Questions & Answers

  • General Questions

  • Where are WesBanco Bank Offices and ATMs located?

    WesBanco Bank, Inc., operates 173 banking offices in the states of West Virginia, Ohio, Pennsylvania, Indiana and Kentucky.

    Click here to find a location near you: Locator Search

    You may also use your WesBanco ATM/Debit card in more than 55,000 ATMs worldwide -surcharge free! STARsf/Allpoint ATMs are also found in local, regional and national retail merchants across all 50 states, as well as globally.

    To find a STARsf/Allpoint Surcharge-Free ATM go to: http://www.AllpointNetwork.com or http://www.STAR.com

  • Do you have banking centers open on weekends?

    Yes, most of our banking centers are open on Saturday and we have a few open on Sunday. Refer to our branch locator for office hours.

    Click here to find a location near you: https://www.wesbanco.com/locator

  • What is WesBanco’s Routing & Transit Number (ABA#)?

    Our routing and transit number (R/T), sometimes referred to as ABA #, is 043400036.

  • How do I change my address or update other contact information?

    You may change your address or update your contact information:

    • Through the User Services tab in Online Banking
    • By visiting your banking center
    • You may also provide a signed letter authorizing us to change your address and contact information.

  • How do I perform a wire transfer?

    We will only perform wire transfers for customers of WesBanco. Consumer customers need to visit a banking center, provide the instructions and sign the Wire Transfer Request Form.

    For instructions on receiving a wire transfer, you will need to provide the sending bank our Routing & Transit Number, bank address, your full account number, the names on the account (as it appears on your statement) and the address on the account.

    Please keep in mind incoming or outgoing wire fees apply for all transfers.

    Business customers can perform wire transfers online. See Business Deposit Accounts and Treasury Management Services section for more details.

  • May I buy or sell savings bonds at a WesBanco banking center?

    In January 2012, the U.S. Department of the Treasury introduced Treasury Direct and mandated all savings bonds be purchased directly from the U.S. Treasury.

    The Bank does, however, still redeem savings bonds that are eligible for payment for a customer with proper identification. For additional questions about redeeming savings bonds, please contact your Banking Center.

  • What type of identification is acceptable for cashing checks at the teller line?

    An unexpired driver’s license and/or U.S. passport are the most acceptable forms of identification. If you don’t have one of these two forms of identification, visit one of our banking centers for assistance and guidance on whether another form of identification you have may be acceptable.

  • What is phishing?

    Phishing is a type of identity theft that uses email and fraudulent websites that are designed to steal your personal information; such as credit card numbers, passwords, account data or other information.

  • How do I know a call from a WesBanco representative is legitimate?

    When we contact you, we will always provide our full name and the department or location in which we work.

    Any time you receive a call from us and you are not comfortable with the individual or the information that is being requested, please do not offer any information, end the call and contact your local banking center.

    In the event you are calling us or we are returning a call you made to us, our employees will be required to ask you questions to verify your identity. This may include the last four digits of your social security number, your account number, etc. We will, however, never ask you for a User ID and/or password.

  • What should I do if I become a victim of identity theft?

    If you learn you are a victim of identity theft, contact us at 800-905-9043 immediately. We will place the appropriate alerts and holds on your accounts.

    In addition to notifying your local police, you may also want to visit the Federal Trade Commission’s Identity Theft.gov to report and recover from identity theft.

  • What are some tips I can follow to protect my information?

    To avoid being a victim, here are a few tips:

    • Do not reveal personal or financial information in an email and do not respond to email solicitations for this information.
    • Do not send sensitive information over the Internet before checking a website’s security.
    • Pay attention to the URL of a website. Malicious websites may look identical to a legitimate site, but the URL may use a variation in spelling or a different domain; i.e., .com versus .net.
    • Do not give out personal information, over the telephone. WesBanco employees will never contact you (via telephone or email) and ask you to provide sensitive personal information such as tax identification number, account number, user ID/password, etc.

  • I have a transaction on my account that I did not do, how do I get this corrected?

    Call us at 1-800-905-9043 to report the unauthorized transactions. To finalize a transaction dispute we may require that you visit you local Banking Center to complete a cardholder dispute document.

  • What can I do to prevent my card from being skimmed?

    Always be aware of where you are using your card and hide your PIN. Look for loose pieces around the card reader of an ATM or point of sale terminal.

  • I am planning a trip, what should I do to make sure my card works?

    Give us a call at 1-800-905-9043 and let us know when and where you will be traveling so that we can ensure that your card will work.

  • Why did I receive a call from the WesBanco Transaction Review Department?

    WesBanco monitors debit card activity and may contact you when transaction trends on your account reach a point to where possible fraud is detected.

  • What if I notice suspicious activity or a fraudulent transaction on my account?

    If you notice suspicious activity on your account, contact the Bank immediately! We will place the appropriate holds and alerts on your account. An Affidavit of Forgery or Altercation form may need to be completed, along with the closure of your existing account and re-opening of a new account.

  • If I incur a forgery or unauthorized use on my account, am I responsible for the loss?

