Personal Accounts

• 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, 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.

• 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 checking that earns a high rate
  • 2.00% APY* on balances up to $7,500
  • 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 checking that pays you back
  • 3.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Earn cash back on up to $300 monthly
  • Earn up to $108 per year, $9 per month
• 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

• 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.

• 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 account to build your savings
  • 0.75% APY* on balances up to $15,000
  • 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

• 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.

• 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.

• 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.

A consumer loan can help you finance items such as:

• NEW OR USED VEHICLES
• BOATS
• ATVs
• MOTORCYCLES
• TRACTORS
• HOME REPAIRS OR IMPROVEMENTS
• TRAVEL and VACATION EXPENSES
• UNSECURED LOANS
• OTHER PURPOSES

LOAN OPTIONS

HOME PURCHASE

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.

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
• For a complete How-To Manual Click HERE

Our free mobile app allows you to:

• Check your Account Balances
• Review your Account History
• Transfer Funds between your West Union Bank Accounts
• External Transfer to another Financial Institution
• P2P Transfers
• Pay your bills
• Make a Mobile Deposit
• For a complete How-To Manual Click HERE

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 to your location so no one can see your banking information.
• Never share your bank credentials with anyone.
• If possible, avoid using public Wi-Fi

• For a complete How-To Manual Click HERE
• Unlimited Bill-Pays with no fees.
• Overnight Bill-Pay:
  We have Next Business Day Check for a fee of $34.95.
  Second Business Day Check for a fee of $29.95

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

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

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.
• 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.
• Car rental insurance coverage and a host of extraordinary MasterCard® benefits.
• Unlike some card offers, the APR¹for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

• Download the PDF 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. 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.