Interest earning checking accounts have an Annual Percentage Yield (APY) of 0.05%. The rate may change after the account is opened. APY is accurate as of 9/14/2014. Fees could reduce earnings. Customers with a current checking account, or who transfer funds from an existing WesBanco deposit account, are not eligible for any of the bonuses. The minimum balance to open an account and receive the bonus is $50. Account Opening: Bonus will be credited to the account 90 days from the day the account was opened. E-Statement must occur and all other bonus activity must post to the account within 90 days of new account opening. Debit card: Complete 15 debit card purchase transactions. E-Statement: Activate E-Statement. Mobile Deposit: Make a mobile deposit – a $0.50 charge per deposit applies. Direct deposit: Make two direct deposits of at least $200. Bill Pay: Pay two bills. Refer a Friend: Bonus will be credited to the account after the referred friend opens a checking account. Bonuses: May not be used in combination with other offers, are subject to change without notice and limited to one per account. Customers that have received a new account opening or debit card usage bonus on any previous WesBanco checking account are not eligible for this offer. Businesses and employees are not eligible for bonuses. Offer valid through 12/1/2014. WesBanco Bank, Inc. is a Member FDIC.

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