    Notify us immediately of any problem, such as forgery, unauthorized endorsement or debit, alteration or encoding error which results in a wrong amount being either credited or debited from your account that you find or reasonably should have found.

    If you do not notify us within 30 days after we sent or made available the earliest statement that gave an indication of the problem you will be responsible for any loss that your notifying us could have prevented unless you can establish that we failed to exercise ordinary care and that failure substantially contributed to the loss or that we did not act in good faith.

    Notwithstanding the above, if you fail to report any problem with your statement including a forgery, unauthorized endorsement, debit, alteration or encoding error within 365 days of when we send your statement or make it available to you the loss will be entirely yours and you cannot assert a claim against the bank regardless of whether we exercised ordinary reasonable care with respect to the item paid.

  • How do I get more detailed information about WesBanco?

    Please visit our Investor Relations page for information regarding our:

    • Financial Performance
    • Shareholder Information

    Click here to access our Investor Relations information:
    http://investor.wesbanco.com/

  • How do I get in touch with someone at WesBanco?

    For all customer service needs, including a lost or stolen debit card, please contact us at 800-905-9043.

    Click here to find a location near you: https://www.wesbanco.com/locator

    WesBanco, Inc.
    1 Bank Plaza
    Wheeling, WV 26003
    304-234-9000 or 800-905-9043

    Visit us at www.wesbanco.com Visit us at Facebook, Twitter and LinkedIn.

  • Can you tell me a little bit about WesBanco?

    WesBanco, Inc. is a multi-state, bank holding company headquartered in Wheeling, West Virginia. Over the past decades, we have built a national reputation as a safe, sound and profitable bank holding company that always strives to do better by its customers. We’ve always maintained our community bank orientation – because we’ve never forgotten whose money we’re holding.

    We merge technology with people to support our commitment to personal customer service. That’s why WesBanco is, by all accounts, the smarter, faster and better bank for you. WesBanco's banking subsidiary WesBanco Bank, Inc. operates 173 banking offices in the states of West Virginia, Ohio, Pennsylvania, Indiana and Kentucky. In addition, WesBanco operates an insurance agency, WesBanco Insurance Services, Inc., and a full service broker/dealer, WesBanco Securities, Inc.

    WesBanco, Inc.
    1 Bank Plaza
    Wheeling, WV 26003
    304-234-9000 or 800-905-9043

  • What is the history of WesBanco?

    From the moment we took our very first deposit, right up to today, our story has been a story of our customers – and of the region. We’ve grown as you’ve grown. And our success has been built on your success.

    Today our bank operates under the same basic charter that was issued on January 20, 1870 to “The German Bank” which officially began operations on April 3, 1870. Seventeen years later, on February 3, 1887, the Dollar Savings Bank was organized in Wheeling. The two banks would eventually merge and the combined bank’s leaders were incredibly active in building a better, stronger region. It was the first of many acquisitions and mergers that would allow us to grow with the needs of our customers.

    Through the years, we’ve been there as the people of this area fought through the rise and fall of industrial cycles, natural disasters, crop disasters and personal tragedies. And we’ve been inspired by the resilience and optimism of the people we serve. The spirit of our customers drove us to be a better bank then – and it drives us to this day.

    For key dates click here.

  • Checking, Savings & CDs

  • How do I open a deposit account with WesBanco?

    Visit any WesBanco Banking Center and make sure you have appropriate identification. The account opening process is simple.

    For additional information on the deposit products we offer, refer to the Bank link on our website’s homepage.

  • How do I change my name or add/remove a name on my account?

    In the event your name changes, you will need to visit your banking center. You will be required to provide proper identification showing your new name, along with an updated social security card.

    Depending on the reason why the person’s name is being removed from the account, will determine the process. In some instances, we will require you to close the account and in some instances the person may be removed with the appropriate bank forms.

    Please contact your banking center to discuss what is required for your particular situation.

  • How do I change the type of account I have?

    You may be able to change the type of account you have by simply making a phone call to your Banking Center.

    In the event the change cannot be made by telephone, you will be instructed on what actions need to be taken.

  • How do I close an account?

    You may visit any banking center or mail a signed letter authorizing us to close the account. Please keep in mind that an account closed within 90 days of account opening, will be assessed an account closing fee.

  • What is the cut-off time for a transaction to be posted on the same day’s business?

    Transactions presented at the teller line or drive through window will post on the same day business it is presented. Weekend deposits will post on next business day.

    Deposits through a WesBanco ATM must be made by 3 pm to post to current day business.

    Mobile deposits must be presented by 6 pm to post to current day business.

    The cut-off time for an Online Banking transfer is 8 pm.

  • May I transfer funds over the telephone?

    Transfers can be done as follows:
    • In person at your banking center
    • On-line at Wesbanco.com
    • Through WesBancoLine, our automated telephone banking system
    • By calling 800-905-9043 and talking with a customer service representative

    Please note that telephone transfers conducted with a customer service representative are subject to a transfer fee.

  • How do I determine my current account balance and/or transaction activity?

    Your current balance is the balance on your account at the end of previous business day’s processing.

    The available balance represents your current balance plus/minus any current day activity; i.e., ATM transactions, transfers, deposits, etc.

