Business Accounts

• Minimum to open $50 (exceptions may apply).
• Starter checks for your new account.
• 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.

• Unlimited FREE monthly transaction items
• Competitive Interest
• Only $5000.00 Minimum Daily Balance to avoid a low monthly service fee of $6
• Unlimited currency deposited per month FREE.
• Minimum to open $50 (exceptions may apply).
• Starter checks for your new account.
• 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.

• 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.

• 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.

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.

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.
• 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.
• P2P Transfers.
• External Transfer to another Financial Institution.
• 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 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.

• For a complete How-To Manual Click HERE
• 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.

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

• 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.

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

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

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

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

To Apply Now

• Download the PDF of the application.
• Download the Beneficial Owner Certification.
• Type the information and then print the Documents (you cannot save the documents, 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.
• 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.