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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.
Get peace of mind with a fixed home loan rate and set payments.
A fixed-rate mortgage features predictable and steady monthly payments with flexible loan terms. WesBanco fixed-rate mortgages offer a consistent interest rate and consistent payments for the term of your loan.
Our fixed-interest rate mortgages range from 10 to 30 years and include:
Flexible loan terms with varying down payment requirements and competitive interest rates
10-, 15- or 30-year fixed-rate mortgages
Down payments as low as 0% of the purchase price. Private mortgage insurance is typically required when the loan amount exceeds 80% of the value or purchase price (whichever is less), but we also have ways to help you reduce or avoid this monthly PMI cost.
The security of a stable monthly payment you can count on, fueled by fixed interest rates.
15-Year vs. 30-Year Fixed-Rate Mortgage1
Since the interest rates are fixed over their lifetimes, these loans come with a degree of certainty – your mortgage payment won’t change month-to-month for the life of your loan. The 15-year and 30-year fixed-rate mortgages are the two most popular loan types for consumers.
Payments on a 30-year fixed-rate-mortgage are stretched out over a longer period of time, so you’ll end up paying more interest over the lifetime of the loan, but your monthly payments will be lower. You may also be able to qualify for a larger loan amount.
The benefit of a 15-year fixed-rate mortgage, then, is that you’ll pay a lot less in interest while paying off your mortgage faster. This will help you build equity in your home quicker. However, the monthly mortgage payment will be higher when you have a shorter term, so it might be more difficult to qualify for as large a loan amount.
Fixed Rate Repayment Example
The payment and Annual Percentage Rate (APR) example* below assumes a credit score of 735, an LTV of 82%, a $210,000 mortgage loan amount, and 30 days to the first payment. If, given this and market offerings, a homeowner were to qualify for a fixed home loan interest rate of 3.672% APR:
The monthly payment for a 15-year fixed mortgage would be $1,519.04.
The monthly payment for a 30-year fixed mortgage term would be $963.24.
Apply for a Fixed-Rate Mortgage
Now that you know the differences between a 15-year and a 30-year fixed-rate mortgage, you’re better able to determine which option works best for your situation. But if you still have questions, or you’re wondering if an adjustable-rate mortgage may be a better fit, your local WesBanco Mortgage Loan Officer can help. They’ll give you what you need to figure out which option is best for you and guide you from application to closing. Ready to take advantage of the stability fixed interest rates afford?
*Payment and Annual Percentage Rate (APR) example assumes a credit score of 735, a LTV of 82%, a $210,000 mortgage loan amount, and 30 days to the first payment. The APR for a fixed-rate mortgage loan is 3.672% APR. The monthly payment for a 15-year fixed-rate term would be $1,519.04. The monthly payment for a 30-year fixed-rate term would be $963.24. The APR is accurate as of September 10, 2019. The disclosed payment amount does not include amounts for taxes and insurance premiums; the actual payment obligation will be greater. Approval of the loans will be subject to the bank’s standard underwriting.
A fixed-rate mortgage features predictable and steady monthly payments with flexible loan terms.
WesBanco operates branches and offices in 8 states. Over the past decade, we have built a national reputation as a safe, sound and profitable bank holding company that always strives to do better by its customers.