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WesBanco Bank Review

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WesBanco Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Founded in 1870, WesBanco Bank has $10 billion in assets as well as deposits totaling $7 billion, making it a large bank. WesBanco Bank, whose headquarters are in Wheeling, West Virginia, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with in-person service, in addition to its online and mobile offerings. On the whole, WesBanco Bank is a fair bank that you should look closer at to see if it fits your needs, with a score of 3.3 stars out of 5 from our team. WesBanco Bank provides customers with a full array of product offerings, which include savings accounts, checking accounts, money market accounts, CDs, brokerage accounts, mortgage products and credit cards. WesBanco Bank has a fair savings rate; other popular banks have higher rates. The bank's standard checking account maintains a $6.00 monthly fee, although banks sometimes have requirements that allow you to waive the fee. Locating a checking account with no monthly fee as well as a savings account with a high interest rate at the same bank is the best option for gaining the most income on your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.05%, WesBanco Bank ranks poorly compared to the average U.S. bank. Its one-year CD earns at a rate of 0.30% and the five-year CD earns at a rate of 1.35%, while its highest-yielding money market account earns at an APY of 0.20%. Given WesBanco Bank's poor savings rate, you should consider opting for higher earning savings accounts with other banks.

How WesBanco Bank's Savings Rates Compare

WesBanco Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

WesBanco Bank typically has high fees in comparison to other U.S. banks. WesBanco Bank's checking account has a monthly fee of $6.00, rating it fair for anyone looking for a hassle-free account. WesBanco Bank doesn't reimburse out-of-network ATM fees, meaning you will have to find a WesBanco Bank ATM or pay the withdrawal fee.

Monthly Fee $6.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

WesBanco Bank is a brick-and-mortar bank, with 180 total branches in Indiana, Kentucky, Ohio, Pennsylvania and West Virginia. It also offers access to mobile and web apps for simple access and banking on the go. WesBanco Bank's online and mobile banking platforms get poor marks from customers. The WesBanco Bank mobile app has an overall rating of 3.1 out of 5 (with 1,500 ratings on iOS and Android) compared to the national average of 3.8. You can use WesBanco Bank's app to manage your bank accounts by reviewing current statements, sending and receiving funds as well as accessing support representatives. WesBanco Bank receives an excellent consumer satisfaction rating based on relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 3.1/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

WesBanco Bank is a large bank with $10 billion in assets as well as deposits totaling $7 billion. WesBanco Bank's Texas Ratio is 2.82%, denoting that WesBanco Bank is in excellent financial condition and improbable to fail. Additionally, WesBanco Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare WesBanco Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $300
Checking Account 0.05% APY $1
Certificates of Deposit
  • 12 Month: 0.30% APY
  • 24 Month: 0.75% APY
  • 36 Month: 1.00% APY
  • 48 Month: 1.26% APY
  • 60 Month: 1.35% APY
$500 for all terms
Money Market Account 0.15% APY $1000

WesBanco Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. WesBanco Bank does not have the best savings rate, which means you should think about other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. WesBanco Bank's CD rates are fair compared to the average U.S. bank.

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Find a WesBanco Bank Near Me

WesBanco Bank has 180 locations across the U.S.

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