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Nestled in the scenic Appalachian Mountains, West Virginia combines small-town charm with a solid network of banks and credit unions. The state offers dependable banking options that meet a range of personal and business needs.
Whether you’re opening a checking account, saving for the future, or looking for business support, the right bank can make all the difference.
10 Best Banks in West Virginia
We’ve highlighted the top choices based on customer service, account features, accessibility, and overall value. These banks cover everything you need to manage your money confidently—without the extra hassle.
Headquartered in Wheeling, WesBanco is one of the largest banks based in West Virginia.
With over 200 branches across six states, including locations in Charleston, Fairmont, Morgantown, Parkersburg, and Weirton, the bank remains deeply rooted in the state.
WesBanco offers a full range of personal checking accounts, including student-friendly options and accounts with interest-earning features.
Its savings products include traditional and premium savings accounts, money markets, and CDs.
Loan offerings include personal loans, auto loans, and home equity lines of credit. The bank also provides several credit card options and a full suite of digital tools, including mobile banking, eStatements, and Zelle for person-to-person payments.
For high-net-worth clients, WesBanco offers private banking services with personalized support and specialized programs for physicians.
Upgrade offers a modern, no-fee banking experience for West Virginia residents through its fully digital platform.
With Rewards Checking Plus, customers earn up to 2% cash back on everyday debit card purchases and can access their paychecks up to two days early with direct deposit.
There are no monthly maintenance fees, no overdraft fees, and no minimum balance requirements, making it a low-hassle option for everyday banking.
Upgrade’s Premier Savings account offers a competitive 4.02% APY on balances over $1,000.
For cash access, customers can use over 55,000 Allpoint® Network ATMs across the U.S., including major retailers like CVS and Walgreens.
With branches in Beverly, Buckhannon, Elkins, New Martinsville, Parsons, and Snowshoe, it remains a trusted choice for personalized banking in the state.
As a true community bank, Citizens offers a broad range of services, including personal and business banking, investment products, trust services, and financial planning.
Customers can choose from several checking options, such as free checking, interest-bearing accounts, and money market checking.
Savings options include traditional savings accounts and seasonal accounts like the Christmas Club.
Citizens Bank also provides wealth management, 529 college savings plans, and pension services, making it a strong option for both everyday banking and long-term financial planning.
With decisions made locally by people who know the community, Citizens Bank offers a personalized experience while helping keep investments in West Virginia’s economy.
Summit Community Bank is one of the leading banks in West Virginia, with a strong focus on customer service and local community support.
It operates branches in Charleston, Martinsburg, and Morgantown.
The bank offers a wide selection of personal and business banking products, including checking and savings accounts, loans, and tailored financial services.
Its product lineup is designed to meet the needs of everyday banking while supporting long-term financial goals.
Summit also plays an active role in local economic development. Through community involvement and financial outreach, the bank supports initiatives that help strengthen the areas it serves.
Fairmont Federal Credit Union is a community-focused financial institution serving West Virginia through nine branch locations in cities including Bridgeport, Fairmont, Mannington, Morgantown, and White Hall.
Known for its member-first approach, Fairmont operates under the credit union philosophy of “People Helping People,” aiming to deliver value and service rather than profits.
Members have access to a range of personal banking options, including Kasasa® Checking Accounts like Kasasa Cash Back® and Kasasa Cash®.
These accounts offer rewards, higher dividend rates, and ATM fee refunds nationwide.
Fairmont also provides competitive mortgage solutions with flexible payment plans to meet the needs of different income levels and lifestyles.
For long-term planning, Fairmont offers both traditional and education-focused IRAs, helping members save for retirement or future academic expenses with potential tax benefits.
United Bank is the largest bank headquartered in West Virginia and remains a leading provider of financial services for individuals and businesses alike.
With a strong footprint across the state, United Bank operates branches in cities such as Beckley, Charleston, Clarksburg, Huntington, Morgantown, Parkersburg, Vienna, and Wheeling.
The bank offers a full lineup of financial products, including personal and business checking and savings accounts, home and auto loans, mortgages, business lending solutions, and investment and wealth management services.
Beyond banking, United Bank plays an active role in the communities it serves.
Through support of local projects and charitable efforts, the bank fosters economic development and community engagement across West Virginia, reinforcing its long-standing reputation as a trusted, community-centered institution.
Truist Bank maintains a strong presence in West Virginia with branches in cities such as Beckley, Charleston, Huntington, Martinsburg, and Morgantown.
This network allows Truist to serve a wide range of personal and business banking needs throughout the state.
Customers can access various financial products, including checking and savings accounts, credit cards, auto loans, home loans, and investment services.
Truist also offers specialized financial planning and lending options tailored to the needs of local residents and businesses.
In addition to its banking services, Truist invests in the well-being of West Virginia communities through support for education, health initiatives, and local economic development programs.
Pendleton Community Bank offers full-service banking through eight West Virginia branches located in cities such as Franklin, Marlinton, Moorefield, and Petersburg.
With five additional branches in Virginia, the bank serves a mix of rural and urban communities with a focus on local accessibility and personal service.
Its product lineup includes personal and business checking and savings accounts, mortgages, credit cards, retirement planning, merchant services, and a range of loan options.
The bank also supports small business growth with tailored business banking solutions and financing tools.
Pendleton Community Bank maintains a strong community focus, actively engaging in local events and development initiatives.
City National Bank maintains a strong foothold in West Virginia with branches in Charleston, Huntington, Morgantown, Parkersburg, and several other cities.
Known for its customer-first approach, the bank delivers personalized service tailored to individual financial goals.
Its product offerings cover a broad range of personal and business banking needs, including checking and savings accounts, personal loans, mortgages, and wealth management services.
Customers benefit from both in-branch support and convenient digital banking tools.
Beyond financial services, City National Bank is an active community partner.
It contributes to local schools, economic development programs, and charitable initiatives throughout the state, reinforcing its commitment to helping West Virginia communities thrive.
How to Choose the Best Bank in West Virginia
Finding the right bank in West Virginia starts with understanding your financial priorities. Here are some key factors to consider:
Services offered: Make sure the bank offers what you need—whether that’s basic checking and savings, home loans, business banking, or investment support.
Fees and rates: Compare monthly account fees, ATM fees, overdraft charges, and interest rates. The best banks offer competitive pricing without sacrificing service.
Customer service: Look for banks that are easy to reach and responsive. In-person support, online chat, phone service, and email access all matter when you need help.
Accessibility: Consider branch and ATM locations, especially if you prefer in-person banking. Also review the quality of their mobile app and online banking tools.
Reputation: Read customer reviews and look into the bank’s financial health and service record. A trusted name with strong community roots is a good sign.
Community involvement: Many people prefer banks that invest locally. Some support small business lending, sponsor events, or offer financial education in the community.
Security: Check for FDIC insurance and strong digital protections, like real-time fraud alerts and two-factor authentication.
Promotions and perks: New account bonuses or added benefits like free checks or ATM fee reimbursements can be a plus—but they should never be the only reason to choose a bank.
Final Thoughts
The best bank in West Virginia is the one that fits your everyday needs while supporting your long-term goals. Whether you want lower fees, stronger savings tools, or more personalized service, there’s no shortage of strong options in the state.
Start by thinking about what matters most to you—access, convenience, rates, service—and compare banks based on those priorities. A good banking relationship makes managing your money easier, and the right bank will help you stay organized, reach your goals, and plan for the future with confidence.
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