NOTICE: Internet Explorer was retired by Microsoft on June 15th, 2022 and is no longer supported. This could change how you access Online Banking.
Leaving WesBanco
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:
By mail:
WesBanco Bank, Inc.
Attention: Electronic Banking
One Bank Plaza
Wheeling, WV 26003
By telephone:
1-800-905-9043
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:
Internet Access.
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.
10/29/2020 - Financial Planners, Investing for Life
A surprising number of people have not yet attended to their estate planning. Perhaps this is because estate planning has become so much more complicated in recent years, even though the burden of taxes at death has been in decline. Estate planning now usually covers medical and financial decisions before the end of life, as well as after death.
Here are the documents that will be drafted for many estate plans today.
Document
What it does
Financial:
Will
Identifies beneficiaries. May establish one or more trusts for ongoing asset management. Nominates the person or organization to be responsible for estate settlement.
Power of Attorney
Delegates authority to an agent to make financial decisions. The agent’s authority ends when the principal is incapacitated.
Durable Power of Attorney
Delegates financial decision power to an agent, even if the principal is incapacitated. In some cases, the power “springs” into being upon incapacity or other identified event.
Revocable Living Trust
Transfers assets and full financial management authority to a trustee. The trust may continue into incapacity, even beyond the death of the trustor.
Medical:
Power of Attorney for Health Care
(sometimes called a Health Care Proxy)
Identifies an individual to make medical decisions when one is unconscious or incapacitated.
Living Will
Provides guidelines for medical decisions when an individual becomes terminally ill, such as whether feeding tubes or ventilators should be used to prolong life.
Do Not Resuscitate Order (DNR)
Specifically requests that cardiopulmonary resuscitation not be used if one’s heart or breathing stops.
Content is for informational purposes only and is not intended to provide legal or financial advice. The views and opinions expressed do not necessarily represent the views and opinions of WesBanco.
With Fed Rate hikes finished, how should you prepare for the spring housing market? At WesBanco, we'll help you navigate the spring housing market with confidence.
Financial stress can threaten your overall physical and mental health. You don’t have to live with financial stress if you use these suggestions to relieve it.
Stay Informed:
Sign up for regular news & updates.
Talk Retirement Planning
Whether you’re opening a new retirement account or interested in rolling over funds, our retirement planning services team can help you make sure you find the right IRA to save for the future. Find a Local Branch and stop by or set up an appointment today.
With a reported increase in texting and phone scams across the banking industry, we wanted to share a friendly reminder that WesBanco will never call, email or text to ask for your personal information or login credentials. As your bank, we already have that. If you ever question the authenticity of an unsolicited communication, please contact WesBanco directly using the number on the back of your card.
