elcomeGuide
WesBanco Bank, Inc.
•
1 Bank Plaza
•
Wheeling, WV 26003
•
1-800-905-9043
WesBanco Bank, Inc. is a Member FDIC.
•
www.wesbanco.com
Our Better Banking Pledge
Our pledge is to make you pleased that you have chosen to do banking with us. How?
By doing all the things that add up to one big difference – Customer Satisfaction second to none.
We PLEDGE to provide you excellent customer service.
We PLEDGE to always smile and greet you as you enter the bank.
We PLEDGE to always look for opportunities to do something extra for you.
We PLEDGE to respond to all requests and meet your needs within the same day or within your expectations.
We PLEDGE to be professional, respectful, and polite and to always have a positive attitude.
We PLEDGE that if we do not know how to solve an issue we will find someone who can and follow through.
We PLEDGE to take pride in our work and strive for 100% accuracy at all times.
We PLEDGE to always thank you for your business and for being a part of our family.
Thank you for being a part of the WesBanco family!
Please refer to pages 21-32 of this Welcome Guide for important information regarding changes in terms.
Commitment to Community
We welcome you to a new banking experience as WesBanco Bank, Inc. and Your Community Bank officially join forces to
provide a wider range of financial products and services to the communities and surrounding areas served by Your Community
Bank in Indiana and Kentucky. Beginning November 5, 2016, you can take advantage of WesBanco’s competitive products and
enjoy the customer and community-focused banking that people have come to expect from each company.
As we anticipate merging the strengths of our two banking organizations, we feel that it is important to provide you a preview
of our customer-centric service culture, one you will find very similar to that of Your Community Bank. At WesBanco, we build
long-term relationships with our customers through our dedicated staff of community-minded professionals. We pledge to
serve your personal financial needs and help grow your businesses, adhering to a set of pledges reminiscent of the We Promise
assurance that you have come to know at Your Community Bank. Here are some things you can expect from us as we earn your
business and trust.
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We
are dedicated to the communities that we serve. Our
directors, officers and employees will work to provide financial
and personal support to help our communities grow. The
Federal Deposit Insurance Corporation awarded WesBanco
Bank, Inc. a composite “Outstanding” rating for its most recent
Community Reinvestment Act performance, the bank’s fifth
consecutive Outstanding rating.
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You’ll
see the same people serving you at your neighborhood
banking center, and you’ll enjoy similar hours of banking service
and a wide variety of banking options.
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Supporting local business is important to us. We believe our
financial strength, plus our dedication to service will give
business owners confidence while working with WesBanco as
we help you reach your business and personal goals. We will
deliver the resources you need to provide your own customers
with the service and satisfaction they expect and deserve.
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We
work diligently to provide a total banking experience that
exceeds your expectations.
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We respect our customers. We will greet you, smile and say
“Thank you for your business.” We provide our employees the
training and tools necessary to efficiently serve your financial
needs and communicate changes that may occur in your
banking relationship, well in advance of any change.
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We
offer a full array of electronic and online banking services
including mobile banking, mobile deposit, electronic statements
and electronic bill pay. New payment options such as Apple
Pay,™ Samsung Pay™ and Android Pay™ are available to
WesBanco debit card holders. As a special service to our
customers, instant issue debit cards will continue to be available
at all former Your Community Bank locations following customer
conversion, as all WesBanco locations are equipped to issue
debit cards instantly, on site.
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You
will have access to an expanded network of Automated Teller
Machines (ATMs). In addition to WesBanco ATMs, you will enjoy
additional convenience and savings from our partnership with the
STARsf/Allpoint Surcharge-Free ATM Network that will provide over
55,000 surcharge-free ATMs worldwide.
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We
offer Wealth Management Services through our trust division
and our full-service securities broker/ dealer. Our full-service
insurance agency, WesBanco Insurance Services, Inc., provides
complete lines of personal and business insurance. We will meet
with you to listen to your goals and develop a personalized wealth
and insurance strategy that works for you.
It is a pleasure to welcome you to WesBanco and we look forward to becoming part of your communities. Please review this
guide for an introduction to WesBanco and an overview of what we have to offer. On September 30, 2016, change in terms
letters will be mailed to all account holders for each of your deposit accounts. These letters will explain the specific changes in
product features and fees related to your accounts as a result of account conversion. If you find you still have questions, please
call us at 1-800-905-9043, which also connects to our after-hours call center, or stop by any banking center and meet with us.
Let this letter serve as our introduction as well as our commitment to continue to serve you with promptness, flexibility and,
most of all, trust. We welcome you to the WesBanco family and invite you to see why your community bank, WesBanco, is, by
all accounts, better.
Todd F. Clossin
President & CEO
WesBanco Bank, Inc.
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WesBanco
Photo courtesy of the Louisville Slugger Museum & Factory.
James D. Rickard
Market President,
Indiana and Kentucky Market
Safe & Sound: You Can Count on WesBanco
WesBanco has stood as a strong, sound support for the community since we were founded in 1870. Today we offer a
full range of banking and insurance services for individuals and businesses, as well as wealth management services
including trust and investment, brokerage and private client services.
WesBanco was founded in Wheeling, West Virginia in 1870 as The German Bank. In 1933 it formed the Wheeling Dollar
Savings & Trust Company, which had been organized in 1887 in Wheeling as the Dollar Savings Bank. Over the years,
Wheeling Dollar Savings & Trust Company grew through numerous acquisitions, and in 1968 the bank holding company,
WesBanco, Inc., was incorporated.
Getting to Know WesBanco
Our History
Since 1870, when WesBanco opened its doors in Wheeling, West Virginia, the company has grown
organically and through acquisition to become the $9.8 billon institution that we are today as we serve
five states – West Virginia, Ohio, Pennsylvania, Indiana and Kentucky. Even as we expand, we adhere to
the same sense of community responsibility that we have embraced for 146 years.
In addition to our banking offices, WesBanco operates an insurance agency, WesBanco Insurance
Services, Inc., and a full-service securities broker/dealer, WesBanco Securities, Inc.
The founders of WesBanco were not just bankers; they were business pioneers and brave frontier leaders who offered
individuals and small companies a safe place to keep money. They believed that the survival and growth of the
community depended on the presence of a bank that was committed to safety and soundness, and determined to be
there for future generations.
Our Biggest Investment
To complement the products and services that we
provide, we believe that the bank has a commitment
to invest in the customer and the community. We
work constantly to be a bank you can trust. That’s
why we take the time to listen to you and focus on
meeting your needs. At WesBanco, we provide you
a wide variety of services while we give you the
personal service you’d expect from a community
bank, or more specifically, Your Community Bank.
Over the years, WesBanco has continually widened the range of financial services offered to our customers, offering
innovations and solid dependable customer service.
Since 1915, the WesBanco Trust and Investment Services
Department has been helping generations of families preserve
wealth and individuals develop their personal financial
plans. Investment management, trust and estate planning/
administration and retirement planning are just a few of
the many services provided by our team of highly skilled
professionals. The Investment Department of WesBanco Trust
and Investment Services serves as the investment advisor to the
WesMark Funds family of mutual funds.
WesBanco formed the discount securities broker Mountaineer
Securities Company in 1982. Now a full-service broker/dealer,
the company is incorporated as WesBanco Securities, Inc.
and is a member of the FINRA and Securities Investment
Protection Corporation (SIPC) offering investment products and
services for individuals and businesses. We acquired Universal
Mortgage Company in 1996 to provide a wider variety of
mortgage programs, and in 1998 we acquired Hunter Insurance
Agency, now WesBanco Insurance Services, Inc., an insurance
brokerage company that offers personal and commercial lines of
insurance. Trust and Investment Services, WesBanco Securities,
Inc., WesBanco Insurance Services and Private Client Services
make up WesBanco Wealth Management Services.*
From 1994 to 2000, WesBanco doubled in size and merged our
four West Virginia banks in Charleston, Fairmont, Parkersburg
and Wheeling to form WesBanco Bank, Inc. From 2000 to 2005,
WesBanco again doubled in size as we expanded into four new
markets: Columbus, Springfield/Dayton and Cincinnati, Ohio,
as well as western Pennsylvania. In 2007, WesBanco Bank, Inc.
acquired Oak Hill Banks, headquartered in Jackson, Ohio, adding
another new market for the company in southeastern Ohio.
More than 50% of WesBanco’s deposits were located in Ohio after
this acquisition. In 2009, WesBanco purchased all five Columbus,
Ohio AmTrust Bank banking offices and assumed all of the
deposits of the five AmTrust branches in the greater Columbus
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WesBanco
market. In 2012, WesBanco acquired Fidelity Bancorp, Inc.,
headquartered in Pittsburgh, Pennsylvania, adding 13 new
branches to WesBanco’s western Pennsylvania franchise. And,
in 2015, WesBanco acquired ESB Financial Corporation and the
23 offices of ESB Bank to create a bank with approximately $8.3
billion in total assets, providing banking services through 143
branch locations and 130 ATMs in three states. This expanded
WesBanco’s franchise in the Pittsburgh region of western
Pennsylvania to 39 offices with approximately $2.5 billion in
total assets. WesBanco became and remains the 10th largest fullservice financial institution in western Pennsylvania.
On Saturday, November 5, 2016, we will begin offering our
services through all 33 Your Community Bank offices. The new
combination of Your Community Bank and WesBanco creates
a bank with approximately $9.8 billion in total assets, providing
banking services through 173 financial centers in five states,
and meaningfully expands WesBanco’s franchise into attractive
markets in Kentucky and Southern Indiana, and a top ten
market share in the Louisville metropolitan area.
