Monthly Statements with Check Images can be received electronically through Internet Banking, 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.
Prime Interest Checking (PIC) Accounts
West Union Bank’s premium money market account is the Prime Interest Checking (PIC) Account, a tiered account that pays more interest for higher minimum balances.
Interest will be compounded and credited to your account every month.
$1,000 minimum deposit is required to open a Prime Interest Checking Account.
You can write six checks from the account without penalty per month, meaning you can access your interest-bearing funds without making a trip to the bank.
A service charge fee of $5 per transaction will be charged for each withdrawal in excess of the above listed six, during a statement cycle. If the limit restriction is violated more than twice, the account must be closed and reopened as a regular Checking Account.
You must maintain a minimum balance of $1,000 to obtain the stated annual percentage yield.
If you close your account before interest is credited, you will not receive the accrued interest for that statement period.
Fees may reduce earnings on the account.
Statements with Check Images can be received electronically through Internet Banking, Email, or as paper statements via mail.
Eligible for combined statements.
To open an account or obtain more information, call (304)873-2361 or visit a West Union Bank office.
FREE KASASA CASH® CHECKING
Be rewarded with a free account that pays a higher Interest Rate on your balance, and more, when you meet qualifications.
2.00% to 0.15% APY on balances over $7,500 depending on balance in account*
.05% APY* if qualifications aren’t met
Refunds on ATM withdrawal fees, nationwide (up to $25 monthly, max $4.99 each)*
Link to free Kasasa Saver® to build savings automatically
No minimum balance to earn rewards
No monthly maintenance fees
$50.00 minimum deposit to open
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
At least 12 debit card purchases
Be enrolled in and log into online banking
Be enrolled in and agree to receive electronic statements
APY = Annual Percentage Yield
Click Here to see FREE KASASA CASH® CHECKING Disclosure
Click Here to see FREE KASASA CASH® SAVINGS Disclosure
FREE KASASA CASH BACK® CHECKING
Choose an account that rewards you with cash back refunds on your debit card purchases, and more.
Refunds on ATM withdrawal fees, nationwide (up to $25 monthly, max $4.99 each)*
Eligible to open a free, dividend earning Kasasa Saver® account
No minimum balance to earn rewards
No monthly maintenance fees
$50 minimum deposit to open
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
At least 12 debit card purchases
Be enrolled in and log into online banking
Be enrolled in and agree to receive electronic statements
To open an account or obtain more information, call or visit a West Union Bank office.
Click Here to see FREE KASASA CASH BACK® CHECKING Disclosure
Click Here to see FREE KASASA CASH BACK® SAVINGS Disclosure
50+ Interest Checking
West Union Bank’s 50+ Interest Checking accounts are capable of taking care of all your everyday checking needs.
A Perfect Account for customers 50 years of age or older
No Minimum Balance
No Monthly Service Charge
Competitive Interest
FREE box of standard checks every year.
Minimum to open $50 (exceptions may apply).
Monthly Statements with Check Images can be received electronically through Online Banking, or as paper statements via mail.
Your balance and received transactions will be available 24 hours a day, 7 days a week through our Online 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
Statement Savings Account
The West Union Bank Statement Savings Accounts are an easy, convenient way to save your money.
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.
FREE KASASA SAVER® ACCOUNT
Exclusively available to those with a Kasasa Cash® or Kasasa Cash Back® checking account, this free Demand Deposit Account earns dividends to help you grow your balance.
0.75% to 0.15% APY on balances over $15,000 depending on balance in account*
0.05% APY* if qualifications are not met
Automatic transfers of Kasasa Cash earnings (dividends and ATM refunds)
No monthly maintenance fees
No minimum balance to earn rewards
Free digital banking (online and mobile banking)
Free electronic statements
$50 minimum deposit to open
How to Qualify
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
At least 12 debit card purchases
Be enrolled in and log into online banking
Be enrolled in and agree to receive electronic statements
APY = Annual Percentage Yield
To open an account or obtain more information, call or visit a West Union Bank office.
Click Here to see FREE KASASA CASH® SAVINGS Disclosure
Click Here to see FREE KASASA CASH BACK® SAVINGS Disclosure
Christmas Club Account
Plan Ahead for Christmas expenses by saving year-round with a West Union Bank Christmas Club Account available to all bank customers.
Plan early for Christmas, and earn more for doing it!
Accounts are available for as little as $50 and as much as $2,500. Payments are calculated from the total amount you wish to save.
A deposit must be made to your Christmas Club account to earn interest.
You will receive your Christmas Club check in October, allowing you plenty of time for Christmas shopping. New Christmas Clubs begin shortly after club payments are distributed in October.
To open an account or obtain more information, call (304)873-2361 or visit a West Union Bank office.
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.
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.
Individual Retirement Accounts (IRA)
Start Planning soon for your retirement, with a West Union Bank Individual Retirement Account.
We offer three types of IRAs, including: Variable IRAs, Fixed IRAs, and Fixed Coverdell IRAs.
For Variable IRAs, Term Lengths are available from 30 to 48 months. For Fixed IRAs, the Term Lengths are 24 to 60 months. The Fixed Coverdell IRA is only available with a 60 month term.
In the case of Variable IRAs, the interest rates may change after the account is opened.
A minimum opening balance of $100 applies to all IRAs.
IRAs will automatically renew at the end of the term.
Penalties for early withdrawal may apply.
Eligible for combined statements (IRA statements are sent out at the end of the year).
To open an account or obtain more information, call (304)873-2361 or visit a West Union Bank office.
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
Installment Loans
Need Money for unexpected expenses or the things that make life more fun? West Union Bank can help you with an installment loan.
We offer loans to support all of your personal needs with payment plans that fit your budget.
We will help you find the right mortgage, the right down-payment, the right rate and the right term. Let our knowledgeable bankers help you select one of our many options:
Adjustable Rate Mortgages are available with initial periods of one, three and five years at very competitive rates. These loans are serviced by West Union Bank.
Fixed Rate Mortgages are available with Conventional loans.
HOME EQUITY LINE OF CREDIT
Your home is a safe haven from the outside world. It’s where you invest a lot of time and money. It’s also where you can find cash for the projects you never seem to be able to afford.
It’s the smartest way to finance important things like:
Vehicles
Home Improvements
Vacations
It’s a great way to pay off:
High-rate credit cards
Knowledgeable West Union bankers will work with you to determine how to use the Home Equity Line of Credit to meet your financial needs.
HOME REFINANCE
Whether you want to obtain a better rate, change the terms of your mortgage or simply cash out, West Union Bank is here to help.
Online Banking
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.
You have many options to choose from with phone 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
Personal Card –World / Preferred Points Rewards Card
Features
Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
Low introductory rate for first six months. 1
Competitive ongoing APR. 1
No annual fee.
25-day interest-free grace period on all purchases. No grace period on cash advances.
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.
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. Paper applications are also available at our local branch office.
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
1 Please see application for information about current APRs and fees.
Open an Account Today
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