Have a hauntingly fun Halloween with OVB branch events

Trunk or Treat Group

From pumpkins to witches to ghosts and goblins, Halloween has officially arrived. We have the perfect recipe to get you in the festive mood with a variety of fun Halloween activities, hosted by some of our OVB locations.

First up, our Holzer office is set to once again participate in Treat Street, slated for Tuesday, Oct. 23. The event, hosted by Holzer, takes place at the Gallia County Fairgrounds from 6-8:30 p.m. There will be more than 40 decorated stations/booths for children to visit and collect candy. Our OVB team will be showcasing their super powers as they dress as some of our favorite heroes at the event. You won’t want to miss out on this fun-filled family evening.

Our Main Office in Gallipolis will participate in the city’s Trick or Treat from 5:30-6:30 p.m. on Thursday, Oct. 25. Families are encouraged to stop by the office, located at 420 Third Ave., for some candy and fun. Also on Oct. 25, our Wellston MBC office will host a Halloween event from 5-6 p.m. The office, located at 123 South Ohio Ave., will play host to a variety of festive games and face painting. In addition, there will be free popcorn and treat bags.

Make sure to visit our New Holland MBC office, located at 25 North Main St., on Friday, Oct. 26 for a special Autumn Celebration. The event will run all day from 8:30 a.m.-6 p.m. Along with pumpkin decorating, cookies and apple cider will be available.

Bring the kiddos to our Jackson office, located at 740 East Main St. in Jackson, on Wednesday, Oct. 31 for Trunk or Treat. The event, sponsored by OVB and Jackson County Gear Grinders, will feature treats galore as well as snacks and games. Trunk or Treat will take place from 5:30-7 p.m. We hope to see you there.

Locally, Trick or Treat times are as follows:

  • Gallipolis, Ohio – Thursday, Oct. 25, 5:30-6:30 p.m.
  • Rio Grande, Ohio – Thursday, Oct. 25, 5:30-7 p.m.
  • Point Pleasant, W.Va. – Thursday, Oct. 25, 5:30-6:30 p.m.
  • Mason, W.Va. – Thursday, Oct. 25, 6-7 p.m.
  • Pomeroy, Ohio – Thursday, Oct. 25, 6-7 p.m.
  • Jackson, Ohio – Wednesday, Oct. 31, 5:30-7 p.m.
  • Wellston, Ohio – Wednesday, Oct. 31, 5:30-7 p.m.
  • Oak Hill, Ohio – Wednesday, Oct. 31, 5:30-7 p.m.
  • Barboursville, W.Va. – Wednesday, Oct. 31, 6-8 p.m.
  • Mount Sterling, Ohio – Wednesday, Oct. 31, 6-7:30 p.m.

Remember to think Community First as you enjoy all the spooky fun and treats this Halloween. From all of us at OVB, Happy Halloween!

OVB ready for Get Smart About Credit campaign

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Halloween is just around the corner. While ghosts and goblins might scare you, don’t let your credit do the same. To help promote the importance of maintaining good credit, Ohio Valley Bank is once again taking part in the American Bankers Association’s Get Smart About Credit initiative.

Get Smart About Credit is a national campaign comprised of bank volunteers who help youth understand credit and other important financial lessons. Now in its 16th year, this year’s event will again reach children across the country. Get Smart About Credit Day will be held Thursday, Oct. 18, however, OVB is set to celebrate the event throughout the month of October and the fall season.

Credit lessons will be incorporated into OVB’s financial education programs, which include elementary through high school grade levels. OVB will present Adventures in Credit, featuring the Centsables, to area elementary schools. Get Smart About Credit lessons will also be a focus in the OVB BANKit program, which is currently being conducted on a monthly basis at six local schools in Ohio and West Virginia.

The primary purpose of Get Smart About Credit is to prepare students to join the workforce by making sure they have a strong understanding of credit and other money management skills. Get Smart About Credit works to teach students that credit education is more than paying for college, credit cards and loans. The campaign aims to show that a true understanding of credit also encompasses budgeting, credit report comprehension and identity protection. By promoting these important lessons in area schools, OVB hopes to make an impact on our future generations.

Looking for ways to improve your credit or topics to help teach your kids about credit? We’ve got you covered with these helpful tips:

  1. Pay your bills on time. This sounds like a simple concept, right? However, too often people find themselves making late credit card payments. To make sure this doesn’t happen to you, set up alerts on your phone as a reminder to get those bills paid on time. If you are able, pay your bill in full. If not, at least make sure to pay the minimum when due.
  2. Watch for warning signs of credit trouble. If you find yourself using credit for all purchases or always making late payments and/or barely scraping by to afford your minimum amount due, you’re already in trouble. The best thing to do in this situation is pay what you can and avoid making any more purchases with your credit card. If you are feeling overwhelmed ask your bank if they have any suggestions to help you get back on track.
  3. Budget, budget, budget. Setting and sticking with a budget is the first step to financial freedom. By adhering to a spending plan and working to build your savings, you will be less likely to overspend on credit cards, which will also help you save on added fees, such as interest costs.
  4. Think before you spend. Often those who encounter credit issues make the common mistake of purchasing items via credit without truly thinking about what it is they are purchasing. Do not pay for things using credit without understanding how it may affect your budget first. Make sure that you will have the means to make payments on your purchase before you reach for the credit card.
  5. Take advantage of your annual free credit report. It is recommended to have your credit checked annually to review for any possible errors on inaccuracies. By doing this you also help protect yourself against the dangers of identity theft. Check your credit for free annually by going to annualcreditreport.com, the official site set up by law from the three national credit reporting agencies. Be sure to type in the address exactly as is since there are many “lookalike” sites, which can charge you for the report or a subscription fee as well as collect information from you for marketing purposes.
  6. Utilize your bank services. Banks are more than money in a vault. They offer valuable services that students can benefit from, including student checking accounts, debit cards, mobile and online banking, balance alerts, personal loans, direct deposit and more. OVB also offers Benjamin Tracker, a helpful tool to help you stick with your budget and not overspend. In addition, OVB also offers a variety of financial education programs.
  7. Ask questions. Whether you are a student looking for advice or an adult wanting to improve your financial circumstances, ask for help. Your local banker is a great place to start.

For more information on OVB’s financial education programs or to schedule a presentation, e-mail OVB Financial Literacy Leader Hope Roush at hdroush@ovbc.com.