WesBanco is nationally recognized as a strong, sound provider
of financial services, consistently receiving the highest ratings
from independent rating agencies. By maintaining a staff of
skilled, customer-focused employees, WesBanco makes optimal
use of advancement in banking technology.
WesBanco provides information about our safety and
soundness on our website at www.wesbanco.com and
information about our proprietary family of WesMark
Funds at www.wesmarkfunds.com. By committing to safety
and soundness, and a sense of loyalty to our customers
and communities since 1870, WesBanco, Inc. has kept our
pioneering spirit alive while fostering prosperity in every
community we serve.
So what makes WesBanco, by all accounts, better?
Just ask our customers.
We have historically scored high in customer satisfaction surveys. That’s because we give our customers
the best of both worlds – a wide range of services paired with a customer-focused philosophy.
With WesBanco, you’ll get options with our checking accounts. You’ll get security through our overdraft
protection. You’ll get guidance through our Wealth Management Services. You’ll get same-day
transaction posting through closing time (unless specified otherwise) and a full range of electronic
services with the added access to Apple Pay,™ Samsung Pay™ and Android Pay.™ Please take advantage
of all that we offer and experience the full range of WesBanco’s customer satisfaction, delivered by many
of the same individuals who have served you so well through the years. And, you get the peace of mind
that comes with choosing one of the strongest banks in the nation.
* Notice Regarding Deposit Accounts and Nondeposit Investment Products
Wealth Management Services include WesBanco Trust and Investment Services (WTIS) and WesBanco Securities, Inc. (WSI).
WSI is a wholly owned subsidiary of WesBanco, Inc. and a member of FINRA and SIPC. WesBanco Insurance Services (WIS) is
licensed in the states of West Virginia, Pennsylvania, Ohio, Kentucky, Indiana and Florida. WTIS may invest in insured deposits
or nondeposit investment products. WSI and WIS may invest in nondeposit investment products. Nondeposit investment
products are not insured by the FDIC, not bank guaranteed, not insured by any government entity and are subject to investment
risk, including possible loss of principal amount invested.
WesBanco Bank, Inc. is a Member FDIC and Equal Housing Lender.
Welcomeguide
7
Personal Checking Overview
Checking designed to meet your needs
Here are some of our most popular options.
When it comes to banking, everyone has different needs. That’s why WesBanco offers a variety of checking
accounts, so you can find the one that works for you. You can stick to the basics with our eChecking account,
consider one of our lifestyle checking accounts, or choose a checking account that pays you interest on your
collected balance. We will retain the Duty First Checking account and the HSA Checking account offered
by Your Community Bank, with the same terms and features for those already enrolled in those programs.
WesBanco has chosen to adopt the Duty First Checking program and add it to our suite of checking products,
so that individuals involved in active military duty will continue to be eligible for this account.
eChecking — eChecking offers our
customers a flexible and affordable
account with free access to all of our
convenience services.
Features of eChecking:
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* Depending on your cell phone rate plan, messaging and Internet
browsing charges may be incurred. Please check with your service
provider before accessing any Internet sites using your mobile device.
**Images available on select accounts
A
n initial deposit of $50 is required to
open this non-interest bearing account
M
aintain a minimum daily balance of
$500 and you will avoid a $4 monthly
service charge
F
ree eStatement
A
monthly mailed paper statement
without images is available for $3;
however, fee can be waived by opting
to receive an eStatement
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esBanco Money Card® debit card with
no WesBanco per transactions fees on
daily purchases and unlimited, FREE
ATM transactions at any WesBanco
AllPoint and STARsf network ATMs
F
ree eStatements**
WesBanco
A+ Student
Checking
Duty First*
Interest Checking
Premium Checking
Daily
Minimum to
Avoid Monthly
Service Fee
$500
No Minimum
Balance Required
$500
No Minimum
Balance Required
$1,000
No Minimum
Balance Required
Monthly
Service Fee
$4.00
None
$4 or FREE with
eStatement
None
$10.00
None
Initial Deposit
$50.00
$50.00
$1.003
$50.00
$50.00
$5,000
N/A
N/A
N/A
N/A
Compounded
Monthly
Compounded
Monthly
No Annual Fee 1
No Annual Fee 1
No Annual Fee1, 4
No Annual Fee &
No Foreign ATM
Service Charges5
No Annual Fee 1
No Annual Fee 1
Checks
Available
Through Bank
First Order FREE;
Available Through
Bank2
Available
Through Bank
Available
Through Bank
Available
Through Bank
Available
Through Bank
Other
Unlimited
Transactions
Unlimited
Transactions
Unlimited
Transactions and
1st Overdraft
Fee Waived
Unlimited
Transactions
Unlimited
Transactions
Unlimited
Transactions
Interest
WesBanco
Debit Card
* You must present unexpired military identification to be eligible for this account.
1
If used at an out-of-network ATM, there is a charge of $1.50 per transaction in addition to the fee that
the bank that owns the ATM may charge.
2
55+ Checking provides the first order of personalized basic WesBanco checks free.
3
ou must be at least 14 years of age to open an A+ Student Checking account. A parent or legal
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guardian is required as a signer on the account until the student is 18 years of age, or until enrolled as
a college student. A separate authorization and indemnity agreement must be signed at the time the
account is opened.
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WesBanco Debit Card can be issued to a 14-year-old account holder. If a debit card is requested in
A
the minor’s name, the minor must be the primary account holder. Minors who are 17 years of age may
open a checking account and have a debit card issued in their name without a parent or legal guardian
as a joint account holder IF the minor is enrolled as a college student. Proof of enrollment may be
required if no student ID is available.
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A fee may be charged by the owner of the ATM.
F
ree Online Banking, Mobile Banking
and Bill Pay
N
o annual fees on
WesBanco Money Card ®
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nlimited transactions
Refer to the next page for details
on our checking accounts and a
side-by-side comparison.
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55+ Checking
F
ree Online Banking, Mobile Banking*
AND Bill Pay
With every WesBanco consumer
checking account, you’ll get:
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eChecking
Features
Welcomeguide
9
Wealth Management/Investing*
Wealth Management invested in helping you
The financial world is constantly changing and our clients need more than just traditional banking
services. That’s why we offer an expanded range of investment products and wealth management services.
We welcome the opportunity to provide you a free, confidential, no obligation discussion of your financial
goals to show you how we can help you. Call or visit any of our offices to arrange an appointment to meet
with one of our professionals, or directly call any of the trust officers, investment portfolio managers, or
financial advisors who are listed by their location on our website at wesbanco.com. Select the Invest menu
and you will find these individuals listed within the Trust and Investment Services and Brokerage sections
of our site. Or call toll-free at 800-905-9043 and simply let us know how we can be of service. You can find
our insurance locations at wesbanco.com/insure or call toll-free at 800-361-6175.
Why not use our expertise to save you time and get professional advice? We offer:
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Investment Management
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Foundations/Charitable Trusts
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Professional Financial Planning
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Executor Under Will Services
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Personal Trust Services
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And More...
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Retirement Plans
Private Client Services
Enjoy an enhanced level of personal service by utilizing a WesBanco Private Banker. Our Private Bankers
can develop customized depository and lending solutions and provide client-focused financial planning to
satisfy all of your banking and investment needs. Let them serve as your primary point of contact to help
you achieve results and simplify your financial life.
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Personal Cash Management
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Specialized Personal Lending and
Business Financing
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Strategic Planning for Protecting,
Growing & Transferring Wealth
The WesMark Funds
WesBanco Trust and Investment Services has provided
investment advice to individuals and corporations for more than 100 years. The same investment philosophy
that has served generations guides the management of the WesMark Funds. The WesBanco Investment
Department serves as the investment adviser to the WesMark Funds.
Call us about your investment goals at 1-800-864-1013. We will provide you with a prospectus containing
more complete information, or view the prospectus available at www.wesmarkfunds.com, which you should
read carefully before investing.
Balance risk and reward with five investment options:
Service you can trust
The Trust Department at WesBanco has been giving people financial planning advice since 1915. Our
dedicated and experienced team manages client assets in excess of $3.5 billion. We serve a diverse client
base, including high net worth individuals, for profit and not-for-profit institutions and charitable
organizations. WesBanco’s Trust Officers will work with you, your attorney, your accountant and other
appropriate advisors to develop a financial plan that is tailor-made for you.
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WesBanco
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Growth Fund
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Small Company Growth Fund
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Balanced Fund
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Government Bond Fund
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West Virginia Municipal Bond Fund
Investment return and principal value will fluctuate so when shares are redeemed, they may be worth more
or less than their original cost. See prospectus for fees and expenses that apply to a continued investment in
the funds. ALPS Distributors, Inc. is the distributor of the Funds.
Welcomeguide
11
Wealth Management/Investing*
CONTINUED
WesBanco Securities Services and Products
WesBanco Insurance Services and Products
WesBanco Securities offers a range of services to meet the financial objectives of individuals and businesses:
Services
Insurance Services*
Investment Products
Whether you are a young couple or a long-established business, WesBanco Insurance can help
you to determine your exposures to loss and tailor an affordable insurance package to meet your
every need. We have agents who are licensed, trained and specialize in practically every line of
insurance available.
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F
inancial Planning
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A
nnuities
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P
ersonal Retirement Planning
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L
ife Insurance
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C
ollege Funding Plans
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W
ealth Transfer Products
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L
ong Term Care
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E
quities
Personal Lines
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R
etirement Plans
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M
utual Funds
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The following is a partial list of products available:
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utomobile
H
omeowners
B
oat
C
ondominium
M
otorcycle
F
arm
R
ecreational Vehicles
Flood
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mbrella Liability
L
ife
Health
T
itle
Commercial Lines
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Automobile
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Property
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B
oiler &
Machinery
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*Wealth Management Services include WesBanco Trust and Investment Services (WTIS) and WesBanco Securities, Inc.
