WesBanco Checking Accounts
WesBanco Bank, Inc. is a Member FDIC

CheckPax

The CheckPax Package adds value by packaging a FREE Checking side by side with a FREE Savings account.  It also comes with automatic e-statement and online bill pay and a WesBanco MoneyCard ® .  A bundle of products and services to save you money!

Features:

• An initial deposit of $50 is required to open the account;
• No minimum initial deposit to open the included savings account;
• No minimum balances to maintain;
• No monthly maintenance fees;
• Checking account does not earn interest but savings account does earn interest;
• Free Internet banking and Bill Payment;
• Monthly Portfolio Statement;
• No annual fee WesBanco MoneyCard^® provides unlimited ATM access, and POS (point of sale) capabilities when the checking account is the primary account on the card;

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Premium Checking

Premium Checking is an extremely flexible premier checking account for high balance checking customers. This account allows you to tie your investments into the market using the U.S. Treasury Bill index at certain balance levels. In addition to consistent, premium interest that grows as your balance grows; this account offers access to your funds and many additional value-added benefits, without additional fees.

Features:

• An initial deposit of $5,000 is required to open the account;
• No minimum balance to maintain;
• No monthly maintenance fee;
• The account is available to individuals, sole proprietorships and non-profit/public fund entities;
• Interest is paid monthly and calculated on the daily balance with tiered rates as follows:
• $50,000 and over - 90% of the 13 week U.S. Treasury Bill index
• $25,000 - $49,999.99 - Bank set rate
• $5,000 - $24,999.99 - Bank set rate
• Less than $5,000 - 0% interest
• Check safekeeping required; statements mailed monthly without images via mail or e-statement;
• No annual fee WesBanco MoneyCard® provides unlimited ATM access, and POS (point of sale) capabilities when the account is the primary account on the card;
• Free Internet banking and Bill Pay through WesBancoNet;
• Overdraft protection available - a separate application is required.

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Free Checking Accounts

Free Checking Accounts have no minimum balance requirement, permit unlimited transactions and are non-interest bearing.

Features:

• An initial deposit of $50 is required to open the account;
• No minimum balance to maintain;
• No monthly maintenance fee;
• Check safekeeping required (checks or images are not returned in statement);
• Monthly statement;
• No annual fee WesBanco MoneyCard^® provides unlimited ATM access, and POS (point of sale) capabilities when the account is the primary account on the card.

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Interest Checking Accounts
Interest Checking Accounts permit unlimited transactions and are interest bearing.

Features:

• Monthly Maintenance Fee of $10 if the daily balance falls below $1000;
• An initial deposit of $50 is required to open the account;
• The account is available to individual persons, including qualifying sole proprietors or individuals doing business under a trade name, and any business or organization that is considered non-profit as specified in Regulation D;
• Statements are mailed monthly, beginning approximately 30 days after the account is opened;
• Interest is accrued daily on the collected balance and credited to the account monthly on the statement date;
• No annual fee WesBanco MoneyCard^® provides unlimited ATM access, and POS (point of sale) capabilities when the account is the primary account on the card.

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55+ Checking

Simple and cost effective, 55+ Checking is designed to meet the basic checking needs of those 55 or better. You'll enjoy the benefits of our Free Checking account, PLUS the added value of FREE standard WesBanco checks for life. 55+ Checking is a non-interest bearing account.

• An initial deposit of $50 is required to open the account;
• No minimum balance to maintain;
• No monthly maintenance fee;
• Check safekeeping required; statements mailed monthly without images via mail or e-statement;
• No annual fee WesBanco MoneyCard® provides unlimited ATM access, and POS (point of sale) capabilities when the account is the primary account on the card;
• Free basic WesBanco checks for life - 150 checks permitted per order;
• Free Internet banking and Bill Pay through WesBancoNet;
• Overdraft protection available - a separate application is required.

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Freedom Checking & Freedom Gold Checking Accounts

Freedom Checking and Freedom Gold Checking provide outstanding value for any lifestyle.
Both checking programs provide valuable benefits and services that can save you time and money, as well as provide protection and security for you and your loved ones. There's a little of everything that adds up to a lot!

If you want a checking account that can provide you with more than simply access to your money, take a look at these two programs and their outstanding benefits and services:

Freedom Checking Features:

Account Balance Of:	Monthly Maintenance Fee:
$100.00 or more	No Fee:
$0 - $99.99	$7.00

• An initial deposit of $50 is required to open an account;
• Receive interest on checking;
• No charge for first order of personalized Freedom Checking checks; subsequent orders just $6 per order;
• Free safe deposit box for one year;
• Travelers checks, cashier's checks and money orders at not issue charge;
• Overdraft Protection (a separate application is required);
• Image statements are mailed monthly, beginning approximately 30 days after the account is opened;
• Interest is accrued daily on the collected balance and credited to the account monthly on the statement date;
• Notary Service and signature guarantees - Free;
• No annual fee WesBanco Money Card^® Servicesprovides unlimited ATM access, and POS (point of sale) capabilities when the account is the primary account on the card.

PLUS. . .
• Coast to Coast Vision Plan - 10-30% savings on eyewear at participating centers;
• Rx Advantage^TM Prescription Drug Program - Preferred pricing on many prescription medications at participating pharmacies nationwide;
• NationsHealth Medical Supply Pharmacy - Receive up to 15% off the average retail price of diabetes testing products; supplies delivered right to your door; no shipping charges;
• $100,000 Common Carrier Accidental Death Insurance;
• Key Ring Registration;
• Payment Card Protection;
• Auto Rental Discounts;
• Savers Club^TM - Nationwide Discount Book;
• Click here for Member Benefits On-line

Freedom Gold Checking Features:

For just $4 a month, you'll receive ALL of the aforementioned benefits, PLUS…
• No minimum balance requirement;
• Unlimited personalized Freedom Gold checks;
• $10,000 in Accidental Death Insurance & $150,000 Common Carrier ADI;
• Everyday Rebate Rewards - rebates up to $10 each quarter on everyday purchases like groceries, apparel, dining and more;
• Regional Discount Book - half-price and 2-for-1 dining coupons, plus discounts on merchandise and services from local merchants and restaurants. A new book produced every year;
• Bonus Travel - earn cash bonuses every time on airline travel, hotel/motel accommodations in the U.S., car rental, or cruises and tours to popular destinations;
• Auto Trip Routing - request full-color maps with highlighted, customized routes to destinations anywhere in the U.S.
• Click here for Member Benefits On-line

Special Program Notes
Accidental Death Insurance is offered by Affinion Benefits Group and is underwritten by Hartford Life Insurance Company. A portion of the monthly membership dues, if applicable, will be used to pay the insurance premium to the plan administrator. As a member, you'll automatically receive new benefits as they are added to your program. Coverage is divided equally among co-owners of joint accounts. Insurance Disclosure: The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the financial institution or an affiliate, and not insured by any agency of the U.S. Members who reside in Alaska, Arkansas, Colorado, Connecticut, Florida, Indiana, Kansas, Maryland, Mississippi, Missouri, Montana, Nevada, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee and Texas should refer to the Membership Terms, Conditions and Disclosures included in the Membership Kit for important information regarding your medical discount benefits.

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