NOTICE: Internet Explorer was retired by Microsoft on June 15th, 2022 and is no longer supported. This could change how you access Online Banking.
You are now leaving WesBanco’s website and will be redirected to another site. WesBanco makes no endorsement or claims about the accuracy or content of information contained within third party sites to which you may be going. The security and privacy policies on these sites may be different from WesBanco.
Electronic Disclosure Consent Statement
NOTE: Please read this entire disclosure and click “Accept” at the bottom to proceed.
This statement asks for your consent so that we can provide communications and information to you in an electronic format rather than in paper format. Before you decide whether or not you wish to provide your consent to receiving electronic disclosures, you should read and consider the following information. Then, if you decide to consent, you can click the “Accept” button confirming you have read and agreed to the terms of this disclosure. For your consent to be effective, your computer and browser will need to meet the hardware and software requirements discussed below.
This statement contains important information that we are required by law to provide to you. You should keep a copy for your records. If you have any questions about these disclosures that are not answered, feel free to communicate with us using any of the following contacts:
WesBanco Bank, Inc.
Attention: Electronic Banking
One Bank Plaza
Wheeling, WV 26003
Our Online Account Opening Service (the “Service”) along with the required documents and disclosures to open an account on the Service were designed and built to provide records to you in electronic form. You cannot establish an account relationship online without agreeing to receive account agreements and disclosures in electronic form.
If you consent, we will also provide you agreements and other disclosures in an electronic format. These disclosures may include but are not limited to the following:
Initial review and approval, along with any updates or amendments to, our Deposit Account Agreement;
Initial review and approval of initial customer disclosures for account opening including, but not limited to, the Bank’s Overdraft Services Consent Form
Notice of change in account terms;
Notice of fee changes;
Responses to any questions you may have about electronic funds transfers;
Privacy and security notices.
1. How to Obtain Electronic Disclosures (E-Disclosures)
If any amendment(s) to this or other agreements result in an adverse effect upon our customers, we will provide at least 30 days prior notice through a secure online message and/or external email alert.
We may also send you an external email notice and/or secure message through the Service to inform you where other important disclosures can be viewed on our website or within the Service.
You may download or print all electronic notices and disclosures from your computer if you have the hardware and software described below. You can also save copies of electronic notices and disclosures to your hard drive or other media for viewing and printing at a later time.
If you have trouble printing or if you need a paper copy for a special situation, you may request a paper copy from us by contacting us through any of the methods listed above. If you need a paper copy of any Edisclosure, we will provide the first copy for free. Charges may apply for additional paper copies.
2. System and Equipment Requirements
Prior to accepting the electronic delivery of disclosures, you should verify that you have the required hardware and software necessary to access the system and retrieve documents and disclosures in an electronic format.
You will need:
A computer and Internet browser that can support 128-bit encryption.
Adobe Reader software, or a similar utility capable of displaying PDF files.
For security purposes, we support the most current version of popular browsers, such as Microsoft Edge, Mozilla/Firefox, Google Chrome or Apple Safari browser. The most current browser versions are typically more secure and will support 128 bit encryption.
A printer connected to your computer for printing E-disclosures and/or sufficient hard-drive space or other media (e.g. CD, USB drive) if you plan to save disclosures in an electronic format.
An external email address. This is necessary so that we can send you notices when E- disclosures are available on our website or within the Service.
We may revise hardware and software requirements from time-to-time. If there is a material chance that the changes may impact your ability to access the system or E-disclosures, we will notify you of these changes thirty (30) days in advance. At that time, you will be given an opportunity to change the format of your disclosures (e.g. change from an electronic format to paper format) without the imposition of any fees.
3. Cancellation of E-Disclosures
If you consent to receive E-disclosures and later change your mind, you may withdraw your consent and change to paper delivery format.
You can notify us of your intent to cancel E-disclosures by sending us a secure message through the Service, or by contacting us through any of the methods listed above.
If you send us a secure message or write us a letter, please be sure to identify yourself and the applicable accounts.
If you have agreed to receive electronic-only account statements, you can “opt-out” on the “Change Document Delivery Method” page within the Documents section in the Service. After your opt-out request is processed, you will begin receiving paper copies of account statements and additional charges may apply.
4. Address Changes
In order to provide E-disclosures, we must maintain current customer email address at all times. It is your sole responsibility to provide us with your correct contact information, including your email address.
You should notify WesBanco Bank, Inc. of any changes to your personal contact information by calling us at 1-800-905-9043 or you can update your personal information at any of our branch locations. If you wish to notify us electronically, please update your personal information through the Customer Service menu within the Service.
5. Proceed with Acceptance of E-Disclosures
With your acceptance, you agree to accept the Overdraft Services Consent Disclosure and other related account disclosures in an electronic format. You also agree that you have the necessary equipment for accessing and viewing the disclosures and you agree to notify us if you change your email address or if you no longer want to receive disclosures electronically.
If you do not want E-disclosures, do not checkmark the box confirming that you agree to the terms within the account opening process. If you do not accept E-disclosures you will not be able to continue with establishing your account relationship online.
02/28/2019 - Avoiding Fraud & Enhancing Security, Leveraging Digital and Mobile Tools
Stay Secure with These ATM Safety Tips
ATMs are a great convenience, but they’re also a place where you need to watch out for your safety. By following these simple safety tips, you can reduce your chances of being a victim of ATM theft or other crimes.
Be Aware of Your Surroundings
Whether you’re at a branch or a standalone ATM, if you feel uncomfortable in any way when using an ATM, alert someone to the situation or wait to make your transaction at a different time.
If the ATM machine is located outside on a corner with obstructed views or in an area that feels unsafe to you, visit another ATM if possible.
In addition, be aware of anyone strangers who attempt to help with you with a transaction. If you need assistance, visit a WesBanco banking center rather than an ATM.
Protect Your ATM PIN
You should have your ATM PIN memorized – don’t write your PIN on the back of your card or on a piece of paper.
When you’re using an ATM, don’t allow anyone to look over your shoulder at your PIN. Most ATMs have PIN pad covers, but if they don’t, you should cover the PIN pad with your hand.
It’s important to cautiously enter your ATM PIN when using an ATM machine, especially if someone is in line behind you.
Don’t Count Money When Using the ATM
Never count money while using or after using the ATM. If you’re making a deposit, count and prepare it ahead of your visit to limit the time at the machine. When making a withdrawal, immediately put the money in your pocket or wallet and count your cash in a secure place.
Use the ATM Quickly
To prevent ATM theft or other problems, you should spend as little time as possible at an ATM. Maintain a supply of deposit envelopes at home or in your car. Prepare all transaction paperwork prior to your arrival at the ATM. When using a drive-up ATM, keep your engine running and your doors locked.
Notify WesBanco Immediately of ATM Card Issues
If you have trouble with your card or if anything goes wrong during the transaction contact WesBanco immediately. The situation may not be resolved right away, but it’s better to be proactive if something feels a bit off. Also, if you’re suddenly aware of a potentially dangerous situation, cancel your transaction immediately and find another ATM.
The real key to ATM safety and avoid ATM theft is to keep your surroundings in mind and plan a quick transaction. You should also closely monitor your bank statements and balances, so you can immediately report any problems to your bank.
We are committed to keeping our customers safe when they use one of our ATMs. Click here to find your nearest WesBanco ATM. If you have experienced any issues, please don’t hesitate to call us at 800-905-9043.
Content is for informational purposes only and is not intended to provide legal or financial advice. The views expressed are those of the author.
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