(WSI). WSI is a wholly owned subsidiary of WesBanco, Inc. and a member of FINRA and SIPC. WTIS may invest in
insured deposits or nondeposit investment products. WSI may invest in nondeposit investment products. Nondeposit
investment products are not insured by the FDIC, not bank guaranteed, not insured by any government entity and are
subject to investment risk, including possible loss of principal amount invested.
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WesBanco
Crime
B
usiness Owners
Package
Bonds
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E
DP
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Inland Marine
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B
uilders Risk
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Flood
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Group Life
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T
itle
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G
roup Health
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G
aragekeepers
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mbrella
K
ey Man/
Buy-Sell Life
* WesBanco Insurance Services is licensed in the states of West Virginia, Ohio, Kentucky, Pennsylvania,
Indiana and Florida. Insurance products are nondeposit investment products. Nondeposit investment
products are not FDIC insured, not bank guaranteed, not insured by any government entity and are subject
to investment risk including the possible loss of the principal amount invested.
Welcomeguide
13
Business Banking
Business Banking that makes your job easier
Managing your financial assets intelligently is essential for your company’s growth and profitability –
and we have all the products, tools and support you’ll need for continued success.
Whether your business is small or large, old or new, or just in the planning stage, the Corporate Bankers
at WesBanco have all the products and skills to find financial answers to your business questions.
Some of our key Business Banking
offerings include:
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Loans – a commercial loan is specifically
tailored to meet a company’s needs. A
department of qualified commercial lenders is
available to design the best possible loan for
each customer based upon need, collateral
available and the amount of risk involved with
the loan. WesBanco is extremely committed
to business and economic development
of its communities and is dedicated to
finding avenues of financial support to help
businesses succeed.
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Sweep Accounts – to ensure that idle cash
balances are automatically invested, secure
and working for you!
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Payroll Direct Deposit Service –
a way to electronically deposit employees’
wages into their accounts at WesBanco or
any other banking institution on payday.
Lockbox Services – giving you access
to incoming funds faster by reducing the
float time.
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Time is money. That’s why WesBanco offers Business
Banking options – to give you more time to run your
business and get work done. Our services can make
your job easier. We save you and your employees trips to
the bank so you can focus on making the most of your
hard-earned dollars.
Business Select, Business Analysis Checking,
or our Community Checking designed for civic
and non-profit organizations. All with a free
business debit card.
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WesBanco
Savings – choose from our Statement
Savings or Business Money Market Account
which permits limited check writing and offers
tiered interest to reward higher balances.
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Money Management
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Treasury Management Services
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Visit the Business Banking section online at
www.wesbanco.com to find out more about how
WesBanco can be a great business partner.
Checking – choose from Free Business,
Investment and Retirement
Services
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Cyber Security
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Foreign Exchange Services
Welcomeguide
15
Electronic Banking
Electronic Banking that brings WesBanco right to you
Business Banking Basic Package
WesBanco offers you a wide variety of services. And with Electronic Banking, we can bring many of these
services to you without you ever having to leave your home. Our online banking and mobile services save
you trips to the bank by giving you a way to monitor your account, pay your bills, transfer funds, receive
account alerts and make deposits right from your computer or handheld device.
Ever have trouble getting out of the office before the bank closes? With WesBanco, that’s not a problem.
We offer online Business Banking packages so that you can take care of your banking without leaving
your desk.
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Check your account balance
At WesBanco, we’re dedicated to giving you a better banking experience. We deliver on that promise by
making it easy and convenient to manage your money online.
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Free internal transfers
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Wire transfers
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Stop payments
We also offer a Plus Package with even more features designed to make online Business Banking
quicker and convenient.
WesBanco + STARsf/Allpoint Surcharge-Free ATM Network = Convenience and Savings
Online Banking lets you:
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Check your account balance
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Review all your transactions
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Reorder checks
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Make transfers
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Pay bills
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Establish account
activity alerts
To learn more about Electronic Banking, just visit us on the Web at
www.wesbanco.com.
Mobile Banking
Enjoy banking at your fingertips – 24/7 – from your mobile phone or tablet!*
You’ll have secure access to your WesBanco accounts for things like quick and easy balance inquiries,
mobile text alerts and transfer of funds between internal accounts and even use your phone to deposit
checks to your WesBanco account.
We’re confident that you will be pleased with the use of an expanded network of Automated Teller
Machines (ATMs). In addition to WesBanco ATMs, you will enjoy the additional convenience and
savings that our partnership with STARsf/Allpoint Surcharge-Free ATM Network will provide to you.
The WesBanco ATM/Debit Card can be used surcharge free at ATMs within this network worldwide.
Plans to Travel with your Debit Card?
In order to protect our customers, WesBanco periodically
blocks transactions from areas that are experiencing high
levels of fraudulent activity. If you plan to travel, please call
our Electronic Banking staff at 1-800-905-9043 and we will
update your profile to allow for uninterrupted use during
your trip.
*Depending on your cell phone rate plan, messaging and
Internet browsing charges may be incurred. Please check
with your service provider before accessing any Internet
sites using your mobile device.
.
Get the APP – Download the mobile app to your iPhone, iPad or Android devices. You can also access
your accounts via the Internet from other Smartphones and mobile devices at wesbanco.com.
WesBanco debit card users also have an added convenience when shopping thanks to our integration
with Apple Pay,™ Samsung Pay™ and Android Pay™ – services that will transform mobile payments with
an easy, secure and private way to pay for purchases!
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WesBanco
Welcomeguide
17
Consumer Lending Information/Products
Overdraft Protection
Loans to finance cars, college and everything in between
Overdraft Programs
There are times when the only way to pay for what you need is to borrow the money. And that’s why we’re
here. You can think of WesBanco as your friend and financial resource, the place you come when you
need a loan or line of credit.
We all try to be careful about managing our money, but sometimes we slip up by spending more than we
have in the bank. But good news – WesBanco can free you from the worry of overspending by providing
you with Overdraft Protection on your account. Call WesBanco to find out more about how we can help
cover your overdrafts.
Your WesBanco Banker can answer any questions you have and quote you current rates on any program
that suits your needs. Call 1-800-905-9043 to schedule an appointment.
When you need money, it helps to have a friend in the neighborhood. So it’s good to know that WesBanco
is here to give you the loans you need.
Some Other Ways to Protect Against Overdrafts:
If your account gets overdrawn, WesBanco can apply available
funds from your other accounts to cover your overdrafts.
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Loans
We can finance nearly anything for you from home improvements, furniture and college tuition to
medical emergencies or a mortgage on a new house.
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H
ome Equity
Lines of Credit
N
ew and Used
Car Loans
P
ersonal Loans and
Lines of Credit
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S
ecured Loans
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M
ortgage Loans
A Home Equity Line of Credit Plan can cover your checking
account when you do not have sufficient funds to cover written
checks. This automatically transfers a minimum of $250 to your
checking account when you do not have sufficient funds and
charges that amount to your Line of Credit. Works anytime,
anywhere and saves you a visit to the bank to make that
transaction personally.
WesBanco offers:
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Savings Accounts or Checking Accounts can be tied together
to automatically transfer available funds from your Savings
account to your Checking account to cover overdrafts.
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Personal Line of Credit (PLOC) is an unsecured line of credit
that can be tied to your personal or sole proprietor’s checking
account(s). Minimum payment will be automatically deducted
from your checking account on the payment due date.
All transfers will be detailed on your Checking account, Savings
account or Line of Credit statements. Personal Line of Credit
transfers will be in multiples of $50.
Eligibility restrictions may apply.
Mortgage
The experienced mortgage loan officers at WesBanco are trained to help select the loan that best suits
your needs. We specialize in making mortgage loans to purchase, build or refinance single family/owner
occupied homes.
Over the years, we have established an excellent working relationship with the Federal Housing
Administration, Veteran’s Administration and State Housing Bond Programs, thereby giving us the widest
selection of mortgage programs to offer our customers.
WesBanco offers evening and weekend loan appointments and pre-qualifying interviews to potential
home buyers
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Welcomeguide
19
Fee changes indicated in bold
Customer Account Fee Schedule
YCB Fees
WesBanco Fees
as of November 5, 2016
$35.00/item
$35.00/item*
No charge
$10 after 10th day and every 10th day
until the overdrawn account is cleared.