    You may obtain your balance and transaction activity:
    • In person at your banking center
    • Easily through Online Banking or Mobile Banking 24/7
    • By calling WesBancoLine, our automated telephone banking system
    • By calling 800-905-9043 and talking with a customer service representative

  • Are my deposit accounts insured?

    Yes. WesBanco is an FDIC-insured bank. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

    The FDIC provides separate coverage for deposits held in different account ownership categories. To determine if you qualify for coverage over $250,000, visit www.fdic.gov or contact your banking center.

  • What if my deposits exceed the FDIC coverage amounts?

    WesBanco offers Certificate of Deposit Account Registry Service (CDARs) to those large balance customers who exceed the FDIC coverage limits and wish to have all deposited funds insured.

  • When my CD matures, how long do I have to renew or close the CD?

    You have ten (10) calendar days from date of maturity to redeem your CD or make changes to the term and/or amount.

    If you do not redeem the CD or do nothing, your CD will automatically renew for the same term at the interest rate in effect on the date of maturity.

  • How do I renew my CD?

    If you don’t want to make any changes to the term or amount invested, you don’t have to do a thing. The CD will automatically renew for the same term at the interest rate in effect on the maturity date.

  • What happens if I need to redeem my CD before the maturity date?

    You will be subject to early withdrawal penalties based upon the term of your CD. We do waive early withdrawal penalties due to death or disability.

  • What is Overdraft Honor?

    Overdraft Honor is a discretionary program, and not a right or obligation guaranteed to you, where we may approve your reasonable overdrafts including any applicable fees, up to $500, when your account is in good standing.

  • What is overdraft protection?

    If you have a savings account, a second checking account or a personal line of credit with WesBanco, we will move funds from the account you select to your checking account to prevent an overdraft condition. Unlike Overdraft Honor, with overdraft protection you are using your own funds and, as long as you have available funds in the account in which you are transferring from, you will not incur an overdraft fee.

    There will be a minimal transfer fee when transferring from a savings or checking. If a personal line of credit is used, you will be subject to paying interest on the transferred amount.

  • How do I know if I am enrolled in Overdraft Honor or overdraft protection?

    WesBanco notifies customers when they become eligible and enrolled in Overdraft Honor. Customers who don’t want to be included in the program, may un-enroll (or opt out) at any time.

    When enrolling in Overdraft Protection, you are required to sign an Automatic Transfer Authorization form.

    To find out if you are enrolled in either service, call 800-905-9043 or visit a Banking Center.

  • How do I know if I have insufficient funds in my account?

    Your available balance can be obtained through Online Banking, Mobile Banking, WesBancoLine automated telephone banking system, by visiting one of our banking centers or calling us at 800-905-9043.

  • Can I be notified by email or text if my account balance falls below zero?

    Yes, through Notify Me Alerts in Online Banking, you may elect to receive email and text notifications of important account and security-related activities.

    In addition to an “Account Overdrawn” alert, you may elect alerts to notify you when your balance goes below a specific amount; a withdrawal of a specific amount is posted to your account, plus a few others types of alerts.

  • What is WesBanco’s Routing & Transit Number (ABA#)?

    WesBanco’s Routing & Transit Number, sometimes referred to as ABA #, is 043400036.

    This number appears in the MICR line on the bottom of WesBanco checking account checks.

  • Where can I find my account number?

    If you have a checking account, your account number is on the bottom of your checks. Online Banking customers may view their full account number through the Account Services link under the User Services tab.

    Additionally, your account number is provided on your new account opening documents.

  • How do I order checks?

    There are many styles and designs of checks available. For this reason, we recommend you place your first order at the banking center with one of our employees.

    Re-orders may be placed at the banking center, directly through Harland Check Printers, through Online Banking or by calling 800-905-9043.

  • Do I have to place my check order through WesBanco?

    No. You may purchase checks from a non-bank vendor. However, if your checks’ magnetic ink character recognition (MICR) line at the bottom of the check doesn’t meet bank specifications, the checks will have to be replaced at your cost.

  • How do I stop a payment on a check?

    Stop payments can be placed on items that have not yet posted to your account through Online Banking, by calling a customer service representative, or by visiting any banking center. A stop payment fee will be imposed. Note: a stop payment may not be placed on a debit card transaction.

  • How do I enroll in eStatements?

    To enroll in eStatements, go to the User Services tab in Online Banking.

  • How do I get a copy of a cancelled check?

    On-line banking customers are able pull a copy of a check that has posted to the account. You may also contact your local banking center or Customer Support at 800-905-9043. A check copy fee may be imposed.

  • What does the “AC” represent in the description field on my account statement for checks I have written?

    “AC” is the abbreviation for “Automated Clearing House,” which is an electronic network used to send electronic fund transfers between financial institutions. The ACH network was developed to improve the nation’s payment system as a more efficient alternative to the Paper Check system.

  • What do I do if my checks or checkbook is lost or stolen?

    Notify the bank immediately if your checks/checkbook is lost/stolen. You may visit a banking center or call us at 1-800-905-9043.

