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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.
9 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.
Current is a mobile banking platform that brings a modern, no-fee experience to West Virginians looking for a simpler way to manage their money.
There are no monthly fees, no overdraft fees, and no minimum balance requirements.
Customers can get paid up to two days early with direct deposit and use over 40,000 fee-free ATMs nationwide. You’ll also receive real-time spending alerts and access to in-app budgeting tools that help you stay in control.
Current stands out with its 4.00% APY savings pod on balances up to $6,000 and its credit-building debit card, which helps improve your credit score without charging interest or requiring a credit check.
It’s a smart option for anyone looking to grow savings and boost credit at the same time.
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.
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.
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
The right bank should match your financial needs, save you money, and make managing your accounts easy. Here are the most important factors to compare:
Services that fit your needs: Look for the accounts and products you actually plan to use—such as checking, savings, mortgages, business accounts, or investment options.
Competitive fees and rates: Review account fees, ATM costs, overdraft charges, and interest rates. The best banks keep costs low without cutting service.
Reliable customer support: Make sure help is easy to get—whether in-branch, by phone, through online chat, or by email.
Convenient access: Check branch and ATM locations if you like in-person banking. Also review mobile app ratings and online banking features.
Strong reputation: Read recent reviews and verify the bank’s financial stability and service history.
Local community investment: Many West Virginians prefer banks that fund local projects, support small businesses, or provide financial education.
Solid security: Confirm FDIC insurance and protections like fraud alerts and two-factor authentication.
Worthwhile bonuses: Account-opening offers, free checks, or ATM fee reimbursements can be a plus—but shouldn’t be your main reason for choosing 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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