Returned Item Charge - Your check or electronic debit item
returned because of Nonsufficient funds (per item)
$35.00/item
$35.00/item*
Overdraft Transfer Fee
When funds are transferred from a savings or checking to
another checking to cover an overdraft
—
$5.00/transfer
No charge
$12.00/item
$3.00/item
$10.00/item
No charge
$10.00
$32.00/item
$35.00/item
Statements on Request
$5.00/statement
$5.00/statement
eStatement with Images
No charge
No charge
Official Checks
Online Statement Request (printed copy)
$7.00
$5.00/each
$5.00
$1.00/each
Telephone Transactions
Automated Line
Telephone Balance Inquiries
$3.00/each
No charge
No charge
$3.00/each
No charge
$1.00
$25.00 per hour
$25.00 per hour
$25.00 per hour
$25.00 per hour
—
$25.00 each
$2.00 per transaction
$1.50 per transaction
$5.00/card
$5.00/card
—
$.50/item if unsuitable for automated handling
No charge
$5.00/each
Counter Checks
$1.00/check
$0.50/check
Wire Transfers – Incoming (Domestic)
$15.00/each
$15.00/each
Wire Transfers – Outgoing (Domestic)
$25.00/each (Consumer)
$25.00/each (Business)
$20.00/each (Consumer)
$26.00/each (Business)
$50.00 (in or out)
$50.00 (in or out)
YCB Fees
WesBanco Fees
as of November 5, 2016
$2 per item after four (4)
$15 per item after six (6)
—
$50.00
$25.00
$50.00
—
$10.00 (transfer to WesBanco checking or
savings at no charge)
Dormant Checking Accounts
No activity (deposit or withdrawal) for 12 months
$10/mo. (Balances < $10,000)
$5/mo. (Balances < $1,000)
Dormant Savings Accounts
No activity (deposit or withdrawal) for 24 months
$10/mo. (Balances < $10,000)
$5/mo. (Balances < $1,000)
Dormant Money Market Accounts
No activity (deposit or withdrawal) for 24 months
$10/mo. (Balances < $10,000)
$5/mo. (Balances < $1,000)
No charge
No charge
$25.00
$25.00
Schedule of Fees
Overdraft Charge (per debit)
Collection Charge if overdraft is not
covered by a certain number of days
Contact Information
Thanks for getting to know WesBanco
We feel strongly that our acquisition of Your Community Bank and its 33 financial centers means only
good things for our customers. And now that you know about our services and products, we hope that
you look forward to banking with us as much as we look forward to serving you.
As we continue to grow, we assure you that we won’t lose sight of our customer-focused philosophy that
has helped us get to where we are today. We encourage you to get to know WesBanco better.
We pledge to serve your financial needs beyond expectation and officially welcome you to the WesBanco
community on November 5, 2016.
Returned Deposited Item (Initial return)
Charge Back Fee
Charged Off Account
Stop Payments (per request)
Statement Reconciliation
Statement Research
CD-ROM with Images
ATM Fees
Charge for non-WesBanco branded or STARsf/Allpoint
Network or YCB branded or Freedom ATM Alliance or
Select-a-Branch ATM Network Machines
Replacement ATM Card
Checks Printed by Unapproved Vendor
Check Copies (over 3)
This Welcome Guide provides an overview of what WesBanco has to offer. To learn more about any of our
products and services, visit our website at www.wesbanco.com.
International Wires
Account Inactivity/Dormant Fees/Other
You can also call us at 1-800-905-9043 or stop by any banking center and meet with us.
Contact information for the WesBanco headquarters:
WesBanco, Inc.
1 Bank Plaza
Wheeling, WV 26003
304-234-9000 1-800-905-9043
WesBanco Bank, Inc. is a Member FDIC.
Savings Pre-Authorized transfers/statement cycle
IRA Fees - Closing IRA (whole plan) within 90 days
External IRA transfer prior to maturity
Automatic IRA Distribution Check
Dormant Minor Savings and School Savings Accounts
No activity (deposit or withdrawal) for 24 months
(account holders under 18 yrs old)
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WesBanco
Account Closing Fee (within first 90 days)
* An Overdraft or Nonsufficient Funds Fee can be created by check, in-person withdrawal, ATM withdrawal, debit card transaction, preauthorized automatic
debit, telephone-initiated transfer or other electronic means.
Time Deposit Change in Terms Notice
We are excited to welcome you to WesBanco. This notice is to advise you that on November 5, 2016,
your Your Community Bank Certificate of Deposit (time deposit account) will be transferred to WesBanco
Bank, Inc. There will be no changes to the terms of your current certificate until it matures at WesBanco.
If your time deposit renews prior to November 5th, we will apply Your Community Bank’s terms and
agreement until it matures at WesBanco. If your time deposit renews after November 4, 2016, you will
have 10 days to redeem the account without penalty.
After that grace period, your account will be renewed for another term and will be subject to WesBanco’s
terms and agreement.
Please be advised that the interest rate and annual percentage yield on a renewed time deposit with
WesBanco will be determined at the time of renewal, subject to market conditions. You may obtain the
new interest rate on your time deposit by contacting your local WesBanco Banking Center on or after the
maturity date.
At the time of automatic renewal, some of the features and benefits of your time deposit will change.
Below is a summary of these changes.
Term changes indicated in bold
Your Community Bank Time Deposit
WesBanco Time Deposit
Interest is credited and compounded
daily, monthly, quarterly, or annually
Interest is credited and compounded quarterly
Term (length) of deposit
Same or comparable term
If CD is redeemed during grace period,
interest is paid from the date of maturity
to date of redemption
If CD is redeemed during grace period, no
interest is paid from the date of maturity to
date of redemption
Interest payments can be credited to the time
deposit, transferred to a WesBanco Checking or
Savings, or paid by check (no charge)
If your interest payment amount was being transferred to another
financial institution, WesBanco will issue an interest check to you at
no charge.
If you have any other questions or concerns regarding your certificate,
please contact your local WesBanco Banking Center after November 4,
2016. Our personal bankers look forward to serving you.
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Welcomeguide
23
Please note: The differences from your current account
disclosures are highlighted in bold italics on pages 24-31.
continued
IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT
Substitute Checks and Your Rights
Consumer Deposit Account Agreement
Consumer Deposit Account Agreement
What is a substitute check?
To make check processing faster, federal law permits banks to replace
original checks with “substitute checks.” These checks are similar in size
to original checks with a slightly reduced image of the front and back
of the original check. The front of a substitute check states: “This is a
legal copy of your check. You can use it the same way you would use the
original check.” You may use a substitute check as proof of payment just
like the original check.
Terms.
In this agreement ‘you,’ ‘your,’ and ‘yours’ mean Depositor individually
(jointly and severally if more than one). ‘We,’ ‘our,’ ‘ours,’ and ‘us’ mean
WESBANCO BANK INC. Unless the context clearly requires otherwise,
a singular term includes the plural and vice versa, and a word of one
gender includes the other. ‘Item’ is any check, draft, or order for the
payment of money, oral or written, in electronic or other form. ‘Business
day’ is any day we are open for carrying on substantially all of our
banking business other than Saturday, Sunday, or Federal Reserve Bank
holiday. ‘Such as’ means the terms that follow are merely examples and
are not intended to limit the possibilities. ‘This agreement’ means this
document and any of the following, periodically amended, that we give
you: disclosures; such as Truth in Savings and electronic fund transfers;
fee schedule(s); the signature card; and any agreement for banking
services connected with this account.
Subaccounts.
If the account is a demand deposit account or a negotiable order of
withdrawal (NOW) account, it will be a master account consisting
of two subaccounts: a transaction subaccount and a nontransaction
subaccount. The two subaccounts and the transactions between them
are for the purpose of improving our efficiency and have no effect
on your account or your ability to use it. The amount of interest you
earn, the fees you incur, and your periodic account statements are not
affected. We will maintain information on the two subaccounts for
regulatory reporting purposes only. All statements will consolidate the
two subaccounts into the master account and show it as a single account.
At the beginning of each statement period, we will allocate the balance
in the master account between the two subaccounts based on formulae
we can periodically change. All your items will be posted against the
transaction subaccount. If additional funds are needed, we automatically
(without charge) transfer available funds from the nontransaction
subaccount. If excess funds accumulate in the transaction subaccount,
we can transfer them to the nontransaction subaccount (again, without
charge). Federal regulations limit preauthorized transfers from the
nontransaction to the transaction subaccount to six per monthly
statement period. In the sixth transfer in such a period, we move the
entire balance in the nontransaction subaccount to the transaction
subaccount for the remainder of that statement period. The full
collected balance in both subaccounts will be available at all times to
pay your items.
Some or all of the checks that you receive back from us may be substitute
checks. This notice describes rights you have when you receive substitute
checks from us. The rights in this notice do not apply to original checks
or to electronic debits to your account. However, you have rights under
other laws with respect to those transactions.
What are my rights regarding substitute checks?
In certain cases, federal law provides a special procedure that allows
you to request a refund for losses you suffer if a substitute check is
posted to your account (for example, if you think that we withdrew the
wrong amount from your account or that we withdrew money from
your account more than once for the same check). The losses you may
attempt to recover under this procedure may include the amount that
was withdrawn from your account and fees that were charged as a result
of the withdrawal (for example, bounced check fees).
The amount of your refund under this procedure is limited to the
amount of your loss or the amount of the substitute check, whichever is
less. You also are entitled to interest on the amount of your refund if your
account is an interest-bearing account. If your loss exceeds the amount
of the substitute check, you may be able to recover additional amounts
under other law.
If you use this procedure, you may receive up to $2,500 of your refund
(plus interest if your account earns interest) within 10 business days after
we received your claim and the remainder of your refund (plus interest
if your account earns interest) not later than 45 calendar days after we
received your claim.
We may reverse the refund (including any interest on the refund) if we
later are able to demonstrate that the substitute check was correctly
posted to your account.
How do I make a claim for a refund?
If you believe that you have suffered a loss relating to a substitute
check that you received and that was posted to your account, please
contact us at 800-905-9043 ext. 9396 or write us at WESBANCO BANK
INC, Attn: Check Processing, 1 Bank Plaza, Wheeling, WV 26003. You
must contact us within 40 calendar days of the date that we mailed (or
otherwise delivered by a means to which you agreed) the substitute
check in question or the account statement showing that the substitute
check was posted to your account, whichever is later. We will extend
this time period if you were not able to make a timely claim because of
extraordinary circumstances.
Your claim must include:­
◆
description of why you have suffered a loss (for example, you think the
A
amount withdrawn was incorrect)
◆
An estimate of the amount of your loss
◆
n explanation of why the substitute check you received is insufficient to
A
confirm that you suffered a loss
◆
copy of the substitute check or the following information to help us
A
identify the substitute check: (identifying information, for example the
check number, the name of the person to whom you wrote the check,
the amount of the check).
