10 Best Banks in West Virginia for 2025

A standout feature of SoFi is the early direct deposit option, which allows users to access their paychecks up to two days before the traditional payday, adding a layer of convenience.

Deposits at SoFi are FDIC-insured up to $2 million, providing an added layer of security. The bank also provides overdraft coverage up to $50, subject to certain conditions.

For those new to SoFi, the bank welcomes them with a bonus that ranges from $50 to $300, based on the initial deposit amount.

Additionally, SoFi account holders benefit from access to over 55,000 Allpoint® Network ATMs globally, ensuring easy and convenient access to funds, no matter where they are.

WesBanco offers a comprehensive suite of banking products. Its personal checking options include the A+ Student Checking, WesBanco One Account, and Duty First Checking, along with interest-earning and other specialized accounts. The bank also provides a range of savings vehicles such as Companion Savings, Statement Savings, Premium Savings, and money market accounts, as well as CDs.

For those needing financing, WesBanco provides home equity lines of credit, auto loans, personal loans, and an array of credit card options. Its robust online and mobile banking services ensure convenience with features like mobile banking apps, eStatements, and Zelle.

WesBanco also caters to high-net-worth individuals through its private banking services, offering specialized benefits for physicians and personalized attention from private bankers.

The Upgrade Rewards Checking Plus account addresses common banking challenges by eliminating the need for minimum deposits, monthly maintenance fees, overdraft fees, and transfer fees.

West Virginia residents can take advantage of features such as early direct deposit, which allows access to paychecks up to two days in advance. Additionally, the account provides up to 2% cash back on routine debit card purchases.

Moreover, if you choose the Upgrade Premier Savings account, you can benefit from a competitive 4.02% APY on balances over $1,000.

Upgrade collaborates with Cross River Bank to ensure that all accounts are secured by FDIC insurance up to $1 million.

This community-owned bank offers a wide array of financial services. These include banking, trust, investment products, and comprehensive financial planning for both individuals and businesses.

The bank prides itself on a long-standing tradition of personal service. Decisions are made locally by familiar faces. Citizens Bank is dedicated to fostering a culture where banking feels like a family tradition.

The bank provides several checking accounts. These include a free checking account, an interest-bearing account, and a money market checking account. They also have traditional savings accounts and specialized options like a Christmas Club savings account.

Citizens Bank also offers an extensive suite of services. These services include wealth management, employee pensions, and 529 college savings plans. They cater to a wide range of financial needs and ensure that investments made with the bank contribute directly back to the local economy.

With branches strategically located in prominent cities such as Charleston, Martinsburg, and Morgantown in West Virginia, and Winchester and Leesburg in Virginia, Summit Community Bank ensures comprehensive coverage and accessibility for its clients.

This network allows the bank to deliver a full range of financial services, including personal checking and savings accounts, business banking solutions, and various loan options, all tailored to meet the unique needs of its customers.

Summit Community Bank’s involvement in community projects and local initiatives further emphasizes its role as a community pillar. This engagement not only helps in building lasting relationships with residents but also contributes to the economic vitality of the regions.

Operating nine regional branches, Fairmont Federal Credit Union is noted for its rapid growth and dedication to the credit union philosophy of “People Helping People.” This not-for-profit institution prioritizes the well-being of its members over profit.

Fairmont offers a wide array of financial products, including innovative Kasasa® Checking Accounts such as Kasasa Cash Back® and Kasasa Cash®, which feature rewards, higher dividends, cash back, and nationwide ATM withdrawal fee refunds. The credit union also provides competitive mortgage options with customizable payment plans to suit various budgets.

For future planning, members can benefit from Individual Retirement Accounts (IRAs) and Education IRAs that offer tax advantages for retirement and educational funding.

With branches located in cities like Charleston, Morgantown, and Parkersburg, United Bank ensures that its comprehensive suite of financial products is accessible to a wide range of customers. The bank offers everything from standard checking and savings accounts to more complex offerings such as mortgages, business loans, and wealth management services.

In addition to its financial services, United Bank is committed to contributing to the communities it serves by participating in various local development projects and initiatives. This involvement helps to support economic growth and sustainability in the region, strengthening the bank’s relationships with customers and enhancing the overall community welfare.

In West Virginia, Truist has established a presence in cities such as Charleston, Huntington, and Morgantown. These locations enable Truist to offer tailored financial advice and services directly to its customers, enhancing their banking experience and meeting specific regional needs.

The bank’s involvement in West Virginia extends beyond traditional banking services. Truist supports several community initiatives focused on economic development, education, and health, which reinforces its commitment to the state’s growth and prosperity.

The bank has strategically located branches to effectively serve both rural and urban communities. In West Virginia, areas such as Franklin, Marlinton, and Petersburg benefit from its services, while in Virginia, the bank reaches communities including Harrisonburg and Staunton.

Pendleton Community Bank focuses on a community-oriented approach, emphasizing personalized banking experiences. It actively participates in local economic development and community events, helping to strengthen its relationships with both individual and business clients. This commitment to community involvement and customer support enhances its role as a trusted banking partner in the region.

With branches in major cities such as Charleston, Huntington, and Parkersburg, City National Bank is well-positioned to offer its services across the state.

Customers can access everything from basic checking and savings accounts to comprehensive services like mortgages, personal loans, and wealth management.

City National Bank is also deeply embedded in the West Virginia community. It supports local educational programs, economic development projects, and charitable activities.