The Good Neighbor Newsletter – April 2026
Winchester North to Open Soon
Capon Valley Bank is preparing to open its newest location in the Winchester area, with plans to welcome customers in late May or early June. As the opening approaches, the Winchester North branch represents an important step in continuing to grow while staying focused on local service and community relationships.
Conveniently located on Route 11 near the Route 37 and I-81 interchange, the new branch is positioned to serve customers throughout Frederick County, VA while continuing the bank’s long-standing connection to Hardy County, WV. The location offers easy access for commuters, local residents, and businesses looking for a convenient, community-focused banking option in the Winchester area.
Inside the branch, preparations are steadily moving forward. Branch Manager Amy Bender and her team are actively preparing for opening day, working through the final stages of setup and organization. Computers are being installed, systems are being tested, and furniture is in place throughout the building. Each step brings the branch closer to being fully operational and ready to serve customers.
Beyond the physical setup, the team is focused on ensuring a smooth transition into the new space. Training, coordination, and planning are all part of the process, helping to create a seamless experience from the first day the doors open. The goal is to provide a welcoming environment where customers can expect the same level of service and familiarity they have come to know from Capon Valley Bank.
Once open, the Winchester North branch will offer a full range of personal and business banking services. Customers will have access to everyday banking options such as checking and savings accounts, along with lending services that support everything from personal needs to business growth. The branch will reflect the bank’s approach of combining local decision-making with modern banking tools, providing both convenience and personal connection.
The addition of this location highlights Capon Valley Bank’s continued investment in the communities it serves. Growth in the Winchester area allows the bank to better meet the needs of customers while maintaining its focus on relationship-based banking and local involvement.
For more details about the branch location and services, visit: https://www.caponvalleybank.com/branch-locations/winchester-north/
A ribbon cutting celebration is being planned, with the official date to be announced soon.
Make the Most of Your Everyday Banking with Rewards Checking
Everyday banking plays a bigger role in your financial life than you might think. From routine purchases to monthly bills, your checking account is at the center of it all. With Capon Valley Bank’s Rewards Checking, those everyday transactions can do more by offering added value simply through regular use.
Rewards Checking is designed for customers who use their debit card and manage their finances actively. Instead of letting those transactions pass by without benefit, this account creates an opportunity to earn rewards as part of your normal banking routine. It’s a practical approach that turns everyday activity into something more meaningful without requiring major changes in how you bank.
By meeting a few monthly activity requirements, customers can qualify for enhanced benefits. These typically include maintaining consistent debit card usage and completing routine account transactions within a statement cycle. When those qualifications are met, account holders can earn rewards points through the uChoose Rewards® program, which can be redeemed for a variety of options including travel, merchandise, and other experiences.
One of the key advantages of Rewards Checking is its simplicity. The account is built around behaviors many customers already practice, such as using a debit card for purchases or managing bills electronically. Rather than adding complexity, it aligns with everyday habits and enhances them.
In addition to earning rewards, customers also benefit from the convenience of modern banking tools. Online and mobile banking make it easy to monitor account activity, review transactions, and stay in control of your finances at any time. Features like mobile deposit and real-time account access help ensure that managing your account remains simple and accessible, whether you’re at home or on the go.
Rewards Checking also reflects Capon Valley Bank’s broader focus on providing solutions that fit real life. As a community bank serving Frederick County, VA and Hardy County, WV, the emphasis remains on delivering services that are both practical and personal. Customers have access to local support and decision-making, combined with tools that meet today’s expectations for convenience and accessibility.
For those who prefer an account that works alongside their day-to-day financial activity, Rewards Checking offers a straightforward way to add value without changing routines. It’s a reminder that even the most routine aspects of banking can provide meaningful benefits over time.
Talk with your local branch to learn more to get started with Rewards Checking and make the most of your everyday banking.
Call us or stop by your nearest branch to get started.
Capon Valley Bank Honored with Greater Good Award for Small Business
Left to right: Craig Foster, Fred Brooks, Michael McDonald, Melba Thornes, Amy Bender, Tanya Rosenberry
Capon Valley Bank is proud to announce that it has been selected as the Small Business winner of the 2026 Greater Good Awards, presented by the Top of Virginia Regional Chamber. This recognition reflects the bank’s ongoing commitment to strengthening the communities it serves across Frederick County, Virginia, and Hardy County, West Virginia.
The Greater Good Awards are a signature annual event hosted by the Chamber, celebrating organizations that make a meaningful and lasting impact on the region’s quality of life and economic vitality. The Small Business category specifically recognizes an organization with fewer than 50 full-time employees that demonstrates outstanding business practices, strong community involvement, and a positive local impact.
For Capon Valley Bank, this honor represents more than a single achievement. It reflects over a century of community-focused banking and a continued belief that success is measured not only by financial performance, but by the relationships built and the lives supported along the way.