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WesBanco
Binding Agreement.
You have read this agreement and understand it is binding between you
and us for a deposit account (‘the account’).
Multiple Owners.
If there are multiple owners, each owner may do anything permitted
with the account, such as: endorse items for deposit or collection, even if
payable to another owner; pledge it as collateral for any obligation; move
funds by check or other means; close it; authorize others to conduct
transactions on it; and give instructions for transfers, stop payments,
and all other matters relating to it. (No owner may cancel a stop payment
entered by another owner.) Each owner appoints each other owner as
attorney-in-fact to endorse and cash items. A notice sent to one owner
is effective for all. You guarantee the signature of each owner. You will be
responsible for any liability, such as an overdraft, a fee, or a refund to the
government of a direct deposit, even though caused by another owner.
Unless noted otherwise on the signature card, the account is owned
jointly with right of survivorship and not as tenants in common. If one
owner dies, we treat the survivor(s) as owner(s) of the full balance. If
noted on the signature card that ownership is as tenants in common or
without survivorship, we treat the survivor(s) and personal representative
of the deceased as owners. Their shares will be equal unless we have
agreed otherwise in writing. Only a married couple may own the account
as tenants by the entirety, and only if noted on the signature card.
If one spouse dies, we treat the survivor as sole owner. If the couple
divorces, we treat them as owners jointly with right of survivorship. You
will notify us immediately after you learn of the death or declaration of
incompetence of any co-owner.
Notice To Joint Account Holders.
This provision does not apply to joint accounts if the signatures of all
the account owners are required to make a withdrawal.
This joint account is payable in both your name ‘or’ in the name of
the other person(s) listed on the account (Example ‘Mr. Smith or
Mrs. Smith’). Please be advised and forewarned that:
All the money in this joint account may be withdrawn by anyone
named on this account; or may be pledged as security for a loan or
debt by anyone named on the account. UNLESS, prior written notice
is given to the bank not to permit it.
◆ ◆
Despite any notification to the bank, the bank may pay the entire
account balance to a creditor or other legal claimant pursuant to
legal process.
‘In Trust For’ Terms.
If the account is noted on the signature card as ‘ITF’ or ‘in trust for,’
you agree that at your death (or, if more than one owner, at the death
of the last survivor) ownership passes to the designated beneficiary/
beneficiaries. You have not given us notice of the existence nor terms
of a legal and valid trust other than the ‘in trust for’ description on the
signature card.
P.O.D. Terms.
If the account is noted on the signature card as ‘P.O.D.’ or ‘pay-on-death,’
you agree that at your death (or, if more than one owner, at the death
of the last survivor) ownership passes to the designated pay-on-death
beneficiary/beneficiaries. No beneficiary will have any rights until all
owners have died. If an owner pledges the account as collateral for an
obligation, the pledge prevails over any rights of any beneficiary. If
more than one beneficiary is designated they shall share equally unless
otherwise noted on the account. If a beneficiary predeceases the account
owner, his or her interest shall immediately terminate and the percentage
share of the surviving beneficiaries shall be increased on a pro rata basis.
UTMA Accounts.
If the account is noted on the signature card as established under the
Uniform Transfers to Minors Act (UTMA), you understand that there
can be only one custodian and one minor per account. No other parties
are permitted. Your responsibility to us under this agreement will not be
limited to the amount in the account.
Account Type.
The account type is noted on the signature card and Truth in Savings
disclosure. If a savings, NOW, or Money Market account, we reserve the
right to require seven days’ written notice before any withdrawal. If a
negotiable order of withdrawal (NOW) account, if any entity not allowed
by federal regulations to have such an account becomes an owner, we
will convert the account into a checking or savings account. If a Holiday
Club account, we will send you a check for the balance or we will deposit
the balance into an account you have with us in October each year unless
otherwise directed. We have given you disclosures explaining applicable
transaction limits, fees, interest rates, and balance requirements. You
agree that our fees and charges need not be based upon the cost of
providing the service or administering the event to which the fee or
charge is associated, but may be based on other considerations such
as the expense of providing account services, generally similar charges
of other financial institutions with which we compete, revenues to the
bank, and the deterrence of abuse of an account.
Severability.
If the courts determine that any part of this agreement is illegal or
unenforceable, you agree that the remainder will be enforced and the
offending provision changed to make it enforceable.
Law, Jurisdiction, and Venue.
The laws of West Virginia govern this agreement. The courts of that state
have jurisdiction of any dispute in connection with this agreement. You
agree that venue will be proper in the courts in the county and city of our
office where you signed or delivered this agreement.
Waiver of Jury Trial.
You waive your right to a jury trial in any dispute with us. Such disputes
may be tried before a judge only.
Waiver of Class Actions.
You agree that the transactions of each depositor of this bank arises
from a unique relationship between the bank and its depositor such that
damages that may arise as a result of a violation or alleged violation of
this agreement or the laws and regulations governing this agreement are
not the same for all depositors and therefore not appropriate for class
action treatment. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS
ACTION AGAINST THIS BANK EITHER AS A MEMBER OF A PUTATIVE
CLASS OR AS LEAD PLAINTIFF IN ANY DISPUTE AGAINST THE BANK.
Arbitration.
You or we may require that any controversy or claim relating to this
agreement, or breach of it, be resolved through arbitration administered
by the American Arbitration Association under its commercial rules.
Judgment on any award rendered by the arbitrator may be entered in any
court having jurisdiction.
Changes.
We may change any term of this agreement by giving you notice as
required by law. If the law does not require a particular type or period of
notice, we can post the change in our lobby or other public area for five
days before it takes effect. If you use the account after the effective date
of a change, that indicates your acceptance of the change.
Account Closing.
You or we may close the account at any time without cause. We may close
it without notice to you if we reasonably believe it will prevent loss to
us or you have violated this agreement. You will pay any fees and costs
for closing the account, as well as any outstanding items. Our rights and
your obligations survive any closing of the account or cancellation of this
agreement. You will not claim we wrongfully dishonored items we return
unpaid on or after the day the account was closed.
Welcomeguide
25
continued
Consumer Deposit Account Agreement
Notices.
We can send you communication at the last address you gave us
in writing. You will send us communication at our address in this
agreement. The postmark or postage meter date, except where this
agreement requires that something be ‘actually received,’ determines
when communication occurred. You will notify us immediately of
any change in your name, address, telephone number, or taxpayer
identification number.
No Assignment.
You understand that neither the account nor your rights under this
agreement can be assigned without our written permission. Your
successors and assigns are bound by this agreement. Any actual or
purported assignment of the account remains subject to our right of setoff.
Expenses.
You will pay any expenses we incur in good faith related to this
agreement, such as fees on items sent for collection, foreign exchange
charges, and unreimbursed research and copying fees when someone
requires records about our relationship, and attorneys’ fees we incur
in good faith because of concerns about the account, whether or
not litigation has begun, including such fees through trial and all
appeals, plus court costs. You also agree to pay any expense that we
incur, including attorneys’ fees in responding to any subpoena, writ,
government agency or judicial order, search warrant, or other order
which we may be required to respond to regarding your account or your
relationship with us.
Indemnification.
You will indemnify us against, and hold us harmless from, any and all
losses, damages, costs, and attorney fees that we incur because of your
failure to abide by any of the terms of this agreement.
No Waiver.
Failure to insist on your strict performance of any obligation under this
agreement will not create any duty on our part to continue to do so. You
will not claim that we waived our right to insist on proper performance.
Our Rights.
You agree that our rights under this agreement are cumulative, not
exclusive. We may exercise any of them without giving up the right to
exercise others.
Recording.
You give us permission to record your communications with us. If you
authorize someone to do business with us on your behalf, such as by
power of attorney, you will be responsible for obtaining their permission
to our recording their communications with us.
Setoff.
You grant us the right to apply the balance to payment of any debt
that any owner of the account owes us, without notice including direct
obligations, such as cashed items charged back, promissory notes
and agreements (including this one), and indirect obligations, such as
guarantees and endorsements. The right of setoff does not apply to this
account if it is an IRA or other tax-deferred retirement account. You
understand that we can pay items into overdraft, impose overdraft fees,
and apply any later deposits (including direct deposits of Social Security
or other government benefits) to those overdraft fees.
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WesBanco
Legal Process.
If any owner or authorized signer is ever involved in a legal proceeding,
such as divorce, garnishment, levy, or attachment, you will not hold
us responsible for any damage you suffer from our actions in good
faith reliance on any order or other legal process. Any garnishment,
levy, or attachment is subject to our right of setoff. If a bankruptcy or
similar proceeding is filed by or against any owner, we can place an
administrative hold on part or all of the balance while we seek to have
the automatic stay lifted.
No Activity.
You understand that if you do not generate any transactions for 365
days, we may charge dormancy fees unless specifically forbidden by law.
You understand that if the lack of activity continues for the period set by
abandoned property law, we will pay the balance to the state.
Authority.
You will not grant anyone authority to conduct business with us on
your behalf until we have reviewed the terms of authorization and have
given you written acceptance. This includes authority such as power of
attorney, bill-paying arrangement, or other method. You will not claim
that we wrongfully dishonored items presented to us before we accepted
the authorization. If you have not given us the proposed authorization
for advance review, we may, in good faith, honor items and instructions
from the person you authorized. You will not hold us responsible if
someone you authorized to do business with us misapplies your money.
