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Electronic Disclosure Consent Statement
NOTE: Please read this entire disclosure and click “Accept” at the bottom to proceed.
This statement asks for your consent so that we can provide communications and information to you in an electronic format rather than in paper format. Before you decide whether or not you wish to provide your consent to receiving electronic disclosures, you should read and consider the following information. Then, if you decide to consent, you can click the “Accept” button confirming you have read and agreed to the terms of this disclosure. For your consent to be effective, your computer and browser will need to meet the hardware and software requirements discussed below.
This statement contains important information that we are required by law to provide to you. You should keep a copy for your records. If you have any questions about these disclosures that are not answered, feel free to communicate with us using any of the following contacts:
By mail:
WesBanco Bank, Inc.
Attention: Electronic Banking
One Bank Plaza
Wheeling, WV 26003
By telephone:
1-800-905-9043
Our Online Account Opening Service (the “Service”) along with the required documents and disclosures to open an account on the Service were designed and built to provide records to you in electronic form. You cannot establish an account relationship online without agreeing to receive account agreements and disclosures in electronic form.
If you consent, we will also provide you agreements and other disclosures in an electronic format. These disclosures may include but are not limited to the following:
Initial review and approval, along with any updates or amendments to, our Deposit Account Agreement;
Initial review and approval of initial customer disclosures for account opening including, but not limited to, the Bank’s Overdraft Services Consent Form
Notice of change in account terms;
Notice of fee changes;
Responses to any questions you may have about electronic funds transfers;
Privacy and security notices.
1. How to Obtain Electronic Disclosures (E-Disclosures)
If any amendment(s) to this or other agreements result in an adverse effect upon our customers, we will provide at least 30 days prior notice through a secure online message and/or external email alert.
We may also send you an external email notice and/or secure message through the Service to inform you where other important disclosures can be viewed on our website or within the Service.
You may download or print all electronic notices and disclosures from your computer if you have the hardware and software described below. You can also save copies of electronic notices and disclosures to your hard drive or other media for viewing and printing at a later time.
If you have trouble printing or if you need a paper copy for a special situation, you may request a paper copy from us by contacting us through any of the methods listed above. If you need a paper copy of any Edisclosure, we will provide the first copy for free. Charges may apply for additional paper copies.
2. System and Equipment Requirements
Prior to accepting the electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access the system and retrieve documents and disclosures in an electronic format.
You will need:
Internet Access.
A computer and Internet browser that can support 128-bit encryption.
Adobe Reader software, or a similar utility capable of displaying PDF files.
For security purposes, we support the most current version of popular browsers, such as Microsoft Edge, Mozilla/Firefox, Google Chrome or Apple Safari browser. The most current browser versions are typically more secure and will support 128 bit encryption.
A printer connected to your computer for printing E-disclosures and/or sufficient hard-drive space or other media (e.g. CD, USB drive) if you plan to save disclosures in an electronic format.
An external email address. This is necessary so that we can send you notices when E- disclosures are available on our website or within the Service.
We may revise hardware and software requirements from time-to-time. If there is a material chance that the changes may impact your ability to access the system or E-disclosures, we will notify you of these changes thirty (30) days in advance. At that time, you will be given an opportunity to change the format of your disclosures (e.g. change from an electronic format to paper format) without the imposition of any fees.
3. Cancellation of E-Disclosures
If you consent to receive E-disclosures and later change your mind, you may withdraw your consent and change to paper delivery format.
You can notify us of your intent to cancel E-disclosures by sending us a secure message through the Service, or by contacting us through any of the methods listed above.
If you send us a secure message or write us a letter, please be sure to identify yourself and the applicable accounts.
If you have agreed to receive electronic-only account statements, you can “opt-out” on the “Change Document Delivery Method” page within the Documents section in the Service. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply.
4. Address Changes
In order to provide E-disclosures, we must maintain current customer email address at all times. It is your sole responsibility to provide us with your correct contact information, including your email address.
You should notify WesBanco Bank, Inc. of any changes to your personal contact information by calling us at 1-800-905-9043 or you can update your personal information at any of our branch locations. If you wish to notify us electronically, please update your personal information through the Customer Service menu within the Service.
5. Proceed with Acceptance of E-Disclosures
With your acceptance, you agree to accept the Overdraft Services Consent Disclosure and other related account disclosures in an electronic format. You also agree that you have the necessary equipment for accessing and viewing the disclosures and you agree to notify us if you change your email address or if you no longer want to receive disclosures electronically.
If you do not want E-disclosures, do not checkmark the box confirming that you agree to the terms within the account opening process. If you do not accept E-disclosures you will not be able to continue with establishing your account relationship online.
Firstnet is the bill payment services division of WesBanco Bank, Inc. Our Firstnet office is located in the Heartland of Kentucky, just outside of Fort Knox. Firstnet has been providing bill payment services for over 30 years. Our products include allotments, payroll deductions and Electronic Fund Transfers or bank draft processing.
Consumers
Welcome to WesBanco Firstnet Bill Payment Service. Thank you for choosing us to be your payment processing specialists! Our bill payment services division Firstnet is located in Radcliff, Kentucky and provides payment processing services for various companies throughout the country.
WesBanco Bank acts as a bill payment service for the company in which you are making bi-weekly or monthly payments. All payments are forwarded to the respective companies that actually retain the title, mortgage, consolidation loan, insurance policy, investment or loan for merchandise that you have obtained. Any questions regarding policies, investment balances, contract amounts, payoffs or loan purchases should be made to those companies.
If you have any questions regarding your account please enroll online at www.FirstnetBillPay.com or you may always contact us at 800-351-1911 and one of our Allotment Specialists will be happy to assist you.
Firstnet Business
Welcome to WesBanco Firstnet Bill Payment Service. Our bill payment services division Firstnet is located in Radcliff, Kentucky and provides payment processing services for various companies throughout the country.
Payroll Deduction Payroll deductions are electronically sent directly from the employer to Firstnet. Other payment vehicles provide little or no payment data, little customer support, and much less flexibility. Payroll deduction is a safe, voluntary way for your customers to make their payment to you. Hard working men and women rely on Firstnet to process their payroll deductions and make sure their payments are made on time.
Allotments Allotments may be used for pre-arranged bill payments. Firstnet has decades of experience processing these type of payments. Allotments are excellent tools that assist Active Duty Military, Civil Service, or Retired Military in budgeting their monthly payments. Recognized as a pioneer and innovator in the industry, Firstnet is proud to have served America’s heroes for over 30 years.
Electronic Fund Transfers (EFT) Firstnet has been offering Electronic Fund Transfers (EFT) service since 1983. Electronic Fund Transfers (EFT) sometimes referred to as Bank Drafts are used to facilitate payments directly from customer’s bank accounts to a business. Payments processed by Firstnet are generally recurring, for an authorized amount, and are secure, fast and reliable.
WesBanco operates branches and offices in 8 states. Over the past decade, we have built a national reputation as a safe, sound and profitable bank holding company that always strives to do better by its customers.
With a reported increase in texting and phone scams across the banking industry, we wanted to share a friendly reminder that WesBanco will never call, email or text to ask for your personal information or login credentials. As your bank, we already have that. If you ever question the authenticity of an unsolicited communication, please contact WesBanco directly using the number on the back of your card.
