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Business Accounts

Business Services

  • Business Visa Check Card
  • Business Checking
  • Business Online Banking Cash Management Services: We know it’s hard to stay on top of administrative tasks while running a business. That’s why we offer cash management services to save time and money. In order to use these services, however, you first need to enroll in ACH Services.  With ACH services, you can offer your employees direct deposit of their pay checks.
  • Commercial Loans

 

Checking Accounts

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Regular Business Checking

West Union Bank’s Regular Checking accounts are capable of taking care of all your everyday checking needs

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  • Minimum to open $50 (exceptions may apply).
  • Starter checks for your new account.
  • Monthly Statements with Check Images can be received electronically through Internet Banking, Email, or as paper statements via mail.
  • Your balance and received transactions will be available 24 hours a day, 7 days a week through our Internet & Mobile Banking and Fingertip Banking (via phone call) Services.
  • Eligible for combined statements.

To open an account or obtain more information, call (304)873-2361 or visit a West Union Bank office.

Savings Accounts

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Statement Savings Account

West Union Bank Statement Savings Accounts are an easy, convenient way to save money.

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  • Quarterly Statements with Check Images can be received electronically through Internet Banking, Email, or as paper statements via mail.
  • Fees may reduce earnings on the account.
  • Eligible for combined statements.

To open an account or obtain more information, call (304)873-2361 or visit a West Union Bank office.

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Certificates of Deposit (CD)

West Union Bank offers a variety of Certificates of Deposit Accounts (CDs) for your savings needs.

Whether you prefer a short-term CD for a quick return or a more substantial savings for the future, we offer a CD for your lifestyle.

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  • Term Lengths are available from 90 days to 60 months (5 years).
  • Interest for CDs will be compounded every month, with the exception of CDs with terms of less than one year. (Those will pay interest at maturity.)
  • You must deposit $500 to open a West Union Bank CD and to obtain the stated annual percentage yield (APY).
  • You may not make any deposits into your CD before maturity.
  • You may make withdrawals of principal from your CD before maturity only if we agree at the time you request the withdrawal. A penalty may be assessed.
  • Once per term, you can withdraw the interest earned in that term without penalty.
  • The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • West Union Bank CDs automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the 10-day grace period) or if we receive notice from you within the 10-day grace period. If you prevent renewal, interest will not accrue after final maturity.
  • CDs will automatically renew at the same rate being offered for new time deposits that have the same term.
  • Fees may reduce earnings on the account.
  • You can request a CD statement, but it must be combined with a statement from another account type.

To open an account or obtain more information, call (304)873-2361 or visit a West Union Bank office.

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Safe Deposit Boxes & Safekeeping Boxes

  • Costs vary based on the size of the Safe Deposit Box, ranging from $10-$40. Rent for a Safe Deposit Box is due at the time of renting and will come due on the anniversary of the rental date annually. Annual cost does not reflect applicable sales tax.
  • Partial rents are not accepted or refunded.
  • The Federal Deposit Insurance Corporation (FDIC) does not insure the contents of Safe Deposit Boxes. West Union Bank has no knowledge of the contents or value of items in your Safe Deposit Box.
  • Safe Deposit Boxes are not considered deposits or guaranteed by the bank and are subject to risks including the loss of principal.
  • Safekeeping Boxes are offered in our Harrisville branch instead of Safe Deposit Boxes and are different from Safe Deposit Boxes in that there is no second key. West Union Bank will not be in possession of a pass key for the box.

To open an account or obtain more information, call (304)873-2361 or visit a West Union Bank office.

Loans

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Commercial Loans

From Lines of credit to community development loans, West Union Bank is ready to be your financial partner whether you already own a business and need money to improve it or whether you want to start or finance a business.

We know what it takes to succeed. You can get a quick loan decision because all of our decisions are made locally.

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Commercial loans are available for:

  • Lines of credit for any size of business
  • Business start up and expansion
  • Construction
  • Capital improvement
  • Real estate – Investment property and development
  • Equipment
  • Vehicles
  • Community development
  • Fleet financing

To apply for a commercial loan, contact our commercial loan team at (304) 873-2361 or email one of our commercial lenders.