You assume all risk of improper acts by such person. We can consider
an authorization valid until we actually receive written revocation of it
and have had reasonable time to review and act upon it. If we accept an
authority, we may revoke our acceptance of that authority at any time at
our discretion. If you voluntarily disclose information about the account
that would permit someone to initiate a debit to the account (such as
account number, bank routing number, and next unused check number)
to someone who wants to sell you goods or services, then you will be
deemed to have authorized us to pay any debit to your account that
person initiates.
Telemarketers.
Telemarketers and others trying to sell you goods or services may ask
for information about your account, such as your account number, next
unused check number, or our routing number. If you give any of that
information to such a person, you agree that we may treat any debit to
your account initiated by that person as having been authorized by you.
Checks.
You will not write a postdated check without giving us written notice,
describing the check with reasonable certainty, at least five business
days before you write the check. If you do not give us notice, we can
pay the check when it reaches us, regardless of the date. You will use
only approved checks and deposit slips. You will not attempt to create
a ‘substitute check’ for deposit into the account without obtaining our
express written consent in advance. You will not write a check using
ink of a color or type that is not legible when imaged or copied. You
will not deposit any check that was written in such ink, or that has any
other features that would prevent it from being imaged or copied clearly
and completely. You will verify your name, address, telephone, and the
numbers in the magnetic ink character line across the bottom of the face
of each document in each order of checks and deposit slips. If there is
an error, you will not use the affected documents, but will notify us and
the printer immediately. You will not hold us responsible for any amount
beyond the replacement cost of the order (provided the checks were
ordered through us). If we safekeep your cancelled checks and other
items, we can destroy the originals and keep electronic or other images
after a reasonable time has elapsed. We can destroy the images after a
further reasonable time. Our sending you your statement or making it
available will be the same for all purposes as though we had included the
cancelled checks and other items with the statement.
Order of Payment.
In determining if an account is overdrawn, we sort items for processing
first by transaction type in the following order: debit memos and
telephone transfers, ATM, PIN-based debit card transactions, signaturebased debit card transactions, pre-authorized debit transactions, bill
pay transactions, other electronic transactions, and then paper-based
checks or drafts. After sorting by transaction type, all transaction
types, except for paper based checks or drafts, are then processed in a
low to high dollar amount order. Within check and draft transaction
types, items are processed by check number order, first for transactions
initiated at bank offices and then for other paper-based items.
Examination of Items.
You do not require us to comply with any restrictive legend on any item,
such as, ‘void if not cashed within 90 days,’ ‘payment in full,’ or any other
marking that is not one of the following: drawee bank name and location,
payee name, endorser name, drawer signature, and the magnetic ink
characters across the bottom front of the item. You will not hold us
responsible for any item’s late return caused by an endorsement stamp
or other marking outside the area allowed for it by law. You will not claim
that we failed to exercise ordinary care because our procedures do not
require sight examination of each item with an amount below a figure we
set periodically.
Signatures to Come.
If you have asked us to create the account for multiple owners or
authorized signers, we can limit use of the account until all have signed.
Laws, Regulations.
We are subject to extremely detailed laws and regulations. You will not
hold us liable for anything we do or decline to do based on a good faith
belief that it is required by law or regulation. Some laws allow parties to
‘contract out’ of the law’s provisions and establish their own rules. You
intend this agreement to do that whenever a term of this agreement
conflicts with such a law. You will abide by the rules of any clearinghouse
or automated clearinghouse that handles any part of a transaction.
Liability Limit.
You will not hold us responsible for loss caused by an event beyond
our control, such as war, terrorism, riot, labor trouble, natural disaster,
computer problem, loss of electric power, communications, or transport.
If we do not process a transaction in accordance with the terms of this
agreement, our maximum liability shall be the amount of the transaction.
In no circumstances will we be responsible for consequential damages
for any action that we take or fail to take in regard to the account.
Deposited Items.
You understand all deposits are subject to verification and correction.
We can accept an item for deposit or collection only, refuse it, or return
it. In receiving items, we are acting only as your agent. We have no
responsibility beyond ordinary care. You will not hold us responsible for
default or negligence of our correspondents or loss of items in transit.
Each correspondent we use will be liable only for its own negligence. If
we give you credit for an item, we can revoke it if the item is not paid.
Items deposited by mail will not be considered received by us until we
actually receive them. You will not hold us responsible for loss of any
item until we have received it under this standard. If an item requiring
endorsement is deposited without it, you authorize but do not require us
to supply it. You will reimburse us for loss or expense we incur because
of any missing endorsement, whether yours or another’s, on a deposited
item. We do not have to notify you of any nonrecurring ACH credits or
wire transfers to the account.
Automated Clearing House Transactions.
Credit given by us to you with respect to an automated clearing house
“ACH” credit entry is provisional until we receive final settlement for
such entry through a Federal Reserve Bank. If we do not receive such
final settlement you are hereby notified and agree that we are entitled to
a refund of the amount credited to you in connection with such entry,
and the party making payment to you via such entry (i.e. the originator
of the entry) shall not be deemed to have paid you in the amount of such
entry. Under the operating rules of the National Automated Clearing
House Association, which are applicable to ACH transactions involving
your account, we are not required to give next day notice to you of
receipt of an ACH item and we will not do so. However, we will continue
to notify you of the receipt of payment in the periodic statement we
provide you. We may accept on your behalf payments to your account
which have been transmitted through one or more Automated Clearing
Houses “ACH” and which are not subject to the Electronic Fund Transfer
Act and your rights and obligations with respect to such payments shall
be construed in accordance with and governed by the laws of the state
of New York, unless we have otherwise specified in a separate agreement
with you that the law of some other state shall govern.
Foreign Items.
If an item that is payable at a foreign bank or in a foreign currency is
deposited, you will be responsible for all collection charges and exchange
rate risk on it. You understand that we will not credit that kind of deposit
until receiving the proceeds in United States currency.
Returned Items.
We can charge for the amount of any deposited item that is returned
unpaid. We can reprocess the item, but you do not require it. We can
process a copy, electronic entry, or other evidence of the returned item.
You waive presentment, notice of dishonor, and protest.
‘Stale’ Items.
We can pay an item presented to us more than six months after the date
on the item, but you do not require it. If you do not want us to pay such
an item, you will place a stop payment on it.
Stop Payments.
If you want us to stop payment on a check, you will provide the check
number, date, payee name, and exact amount. You understand that
if either the check number or the amount is not exact, our check
processing equipment may not catch the check in time; you will not hold
us responsible. If you telephone your stop payment, you will confirm it in
writing on our form within 14 days. We will have a reasonable time to act
on any stop payment. You understand that a stop payment expires in six
months. You will place a new stop payment if you do not want us to pay
the check after the previous one expires.
Bank Statements.
You will promptly examine and reconcile each statement we send or
make available. You will 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 aforementioned, if you fail to report any problem
Welcomeguide
27
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.
Overdrafts.
We do not have to let you overdraw the account. If we ever do, that does
not mean we must continue to do so. You do not expect any notice of an
overdraft beyond any normal periodic statement.
Credit Reports.
You authorize us to obtain reports about you periodically from
organizations such as consumer reporting agencies, check reporting
services, and other credit reporting entities, and to provide them
information.
Incomplete Items.
If an authorized signer signs a check or authorizes any item that is not
completed, you will not hold us responsible for paying it as completed
by anyone unless we actually know it was completed in an unauthorized
way.
Disputed Authority.
If anyone claims ownership over funds, and we have a good faith doubt
about whether to recognize the claim, we can hold some or all of the
balance until the claim is resolved. We can pay some or all of the balance
into court in an interpleader or other action to determine ownership. You
will not claim that we wrongfully dishonored items that were presented
to us while such a dispute was pending.
Other Services.
If you want services from us that are not covered by this agreement, you
will sign an agreement with us for those services.
Cashing Your Checks.
Before we allow a person to cash an item, we can require identification,
such as a driver’s license or passport. We can secure further identification
by methods such as photography, fingerprinting, and other biometric
or technological means. If the person does not provide or permit such
identification, we can decline to cash the item and you will not claim that
we wrongfully dishonored it.
Dual Signature Accounts.
If you require dual signatures, or more than two signatures, on your
account, it is your responsibility to monitor, enforce and control such
requirements as an internal control. The Bank will not examine items to
monitor or enforce dual signature, or multiple signature, requirements
for you and the signature of any authorized signer constitutes the
authorized signer of an organization or individual for purposes of this
account agreement for items drawn on the account.
Regulation CC Initial Disclosure
Electronic Funds Transfer Initial Disclosure
Your Ability to Withdraw Funds.
Our policy is to make funds from your cash and check deposits
available to you on the first business day after the day we receive your
deposit. Electronic direct deposits will be available on the day we receive
the deposit. Once they are available, you can withdraw the funds in cash
and we will use the funds to pay checks that you have written.
Consumer’s Liability.
You will tell us AT ONCE if you believe your card or code has been lost
or stolen, or if you believe that an electronic fund transfer has been
made without your permission using information from your check.
Telephoning us is the best way of keeping your possible losses down. You
could lose all the money in your account (plus your maximum overdraft
line of credit). If you tell us within two business days after you learn of
the loss or theft of your card or code, you can lose no more than $50 if
someone used your card or code without your permission.
For determining the availability of your deposits, every day is a business
day, except Saturdays, Sundays, and federal holidays. If you make a
deposit before 12 NOON at an Automated Teller Machine, on a business
day that we are open, we will consider that day to be the day of your
deposit. However, if you make a deposit after 12 NOON at an Automated
Teller Machine, or on a day we are not open, we will consider that the
deposit was made on the next business day we are open.
Longer Delays May Apply.
In some cases, we will not make all of the funds that you deposit by
check available to you on the first business day after the day of your
deposit. Depending on the type of check that you deposit, funds may not
be available until the second business day after the day of your deposit.