  • Loans

  • Where do I mail my loan payment?

    Please send your loan payments (including payment coupon or statement stub and/or account number) to the address below to receive prompt crediting of the payment.

    WesBanco Bank, Inc.
    Attn: Customer Support
    1 Bank Plaza
    Wheeling, WV 26003

    Loan Payments received at this address on any Monday through Friday (excluding bank holidays) will be posted on the day of receipt.

  • How do I change my address on my loan account?

    You can complete the address change form in your coupon book with signature, visit your Local Banking Center, or submit a written request with signature to update your address.

    Address change requests can be mailed to:

    WesBanco Bank, Inc.
    Attn: Loan Operations
    1 Bank Plaza
    Wheeling, WV 26003

  • What is the fax number for loan payoff requests?

    Our fax number is 304-234-9241. Please remember to include the signed authorization, if applicable.

  • How can I set up my loan for automatic payments?

    You can visit your Local Banking Center to complete an auto transfer form or set up your own transfer request via online banking.

  • I have automatic transfer set up for my loan payment. Why wasn’t my payment made on my scheduled transfer date or due date?

    The transfer will not initiate payments on a weekend or legal holiday. If adequate funds are not available in your deposit account, the payment will not be made. If you have overdraft protection on the account from which funds were supposed to be withdrawn, and adequate funds were not available, the payment will not be made. If funds were not available at the time the transfer was to occur, you are responsible for making other payment arrangements. (Please keep in mind the information listed above is for accounts from a WesBanco deposit account to a WesBanco Loan.)

    **For a transaction coming from another financial institution, please make sure funds are available. You may need to check your financial institution policies for fees if funds aren’t available.**

  • Can I make a payment over the phone?

    We, currently, only accept payments from a WesBanco Deposit Account over the phone. You can contact your Local Banking Center or Loan Operations Customer Service at 1-800-905-9043 extension 11350.

  • Did you receive my payment?

    A quick and easy way to determine if WesBanco has received your payment is to look at your account online or you can call Loan Operations Customer Service at 1-800-905-9043 extension 11350.

  • What is the payoff on my loan?

    This information cannot be found online. Please call your Local Banking Center or Loan Operations Customer Service at 1-800-905-9043 extension 11350.

  • How can I make a principal payment to my loan online?

    When online, you click on Transfers, Scheduled Loan Payment and then the "I want to" drop down (located in the upper right of the transfer box). Once you enter the information on the screen, you can go to View Transaction History.

  • Why didn’t you receive my online payment sooner?

    Please call Loan Operations Customer Service at 1-800-905-9043 extension 11350. We would be glad to check your payment to see if we can assist with changing the processing to post sooner.

  • Why did my payment increase or decrease?

    If your account is a variable rate, then your rate could change from time to time based upon your rate change. Also, if you have escrow on your account your taxes, homeowners, or flood, could increase or decrease annually.

  • If I pay my escrow shortage will my payment stay the same?

    No, your payment will not stay the same. The escrow portion will need to increase to cover the increases in the escrow disbursements.

  • If I pay off my loan will I get a refund of escrow in the form of a check?

    The escrow balance will be deducted from the principal balance of the loan, so there won’t be a refund.

  • What if I move to another state and need my title to get new license plates?

    Please have the DMV or BMV fax a request for the title to 304-231-1399.

  • What if I want to remove a name from my title, add a name to the title or change my last name?

    Please have the DMV or BMV fax a request for the title to 304-231-1399. Requests for changes to be made to the title can only be made by individuals who are owners of the vehicle, or are acting in a legal capacity for the owner(s).

    Note: Your loan must be current before any title is sent out of the bank.

    Only those individuals who are responsible for repayment of the loan are permitted to have their names included on the title.

    If more than one name is on the title, and the person being removed is responsible for repayment of the loan, then he/she must sign an acknowledgement that their name is being removed from the title.

    If a party needs to be removed, or a name changed due to a divorce decree, a copy of the court decree is required.

    If the name is being changed due to marriage, a copy of the new social security card is required.

    For assistance with requests to remove the name of a deceased party from the title, contact us at 1-800-905-9043, ext. 11249.

  • When will I receive my title?

    Titles are mailed to the person listed as the owner on the title or to the dealership/financial institution that paid off the loan, eight business days after the loan is paid in full.

  • I ordered a duplicate title and found out that there is still a lien on my title, what do I need to do?

    Call 1-800-905-9043 extension 11249; please have Vehicle Identification Number (VIN), Year, Make, Model, and approximate date of payoff.

  • I paid my loan off years ago but didn’t get my title?

    Please call us at 1-800-905-9043 extension 11249. Please have your Vehicle Identification Number (VIN), Year, Make, Model, and approximate date of payoff.

  • I moved and still haven’t received my title/refund check. Where is it?

    Vehicle titles are mailed out from the bank on the 8th business day after the loan is paid in full. Refunds, any additional collateral and the paid loan letter will be mailed out on the 12th business day. Please call our Customer Service Group at 1-800-905-9043 extension 11350. Please have your account number and vehicle information available. Mail from WesBanco is not forwarded but is returned to the bank.

