card recognized as being different from our other debit cards at ATMs, we felt it was important to protect our customers from these penalty charges.

NO. Your HSA account belongs to you! This also means that you are responsible for maintaining records to document that the HSA is being used for qualified medical expenses in order to maintain the tax exempt status of the account.

The federal regulation that established these tax-exempt accounts declares that they must be individually owned. You may give your spouse or another individual "power of attorney" to make purchases for you, and we can issue them a Debit Card in their name as POA.

We've made this easy! The HSA debit card looks nothing like the regular RNB debit card or ATM card, and it has "Health Savings Account" written on it.

You should talk to your local Health Insurance representative. They will have details about various insurance plans that qualify for HDHP status according to the IRS guidelines. Make sure that you tell them you would like to have an HSA with Randolph National Bank!