Founded in 1918, Capon Valley Bank has always operated with a simple philosophy: local people serving local communities. That philosophy continues today through the bank’s focus on personal service, local decision-making, and active community involvement.
While financial services remain at the core of what the bank provides, its impact extends well beyond the walls of its branches. Capon Valley Bank’s team members are deeply involved in the communities they serve, contributing time, resources, and leadership to local initiatives and organizations.
One of the bank’s most meaningful efforts is its work with local schools. Through its community outreach program, Capon Valley Bank partners with schools across Hardy County, West Virginia, and Frederick County, Virginia to provide financial education to students at the elementary, middle, and high school levels. These programs are designed to equip students with practical knowledge about saving, budgeting, and responsible financial decision-making, helping prepare them for long-term success.
In addition to classroom involvement, the bank actively supports school events, sponsors athletic programs, and participates in activities that strengthen connections between students, families, and the broader community. This hands-on approach reflects the bank’s belief that investing in education is an investment in the future of the region.
Capon Valley Bank is also committed to supporting local organizations and community initiatives throughout the year. From charitable drives and sponsorships to volunteer efforts and local events, the bank consistently looks for ways to give back. Whether it is helping to organize community festivals, supporting local nonprofits, or contributing to initiatives that improve quality of life, the bank’s focus remains on making a meaningful difference close to home.
“Our communities are the foundation of everything we do,” said Michael McDonald, CEO of Capon Valley Bank. “We are honored to be recognized by the Top of Virginia Regional Chamber, and we share this award with the people and communities who have supported us for generations. Being a community bank means showing up, staying involved, and doing our part to make a positive impact.”
The Greater Good Award reinforces Capon Valley Bank’s role as more than just a financial institution. It highlights the importance of local businesses that are invested in the success and well-being of their communities.
As the bank continues to grow, including its expansion into new areas, its mission remains the same: to provide dependable financial services while strengthening the communities it calls home.
Capon Valley Bank extends its appreciation to the Top of Virginia Regional Chamber, Valley Health, and the broader community for this recognition. The bank remains committed to building on this momentum and continuing to serve as a trusted partner for individuals, families, and businesses throughout the region.
Blog: Tax Season Scams Don’t End in April: What to Watch For Next
April 7, 2026
As tax season comes to a close, many people assume the risk of scams fades with it. Unfortunately, that’s not the case. Fraudsters often take advantage of the post-tax season period, continuing to target individuals with increasingly convincing tactics. Staying alert after filing your return is just as important as being cautious before the deadline.
IRS Impersonation Scams
One of the most common tactics involves scammers posing as the IRS. These messages may come through phone calls, emails, or text messages claiming there’s an issue with your return, a missed payment, or even a refund problem. They often create a sense of urgency, pressuring you to act quickly.
It’s important to remember that the IRS does not initiate contact through email, text, or social media to request personal or financial information. Unexpected messages demanding immediate action or payment should be treated with caution.
Refund Fraud and Follow-Up Scams
Another growing concern is refund-related fraud. Scammers may contact individuals claiming there was an error with their refund or that additional information is needed to process it. In some cases, they may attempt to redirect refunds or gather personal details under the guise of “verification.”
Even after your return is filed, your information can still be a target. Be cautious of any communication that asks you to confirm sensitive details such as your Social Security number, bank account information, or login credentials.
Warning Signs to Watch For
- Messages that create urgency or threaten penalties
- Requests for personal or financial information
- Unfamiliar links or attachments
- Payment requests using gift cards, wire transfers, or unusual methods
How to Protect Yourself
- Verify any communication by contacting the source directly through official channels
- Avoid clicking on links or downloading attachments from unknown messages
- Monitor your financial accounts regularly for unusual activity
- Keep your personal information secure and limit what you share online
Stay Alert Year-Round
Tax-related scams don’t follow a calendar. Fraudsters continue their efforts long after filing deadlines pass, adapting their tactics to catch people off guard. Staying informed and cautious is the best way to protect yourself and your financial information throughout the year.
Check Out our other Cents & Sense Blog Postings:
February 25, 2026: Tax Season Basics: What to Prepare Before Filing Your Taxes: Tax season arrives every year, and being prepared can make the process much smoother. Gathering the right documents ahead of time not only reduces stress but also helps prevent delays and errors when filing your return.
January 21, 2026: Saving for Life’s Milestones: Weddings, College, Retirement, and More: Life is full of milestones, and many of the most meaningful moments also come with significant financial costs. From celebrating a wedding to preparing for college or planning for retirement, saving ahead of time can make these events less stressful and more enjoyable.
We hope you enjoy the newly expanded format of the Good Neighbor Newsletter. Our goal is to bring you more helpful information, timely updates, and a closer look at what is happening in your community. It is one more way we stay connected and continue serving you better every day.