The first $200 of your deposits, however, may be available on the first
business day.
If we are not going to make all of the funds from your deposit available
on the first business day, we will notify you at the time you make your
deposit. We will also tell you when the funds will be available. If your
deposit is not made directly to one of our employees, or if we decide to
take this action after you have left the premises, we will mail you the
notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us
when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer
period under the following circumstances:
◆
We believe a check you deposit will not be paid.
◆
You deposit checks totaling more than $5,000 on any one day.
◆
You redeposit a check that has been returned unpaid.
◆
You have overdrawn your account repeatedly in the last six months.
◆
here is an emergency, such as failure of computer or communications
T
equipment.
We will notify you if we delay your ability to withdraw funds for any of
these reasons, and we will tell you when the funds will be available. They
will generally be available no later than the fifth business day after the
day of your deposit.
Special Rules for New Accounts.
If you are a new customer, the following special rules will apply during
the first 30 days your account is open.
Funds from electronic direct deposits to your account will be available
on the day we receive the deposit. Funds from deposits of cash, wire
transfers, and the first $5,000 of a day’s total deposits of cashier’s,
certified, teller’s, traveler’s, and federal, state and local government
checks will be available on the first business day after the day of your
deposit if the deposit meets certain conditions. For example, the checks
must be payable to you (and you may have to use a special deposit slip).
The excess over $5,000 will be available on the ninth business day after
the day of your deposit. If your deposit of these checks (other than a U.S.
Treasury check) is not made in person to one of our employees, the first
$5,000 will not be available until the second business day after the day of
your deposit.
Funds from all other check deposits will be available on the ninth
business day after the day of your deposit.
28
WesBanco
If you do NOT tell us within two business days after you learn of the loss
or theft of your card or code and we can prove we could have stopped
someone from using your card or code without your permission if you
had told us, you could lose as much as $500.00.
Limitation of Liability for Unauthorized Visa branded card transactions.
You will not be liable for unauthorized charges made with your account
or account information. Tell us AT ONCE if you believe your WesBanco
Money Card® has been lost, stolen or fraudulently used online or offline
or of any unauthorized transactions. Your liability for unauthorized
WesBanco Money Card® transactions that take place on the Visa system
is zero dollars ($0.00). We may require you to provide a written statement
regarding claims of unauthorized WesBanco Money Card® transactions.
With respect to unauthorized transactions, these limits may be exceeded
to the extent allowed under applicable law (see CONSUMER’S LIABILITY
paragraph) only if we determine that you were grossly negligent or
fraudulent in the handling of your account or WesBanco Money Card®.
Visa’s Zero Liability Policy does not apply to Visa corporate or Visa
purchasing card or account transactions, or any transactions that are not
processed by Visa.
Also, if your statement shows transfers that you did not make, including
those made by card, code or other means, you will tell us at once. If you
do not tell us within 60 days after each statement we provide or made
available to you, you may not get back any money that you lost after the
60 days if we can prove that we could have stopped someone from taking
the money if you had told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from
telling us, we will extend the time periods.
When you use an ATM not owned by us, you may be charged a fee by the
ATM operator or any network used (and you may be charged a fee for a
balance inquiry even if you do not complete a fund transfer).
Contact in Event of Unauthorized Transfer.
If you believe your card or code has been lost or stolen or that someone
has transferred or may transfer money from your account without your
permission, you will call (800) 905-9043 or write WESBANCO BANK INC,
Electronic Banking Department, 1 Bank Plaza, Wheeling, WV 26003.
You should also call the number or write to the address listed above if you
believe a transfer has been made using the information from your check
without your permission.
Business Days.
For purposes of these disclosures, our business days are Monday,
Tuesday, Wednesday, Thursday, and Friday. Federal Holidays are
not included.
Types of Transfers.
You may authorize certain direct deposits to your checking or savings
account. You may authorize certain bills and other payments to be
deducted from your checking or savings accounts. A merchant may
convert your check in payment for merchandise or services into an
electronic funds transfer from your account.
You may use your card or code to:
◆
Make deposits to your checking and savings accounts.
◆
Pay for purchases at places that have agreed to accept the card or code.
◆
Transfer funds between your checking and savings accounts.
◆
Withdraw cash from your checking and savings accounts.
◆
se our Internet banking service to pay bills from your checking account
U
OR use our WesBancoLine to transfer funds between your checking and
savings or to make a WesBanco loan payment from your checking or
savings account (optional services).
◆
LEASE NOTE: If using your WesBanco Money Card®, deposits to
P
your checking or savings account may only be made at a WesBanco
owned ATM.
Some of these services may not be available at all terminals.
Electronic Check Conversion.
You may authorize a merchant or other payee to make a one-time
electronic payment from your checking account using information from
your check to:
◆
Pay for purchases
◆
Pay bills
Limitations on Frequency of Transfers:
◆
ou can make no more than six preauthorized withdrawals, automatic or
Y
telephonic transfers, checks or similar order from a Money Market Account
per month or statement cycle.
Limitations on Dollar Amounts of Transfers:
◆
ou can buy up to $3,000.00 worth of goods or services each day by
Y
using the card or code in our point-of-sale transfer service.
◆
ou can withdraw up to $305.00 from our terminals using your card or
Y
code each day.
◆
If a Premium Savings Account, we reserve the right to limit the total
balance in these accounts to $500,000.00 per customer.
Fees:
◆
If you conduct a transaction involving only U.S. dollars with the ATM/
Debit card in a country outside of the United States of America, Puerto
Rico or the U.S. Virgin Islands, there will be a transaction fee of 0.8% of
the transaction amount that will appear on your monthly statement.
◆
If you conduct a transaction involving multiple currencies with the ATM/
Debit card in a country outside of the United States of America, Puerto
Rico or the U.S. Virgin Islands, there will be a transaction fee of 1.0% of
the transaction amount that will appear on your monthly statement.
◆
ou will be charged $15.00 for each Money Market Account transfer in
Y
excess of the limitations stated above.
◆
See separate Schedule of Fees for additional fees that may apply.
Confidentiality.
We will disclose information to third parties about your account
or the transfers you make:
◆
Where it is necessary for completing transfers, or
◆
In order to verify the existence and condition of your account for
a third party such as a credit bureau or merchant, or
◆
In order to comply with government agency or court orders, or
◆
If you give us written permission.
Documentation:
Terminal Transfers.You can get a receipt at the time you make any
transfer that exceeds $15.00 to or from your account using one of our
point-of-sale terminals.
Welcomeguide
29
Safe Deposit Box Lease, Rules and Regulations
Preauthorized Credits. If you have arranged to have direct deposits made
to your account at least once every 60 days from the same person or
company you can call us at (800) 905-9043 to find out whether the deposit
has been made.
Periodic Statements. You will get a monthly account statement unless
there are no electronic transfers in a particular month. In any case, you
will get the statement at least quarterly. You will not receive a periodic
statement if your account is a passbook account. Present your passbook
and we will record any electronic deposits to your account.
Preauthorized Payments:
Stop Payments. If you have told us in advance to make regular payments
out of your account, you can stop any of these payments. Here is how: call
us at (800) 905-9043 or write us at WESBANCO BANK INC, 1 Bank Plaza,
Wheeling, WV 26003, in time for us to receive your request three business
days or more before the payment is scheduled to be made. If you call, we can
also require you to put your request in writing and get it to us within 14 days
after your call. We will charge you $35.00 for each stop payment order you
give us.
Notice of Varying Amounts. If these regular payments may vary in amount, the
person you are going to pay will tell you, 10 days before each payment, when
it will be made and how much it will be. (You may choose instead to get this
notice only when the payment would differ by more than a certain amount from
the previous payment, or when the amount would fall outside certain limits that
you set.)
Liability for Failure to Stop Payment of Preauthorized Transfer. If you order
us to stop one of these payments three business days or more before the
transfer is scheduled, and we do not do so, we will be liable for your losses
or damages.
Financial Institution’s Liability.
If we do not complete a transfer to or from your account on time, or in the
correct amount according to your agreement with us, we will be liable for your
losses or damages. However, there are some exceptions. We will not be liable,
for instance:
◆ If,
through no fault of ours, you do not have enough money in your account
to make the transfer.
◆
If the transfer would go over the credit limit on your overdraft line.
If the automated teller machine where you are making the transfer does not have enough cash.
◆
◆
If the terminal or system was not working properly and you knew about the
breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
◆
◆
There may be other exceptions stated in your agreement with us.
In Case of Errors or Questions About Your Electronic Transfers.
You will telephone us at (800) 905-9043 or write us at WESBANCO BANK
INC, 1 Bank Plaza, Wheeling, WV 26003, as soon as you can, if you think
your statement or receipt is wrong or if you need more information
about a transfer listed on the statement or receipt. We must hear from
you no later than 60 days after we sent the FIRST statement on which the
problem or error appeared. You will:
◆
Tell us your name and account number (if any).
Describe the error or the transfer you are unsure about, and explain
as clearly as you can why you believe it is an error or why you need
more information.
◆
◆
Tell us the dollar amount of the suspected error.
30
WesBanco
If you tell us orally, we may require that you send us your complaint or
question in writing within 10 business days.
We will determine whether an error occurred within 10 business days
(5 business days if VISA® Checkcard point-of-sale transaction and 20
business days if new account) after we hear from you and will correct
any error promptly. If we need more time, however, we may take up to
45 days (90 days if point-of-sale transaction, or new account, or a foreign
initiated transfer) to investigate your complaint or question. If we decide
to do this, we will credit your account within 10 business days (5 business
days if VISA® Checkcard point-of-sale transaction and 20 business days
if new account) for the amount you think is in error, so that you will
have the use of the money during the time it takes us to complete our
investigation. If we ask you to put your complaint or question in writing
and we do not receive it within 10 business days, we may not credit your
account. For the purpose of this paragraph, an account is a new account
for a period of 30 days from the date of the first deposit to the account.