  • Should I receive original documents instead of a letter for paying off my loan?

    WesBanco only sends a Paid Loan letter to notify the customer that the loan is paid in full. If you are due a refund or used a vehicle title, CD, Stock, etc.… as collateral, these items will be sent to you in a separate envelope. If you would like a copy of your documents, please call our Customer Service Group at 1-800-905-9043 extension 11350.

  • Where is my deed?

    Original Deeds are not retained by WesBanco. Please contact either the attorney that processed your closing or you can go to your County and order a certified copy for a minimal fee.

  • We are selling our house and the title search is showing an old lien that was never released. Can you remove the lien?

    Please fax a copy of the title search as well as your contact information to 304-231-1399. Requests are researched in the order they are received. Turnaround time is approximately 2-3 business days, sooner if possible.

  • Can I see my year end (tax information) online?

    This information cannot be located online, please call us at 1-800-905-9043 extension 11350 and we would be happy to assist you.

  • Credit Cards

  • Who do I call for general questions about my card including billing, usage, or to check the status of a credit card application?

    24/7 Consumer Card Cardholder Support
    Phone: 888.295.5540
    Outside the U.S. (call collect): 402.346.1553
    Lost Stolen Support: 800.444.6938
    Online Management: www.FirstBankcard.com

    24/7 Commercial Card Cardholder Support
    Phone: 800.819.4249
    Outside the U.S. (call collect): 402.346.1553
    Lost Stolen Support: 800.444.6938
    Fax: 402.938.5302
    Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
    Online Management: www.FirstBankcard.com

    Commercial Card Program “Administrator” Support
    Hours: M-F 7am-7pm (CST)
    Phone: 800.652.5741
    Fax: 402.938.5302
    Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
    Online Management: www.FirstBankcard.com

    Commercial Card/VOX Support
    Hours: M-F 8am-5:30pm (CST)
    Phone: 877.243.6825
    Fax: 402.938.5302 Option 2
    Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
    Online Management: www.FirstBankcard.com

  • How do I check the status of my credit card application?

    24/7 Consumer Card Cardholder Support
    Phone: 888.295.5540
    Outside the U.S. (call collect): 402.346.1553
    Lost Stolen Support: 800.444.6938
    Online Management: www.FirstBankcard.com

    24/7 Commercial Card Cardholder Support
    Phone: 800.819.4249
    Outside the U.S. (call collect): 402.346.1553
    Lost Stolen Support: 800.444.6938
    Fax: 402.938.5302
    Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
    Online Management: www.FirstBankcard.com

    Commercial Card Program “Administrator” Support
    Hours: M-F 7am-7pm (CST)
    Phone: 800.652.5741
    Fax: 402.938.5302
    Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
    Online Management: www.FirstBankcard.com

    Commercial Card/VOX Support
    Hours: M-F 8am-5:30pm (CST)
    Phone: 877.243.6825
    Fax: 402.938.5302 Option 2
    Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
    Online Management: www.FirstBankcard.com

  • Where do I send my credit card payments?

    Please send your credit card payments to:

    Bankcard Payment Processing
    PO Box 2557
    Omaha, NE 68103-2557

  • Where do I send an overnight credit card payment?

    Please send your overnight credit card payment to:

    Bankcard Payment Processing
    Attention: Express Payments
    1620 Dodge Street
    Omaha, NE 68197-2210

  • Why can’t I see my WesBanco credit card on my online banking?

    WesBanco’s credit cards are managed through the vendor First Bankcard. Because of this, to manage your card electronically online or through mobile you will need to create a separate login and password on the First Bankcard site.

    You can access this from wesbanco.com by going to Borrow/Credit Cards and click on “View Balance”. This will take you directly to the First Bankcard site to start enrollment. Or you can simply click on this link to be directed: www.FirstBankcard.com

  • Can I pay my credit card bill online?

    You can pay your credit card bill online free of charge up to 30 days in advance. Online payments submitted prior to 5:00 p.m. Central Time will be posted to your account the same day. Payments submitted after 5:00 p.m. Central Time will be posted the next day. At our discretion, availability of funds may be delayed to ensure any payment(s) received have cleared.

    Simply click on this link to be directed to the First Bankcard website: www.FirstBankcard.com

  • Can I make an online payment from my savings account?

    Yes. We will accept payments from a savings account. However, your bank must allow the draft. Please check with your bank to determine if a draft from your savings account is allowed.

  • What Credit Card Account Services can I do online?

    The following Credit Card Account Services and many more can be found by logging in and accessing the Account Services tab:

    • Transfer your higher rate balances to your credit card
    • Add or Remove a Card member
    • Sign up to receive your credit card statement online
    • Request a Credit Limit Increase
    • Order a replacement card
    • Request a PIN (Personal Identification Number)
    • Add Email Alerts to your credit card account

    Simply click on this link to be directed to the First Bankcard website: www.FirstBankcard.com

  • What should I do if my credit card is lost or stolen?

    If you lose your card, contact us immediately. We'll block your account and issue you a replacement card. In an emergency situation, such as when you're traveling, we'll get you a temporary replacement card within 24 hours.