Online Banking

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Business Internet Banking

Take advantage of the convenience of Internet Banking. Start saving time and money today and sign-up now for Internet Banking!

It's easy, secure, and there's no software to install on your computer.

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Internet Banking service

 

  • 24 months of complete transaction detail and history available.
  • Transfer funds between your internal accounts.
  • External Transfers to another Financial Institution.
  • P2P Transfers.
  • Pay recurring, occasional and one-time bills.
  • Send and receive secure electronic messages concerning your accounts.
  • Download account information directly into Quicken, CSV, BAI 2 or PDF.
  • Access convenient user services.
  • Paperless Statements.
  • Make loan payments.
  • Cash Management Services.
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Mobile Banking

Fast, Simple and the Ultimate in convenience!

Use your mobile phone to bank on the go!

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Our free mobile app allows you to:

  • Check your Account Balances.
  • Review your Account History.
  • Transfer Funds between your West Union Bank Accounts.
  • P2P Transfers.
  • External Transfer to another Financial Institution.
  • Pay your bills.
  • Make a Mobile Deposit.

If you are a current online customer, simply download the Mobile App and login with your current User Name and Password.

 

West Union Bank would like to remind you to always:

  • Create a strong passcode.
  • Make sure that you maintain the proper software, operating systems, and versions as recommended by your Mobile Carrier.
  • Pay attention of your location so no one can see your banking information.
  • Never share your bank credentials with anyone.
  • If possible avoid using public Wi-Fi.
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Bill-Pay

Pay your bills using Internet Banking Bill-pay services.

Online bill pay services makes it easier to organize your bills and pay them when they’re due.

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  • Unlimited bill-pays at no cost to you!
  • Overnight Bill Pay:
    We have Next Business Day Check for fee of $19.95.  Second Business Day Check for a fee of $14.95 and Electronic for $4.95.
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Fingertip Banking

With the West Union Bank Fingertip Banking 24 hours you have your account information at your fingertips by dialing 1-877-398-2265.

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You have many options to choice from with our telephone banking :

  • You can get information on your Checking, Savings, CDs and Loans
  • Transfers completed before 6:00 PM (EST) will be conducted on the same business day.  Transfers completed after 6:00 PM (EST) will not occur until the next business day.
  • Click Here for West Union Bank Fingertip Banking Menu
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E-Statements or Internet Banking Statements

  • You may view or print your eStatement/Internet Banking Statement any time you choose.
  • You will receive an email when your eStatement/Internet Banking Statement is ready to view online.
  • Your eStatement/Internet Banking Statement is available immediately – with no delays for mail time.
  • Your eStatement/Internet Banking Statement will not be lost or stolen in the mail.
  • There is no cost for eStatements/Internet Banking Statement.

Business Cards

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Business Credit Card

Choose the card that is right for your business - Standard Card with no annual fee or the Preferred Points Rewards Card.

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Business Card – Standard Card

Extraordinary MasterCard® BusinessCard benefits include:

  • Car Rental Insurance
  • ID Theft Protection
  • Global Service
  • Mobile Receipt Management
  • Easy Savings

Certain restrictions apply. Detailed in the applicable benefits brochure received with new credit card.

 

Features

  • No annual fee.
  • Competitive ongoing APR.1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual and summary billing options.

 

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Car rental insurance coverage and a host of extraordinary Mastercard benefits..

 

Fees

 

Business Card – Preferred Points Rewards Card

Features

  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low annual fee of $49.00 per account.
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Individual billing option only.

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Car rental insurance coverage and a host of extraordinary Mastercard benefits.

Fees

To Apply Now

  • Download the PDF of the application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
  • Supporting documents vary depending on the type of business you have. See chart below.
  • Fax your completed application to the Card Service Center at 877-809-9162.
    Or mail your completed application to:
    Card Service Center
    PO Box 569120
    Dallas, TX 75356-9120

1Please see application for information about current APRs and fees.