We will tell you the results within three business days after completing
our investigation. If we decide that there was no error, we will send you
a written explanation. You may ask for copies of the documents that we
used in our investigation.
Exchange Rate for Foreign Transfers.
If a transfer takes place outside of the United States and is in a foreign
currency, Visa or MasterCard will convert the transfer into U.S. dollars
by using their own currency conversion procedures. The exchange
rate will be determined in one of two ways: (1) the exchange rate will
be selected from the range of rates available in the wholesale currency
markets for the central processing date (which may be different from the
rate received by Visa or MasterCard), or (2) the exchange rate will be a
government-mandated rate in effect for the applicable central processing
date, plus any adjustment determined by the card issuer and disclosed
separately in the fee section of the cardholder agreement. The currency
exchange rate used may differ from the rate in effect when your transfer
occurred or was posted to your account.
This lease is subject to the following rules and regulations:
(1) The vault in which the leased safe deposit box is situated is accessible to
Lessees of safe deposit boxes only during the hours that Lessor is open
for the conduct of its commercial banking business and operations. The
vault will be closed on Sundays, and may be closed on other days, or
during specific periods on other days, as determined and designated by
Lessor.
(2) The contents of a safe deposit box should not be examined in the vault.
The box should be taken to one of the rooms which are available for use
by Lessees, and no box should be left unattended at any time. When
removed from the vault, it is the responsibility of the Lessee to see that the
box is returned thereto, that the lock is properly secured, and that the key
is removed from the lock. No box is to be removed from Lessor’s premises
at any time.
(3) No person, other than Lessee, shall have access to the leased box unless
expressly authorized to enter the said box by written power of attorney
duly executed by Lessee. The right of entry conferred upon the holder of
such power of attorney must be unrestricted, and no power of attorney will
be honored if subject to any conditions or limitations. No such power of
attorney will be honored by Lessor unless the holder presents the same, or
a verified copy thereof, together with a key to the leased box, to Lessor.
(4) The holder of a power of attorney, executed by Lessee, shall be the agent
of Lessee for all purposes, and Lessee agrees to compensate Lessor
for, and to indemnify Lessor against, any loss or damage for which such
holder is responsible. All powers of attorney shall remain in full force and
effect until written notice of the revocation or modification thereof, or, if
Lessee is an individual, actual notice of the death of Lessee, is received by
Lessor.
(13)In the event of any default on the part of Lessee, or of the unauthorized
retention of any safe deposit box or any key thereto, Lessor shall have the
right, without resorting to any court or instituting any legal proceeding,
to enter such box, by drilling or forcing it open by any manner or means,
and to remove the contents therefrom and apply the same, or to sell the
said contents at public or private sale and apply the proceeds thereof, to
the payment and discharge of all debts and obligations owning to, and
expenses incurred by Lessor.
(14)Lessor shall not be under any obligation to inquire into the appointment or
qualification, or to the nature or extent of the authority, of any Lessee who
may be designated or identified as fiduciary or to whom a safe deposit box
may be leased in a fiduciary capacity.
(15)Lessor shall not be liable for any delay or inconvenience that may be
caused by the failure of the vault doors or locks to operate.
(16)Lessor is not an insurer of the safety of the contents of any safe deposit
box, and the responsibility of Lessor to limited to the exercise of due care
to prevent unauthorized access to such box.
(17)This lease may be terminated by Lessor, at any time, by written notice
mailed to Lessee at Lessee’s address as shown on Lessor’s records. In
the event of such termination, Lessee shall vacate the leased box and
surrender possession thereof and the keys thereto, to Lessor, upon the
payment or tender of payment of Lessee of the portion of the rental
allocable to the unexpired portion of the current year for which such rental
has been paid.
(18)Lessor shall have the right, from time to time, and without notice to lessee,
to make such changes in, and modifications to, these rules and regulations
and to promulgate such additions thereto, as Lessor may deem desirable.
(5) Except as hereinafter provided, a safe deposit box leased in the name of
two or more persons is deemed to be under the control of each Co-Lessee
as fully as if it were leased to such Co-Lessee alone. In the absence of
written instructions to the contrary, signed by all Co-Lessees and delivered
to Lessor, any Co-Lessee may have access to the leased box alone, may
surrender possession of such box to Lessor, may appoint attorneys-in-fact
with right of access to such box, and may cancel any such appointment
made by any Co-Lessee.
(6) If Lessee is a corporation, the officers or agents of such corporation who
are authorized to enter the leased box must be designated by resolution
duly adapted by the Board of Directors of the corporation, a verified copy
of which resolution shall be delivered to Lessor.
(7) If a safe deposit box is leased to a partnership, only the members of
the partnership who have signed as Co-Lessees, and other authorized
persons, shall have access to such box.
(8) Lessee shall not use the box, or permit it to be used, for the deposit of
alcoholic beverages, narcotics or any property of an explosive, destructive,
or noxious nature.
(9) Lessor shall be given prompt notice of any change of Lessee’s address.
(10)This lease is personal to Lessee, and shall not be assigned or transferred
at any time. Any attempted assignment or transfer shall result in an
immediate termination of the lease.
(11)The Lessee hereby acknowledges the receipt of two keys to open the
safe deposit box. The Lessor will not retain any keys that will open any
leased safe deposit box. The Lessee is responsible for the safekeeping
of the keys to the box, and agrees to defray the cost of drilling the box
and replacing the lock and keys in the event of the loss of one or more
of the keys.
(12)At the expiration of this lease, Lessee agrees to remove all contents from
the box and surrender the box and the keys thereto to Lessor.
Welcomeguide
31
Does
WesBanco
share?
Can you
limit this
sharing?
For our everyday business purposes –
such as to process your transactions,
maintain your account(s), respond to court
orders and legal investigations, or report to
credit bureaus
Yes
No
For our marketing purposes –
to offer our products and services to you
Yes
Yes
For joint marketing with other financial
companies
Yes
Yes
For our affiliates’ everyday
business purposes –
information about your transactions and
experiences
Yes
No
For our affiliates’ everyday business
purposes –
information about your creditworthiness
No
We don’t
share
For our affiliates to market to you
Yes
Yes
No
We don’t
share
FACTS
WHAT DOES WESBANCO
DO WITH YOUR PERSONAL INFORMATION?
Reasons we can share your
personal information
Why?
Financial companies choose how they share your personal
information. Federal law gives consumers the right to limit some
but not all sharing. Federal law also requires us to tell you how we
collect, share, and protect your personal information. Please read
this notice carefully to understand what we do.
What?
How?
The types of personal information we collect and share depend
on the product or service you have with us. This information can
include:
■■
Social Security number and income
■■
Assets and account balances
■■
Payment history and credit history
All financial companies need to share customer personal
information to run their everyday business. In the section below,
we list the reasons financial companies can share their customer
personal information; the reasons WesBanco chooses to share; and
whether you can limit this sharing.
For nonaffiliates to market to you
Who we are
Who is providing this notice?
WesBanco Bank, Inc., WesBanco Securities, Inc., WesBanco Insurance Services, Inc., and WesMark Funds
Definitions
What we do
How does WesBanco protect my
personal information?
To protect your personal information from unauthorized access and
use, we use security measures that comply with federal law. These
measures include computer safeguards and secured files and buildings.
How does WesBanco collect my
personal information?
We collect your personal information, for example, when you
■■
Open an account or apply for a loan
■■
Give us your contact information or give us your income
information
■■
Provide identifying information
Affiliates
■■
Nonaffiliates
We also collect your personal information from others, such as credit
bureaus, affiliates, or other companies.
Why can’t I limit all sharing?
Federal law gives you the right to limit only
■■ sharing for affiliates’ everyday business purposes — information
about your creditworthiness
■■
affiliates from using your information to market to you
■■
sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to
limit sharing.
What happens when I limit sharing
for an account I hold jointly with
someone else?
Companies related by common ownership or
control. They can be financial and
nonfinancial companies.
Companies not related by common ownership
or control. They can be financial
and nonfinancial companies.
■■
Joint
marketing
Your choices will apply to everyone on your account — unless you tell
us otherwise.
Our affiliates include companies with
a WesBanco name and investment
companies such as WesMark Funds.
WesBanco does not share with
nonaffiliates so they can market to you.
A formal agreement between nonaffiliated
financial companies that together market
financial products or services to you.
■■
Our joint marketing partners include
credit card companies.
To limit
our sharing
Mail the form below
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our
customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call 1-800-905-9043
Mail-in Form
If you have a joint
account, your
choice(s) will
apply to everyone
on your account
unless you mark
below.
rr Apply my
choices only to
me.
Revised 1/2011
Mark any/all you want to limit:
rr Do not use my personal information to market to me.
rr Do not share my personal information with other financial institutions to jointly market to me.
rr Do not allow your affiliates to use my personal information to market to me.
Name
Address
City, State, Zip
Account #(s)
Mail to:
WesBanco
Attn: Bank Operations
1 Bank Plaza
Wheeling, WV 26003
Welcomeguide
33
thank you.
Want to know more about WesBanco? Give us a call at
1-800-905-9043 or visit www.wesbanco.com to find the
nearest banking center location.
Photos courtesy of Brett Hait, Michael Hatfield, Bruce Morris, Kenny Rambo, Jeff Rogers
and Louisville Slugger Museum & Factory.
WesBanco Bank, Inc. is a Member FDIC.