    For Lost or Stolen Card Support: 800.444.6938

  • Can I use my credit card to get cash at an ATM?

    Yes. You can use your credit card at any PLUS System or NETS ATM - 24 hours a day, 7 days a week. All you need is your card and Personal Identification Number (PIN) - the secret code that lets you access your account from an ATM.

    Note: Applicable fees may apply.

  • How far back can I obtain credit card account information?

    Up to seven years of statements will be available online. Any transactions posted to your credit card account since the last statement will also be available.

    Simply click on this link to be directed to the First Bankcard website: www.FirstBankcard.com

  • Can I activate my credit card online?

    Yes, you can activate your credit card online in the Account Services section of First Bankcard Online. This option will only appear if your credit card account requires activation.

    Simply click on this link to be directed to the First Bankcard website: www.FirstBankcard.com

  • Why don't I see the option 'Card Activation' in Account Services?

    Card Activation will only display if your enrolled credit card account requires card activation. If you have additional questions, please contact us.

  • What types of Account Alerts are available for my Credit Card?

    There are several types of email alerts that you may request to receive on the Account Alerts page for your credit card account(s). Learn more about account alerts.

  • How can I be instantly approved when applying for a Credit Card?

    After filling out a credit card application and clicking Submit, we will begin processing your application. In just a few moments, you will have a response. If you've been approved, you will receive your new card in the mail. If we need more time to process your application, you will hear from us shortly. Instant approval is not available on all credit card products.

    Simply click on this link to be directed to the First Bankcard website: www.FirstBankcard.com

  • Once I apply, how long will it take to receive my credit card?

    Our credit department reviews and approves all requests for additional cards. Upon approval the additional card will be sent. The delivery times will vary depending on your location. However, most cards will be received within 10-14 business days of the original request.

  • Can I still use my credit card if it expires this month?

    Yes, your credit card(s) are good through the last day of the month.

  • Why didn't the ATM return my credit card?

    Most likely the PIN entered did not match the PIN associated with that credit card account. For security purposes, the credit card will be captured if an incorrect PIN number is entered more than 3 times. If you have forgotten your PIN, you may request a new PIN in the Account Services section once you have logged into your account. To find out how to collect a confiscated card, please call 1-800-395-0637.

  • Can I change the name on my credit card?

    You will find instructions on how to complete your request for a name change in the Services Tab. Requests to correct a misspelling on your card can be made online. However, if the change is due to marriage, to divorce, or other reasons, an online form must be completed and returned to our credit department accompanied by legal documentation showing the name change.

  • Can I allow another family member to use my credit card?

    The family member must first be added to your account as an authorized user. Requests to add a family member or other persons to your account as an authorized user can be requested online in the Account Services section. All requests for additional cards will be reviewed for approval by our credit department.

    Simply click on this link to be directed to the First Bankcard website: www.FirstBankcard.com

  • What privileges does an authorized user have on my credit card account?

    An authorized user may make purchases on the account. An authorized user cannot be enrolled online or make changes to the account.

  • What privileges will a joint card member have on my credit card account?

    A joint card member receives a card in his or her name and has the same privileges as the primary card member. He or she will also share full responsibility and liability for the account. Adding a joint card member to the account is subject to credit review, including a credit report in the name of the person to be added. A joint card member must be at least 18 years of age.

  • Business Banking

  • Do you offer online bill pay for businesses and is there a fee?

    Bill Pay is available for businesses. There is a $5 monthly fee.

  • How do I add/remove additional users to online banking? And can I restrict the additional user’s capabilities and how do I do this?

    If you are the company’s main (Focus) user or have been setup as a sub-user administrator you are able to add and delete sub-users by going to the Cash Management tab/Administrator.

    To create a new sub-user:

    1.) Go to the Cash Management Tab and click Administration.

    2.) On the Sub-Users Administration page, click Add A New Sub-User in the "I want to" menu.

    3.) On the Add New Sub-User page, enter the following required information:

    a.) In the Access ID box, enter a new access ID for the sub-user. The Access ID should have at least five alphanumeric (a-z, A-Z, 0-9) characters and is case-sensitive (that is, "Apple" and "apple" are two different access IDs).

    b.) In the Name box, enter the sub-user's name.

    c.) In the SSN box, enter the sub-user's social security number.

    d.) In the Email box, enter the sub-user's email address.

    e.) In the Mobile Phone or the Alternate Phone box, enter a phone number for the sub-user. Either or both can be entered, but at least one number is required.

    4.) If you want to assign Sub-User Administrator privileges to the new sub-user, click the check box next to Allows the user to administer the accounts and privileges of other sub-users.

    5.) In the Temporary Passcode box, enter a temporary passcode, and then re-enter the passcode in the Confirm Temporary Passcode box. Note: Passcodes are case-sensitive. The "A" icon appears next to the Passcode fields to alert you if your keyboard has Caps Lock set to on. All temporary passcodes expire in two (2) days. The sub-user must log in and change their temporary passcode within this 2-day window, or the account will be locked.

    6.) Leave the IP Address box blank.

    7.) In the Basic Services list, select the basic service for each account you want the sub-user to have access to. Note: The sub-user is limited to those basic services that the Focus Customer has over an account. If the Focus Customer only has View Only privileges over a checking account, the sub-user or Sub-User Administrator will be limited to View Only (or None) on the list.

    8.) If the Focus Customer has more than 20 accounts, click the Next 20 button. The system saves the information on the previous page(s) before presenting the next 20 accounts.

    9.) Review the information, and then click Submit to save the information.

    To delete a sub-user:

    1.) Go to the Cash Management Tab and click Administration.

    2.) On the Sub-Users Administration page, click the Modify Sub-User Information action in the I want to column for the access ID.

    3.) Click Delete. The system checks for all transactions the deleted sub-user was involved in and presents a confirmation page.

    4.) On the Delete Sub-User Confirmation page, review the transactions that were initiated or approved by the sub-user. The system will unschedule these transactions and not process them.

    5.) Click Submit to complete the deletion process.

  • Can I restrict the additional user’s capabilities and how do I do this?

    To modify a sub-user's basic access to accounts:

    1.) Go to the Cash Management Tab and click Administration.

    2.) On the Sub-Users Administration page, click the Modify Access to Accounts action in the I want to column next to the access ID.

    3.) On the Modify Sub-User - Access to Accounts page, select a new basic service in the Basic Services list for each account, if necessary. You can select more than one basic service for an account by Ctrl-clicking.

    4.) If more than 20 accounts are present, click the Next 20 button. The changes on the previous page(s) will be saved.

    5.) Click Submit to save your changes.

    6.) If you lowered or removed access to an account, a warning page appears with a list of scheduled transactions that will be unscheduled. Review the list of pending transactions.

    7.) On the Confirmation page, click Submit again to complete the process. An in-session notification will be sent to the Focus Customer and the sub-user of all unscheduled batches.

    8.) You have successfully modified the sub-user's access to accounts.

    9.) In a dual-control environment, pending changes will need to be approved by another sub-user administrator or your financial institution before they take effect.

  • How do I add/remove additional accounts to online banking?

    To add a new account:

    1.) To access the Add New Online Account page, click one of the following buttons or links:

    a.) On the User Services page, click Add New Online Account.

    b.) On the Account Services page, select Add New Online Account in the table's "I want to" menu.

    c.) On the Accounts page, click on Add an Account icon at the top of the page.

    2.) On the Add New Online Account page, enter the account number in the Account # box.

    3.) In the Nickname box, enter a nickname, which is an easy-to-remember name for your account. (optional)

    4.) On the Account Type list, select the account type.

    5.) If you would like to add Online Bill Pay to a checking account, click the Billpay checkbox. (additional fees may apply)

    6.) Repeat the preceding steps for additional accounts.

    7.) Review your information, and then click Add Account(s).

    8.) The Add New Online Account page appears with your request. Click Submit.

    9.) The Add New Online Account page reappears. Click Done.

    10.) The Account Services page reappears. Your request will be reviewed and processed by WesBanco Bank, Inc.

    To remove access to an account:

    1.) Click the User Services tab.

    2.) In the Manage Account section, click the Remove Online Account link.

    3.) On the Account Services page, select Remove Access in the "I want to" menu in the "I want to..." column for the account you want to set "No View" status.

    4.) Review the account information and any pending or scheduled transactions that may be affected by your request. You can also print the page for your records. On the File menu of your browser, click Print.

    5.) Click the Submit button.

    6.) A confirmation page appears.

  • How do I start/stop electronic statements?

    To submit your request for Electronic-only statements:

    1.) Click the User Services tab.

    2.) In the Manage Account section, click the Account Statements link.

    3.) Click the Electronic Statements Delivery link.

    4.) On the Electronic Statements Delivery Request page, verify or type your home email address in the Email Address and Verify Email Address fields. These are required fields. Note: If you enter an email address that is different from the one on record at WesBanco Bank, Inc., your email address will be updated on the system. You will also receive a confirmation email of this email address change.

    5.) Do one of the following:

    a.) Click Submit for this Account. By clicking this button, you will opt-in for e-statements for this online account only. You will continue to receive paper statements for your other accounts, if any, in the mail.

    b.) Click Submit for All Accounts. By clicking this button, you will opt-in for e-statements for all of your online accounts. You will no longer receive paper statements for your accounts in the mail.

    6.) You will receive a Notify Me alert when your online statements are ready.

    To opt-out of Electronic-only statements:

    1.) Click the User Services tab.

    2.) In the Manage Account section, click the Account Statements link.

    3.) In the Account Statement section of the search page, review the accounts that you have opted in for electronic statement delivery.

    4.) In the Electronic Statement Delivery Status section, do one of the following:

    a.) Click Opt Out For This Account.

    b.) Click Opt Out For All Accounts.

    5.) On the Confirmation page, click Accept to reinstate delivery of your paper statements. Your statements will arrive on the next monthly cycle.

  • Can I change my Access ID?

    The Change Access ID page is used to change an existing Access ID.

    Access IDs have the following rules:

    • Must be 5-20 characters long

    • Does not contain Tax ID or account number

    • Not previously used by the institution for any other customer

    • Are case sensitive

    To change your Access ID:

    1.) Click the User Services tab.

    2.) In the Security Settings section click Change Access ID.

    3.) In the New Access ID box, enter your new Access ID.

    4.) In the Confirm New Access ID box, re-enter your new Access ID.

    5.) Click the Change Access ID button to make the change.

    6.) You will receive an email at your email address on file that your Access ID has changed. Remember to use your new Access ID the next time you log on.

  • How can I update my Security Verification Questions?

    To verify the security question and/or answer:

    1.) Click the User Services tab.

    2.) In the Other Security Settings section click Change Security Verification Question.

    3.) On the Security Verification Question page, verify your current security questions and their answers.

    4.) If you want to change a security verification question and/or answer, click Edit; otherwise, click Cancel to return to the User Services page.

  • Can I give my accounts nicknames and how do I do this?

    To assign an account nickname:

    1.) Click the User Services tab.

    2.) In the Manage Account section, click Account Nicknames.

    3.) In the Nickname box, enter a nickname for the account, up to 50 characters. The current nickname is listed in the box.

    4.) Click Update Nicknames to save your changes.

    5.) A confirmation page appears briefly and then the User Services page reappears. Your account will now be displayed by nickname in addition to account number.

  • Is it possible to set up alerts to warn me when activity occurs on my account?

    To activate or edit account activity alerts:

    1.) Click the Notify Me Alerts tab.

    2.) On the Notify Me Alerts page, select the Account Activity Alerts sub-tab and click Edit Account Activity Alerts in the Account Activity Alerts "I want to" menu.

    3.) Use the check boxes to select the account(s) for which you wish to edit the alerts. To edit alerts on all your accounts, click Check All.

    4.) Click Edit Alerts on Selected Accounts. For each account you selected, there is a Select Account Activity section, which lists the alerts and their options. In the Send to column, your Primary email address is listed, and a Secondary email address and Mobile phone number if any. Selecting one or both email addresses or the Mobile number turns on that alert for that account, and indicates where its notifications will be sent.

    5.) Use the Send to check boxes to select your preferred delivery methods for the alerts that you want to receive.

    6.) Specify any necessary options for those alerts.

    7.) Click Submit.

    8.) A confirmation screen appears briefly, then you return to the main Notify Me Alerts page. The changes take effect immediately.

  • What is the cutoff time to process ACH?

    The Final cutoff time for ACH is 4:00 pm ET.

  • What is the cutoff time to process a wire?

    The Final cutoff time for online Wires is 3:00 pm ET.

  • What information is needed for incoming wires?

    For all domestic wires:

    WesBanco Bank Inc
    1 Bank Plaza
    Wheeling, WV 26003

    Routing/ABA #: 043400036
    Your name
    Your account number

  • Are you able to process an international wire through online banking?

    No, you must visit a WesBanco Bank Banking Center in order to process an outgoing International Wire.

  • I’ve locked myself out of eDeposit, how do I get myself unlocked?

    1.) Contact your local TM Representative

    2.) Email This email address is being protected from spambots. You need JavaScript enabled to view it.

    3.) Email This email address is being protected from spambots. You need JavaScript enabled to view it.

  • How do I add/remove additional users for eDeposit?

    1.) Contact your local TM Representative

    2.) Email This email address is being protected from spambots. You need JavaScript enabled to view it.

  • My remote deposit scanner has stopped working, who do I contact for assistance?

    1.) Contact your local TM Representative

    2.) Email This email address is being protected from spambots. You need JavaScript enabled to view it.

    3.) Email This email address is being protected from spambots. You need JavaScript enabled to view it.

  • How do I add/remove additional accounts to eDeposit?

    1.) Contact your local TM Representative

    2.) Email This email address is being protected from spambots. You need JavaScript enabled to view it.

  • What is the cut off time for transmitting deposits through Remote Capture?

    6:00 pm ET

  • With my Remote Capture there are black lines appearing on my check images, how do I fix this?

    If cleaning your scanner does not fix the issue email This email address is being protected from spambots. You need JavaScript enabled to view it. for directions on how to take further steps to obtain good check images.

  • How often should the Remote Capture scanner be cleaned?

    We suggest you clean your scanner on a weekly basis.

  • Where can I find instructions on how to clean the scanner on my Remote Capture?

    Login to the WesBanco eDeposit website. On the left side of the screen select “Training”. Select the type of scanner Under the Training tab to the right there is a dropdown box that will have your scanner type listed.

  • Where do I order replacement ink cartridges for my Remote Capture machine and how do I know when the ink cartridge needs replaced?

    1.) Replacement ink cartridges can be order through any office supply store

    2.) Email This email address is being protected from spambots. You need JavaScript enabled to view it.

  • How do I know when the ink cartridge needs replaced?

    When the number printed on the back of the check is faint or is no longer printing.

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For all customer service needs, including a lost or stolen debit card, please click the CUSTOMER SERVICE tab above or contact us at
1 (800) 905-9043.

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WesBanco Bank, Inc. is a Member FDIC