Best Banks in West Virginia
Written by
Rudri Patel
Edited by
Elizabeth Constantineau
When you think of West Virginia, you immediately think about the Appalachian mountains and the opportunities to hike the natural landscape. West Virginia account holders want to avoid bumps and steep inclines when dealing with their financial institutions. Whether you need local service or broader accessibility, GOBankingRates has compiled a list of Best Banks by State for 2025 to show exactly how West Virginia’s banks ranked based on what they offered in checking, savings and certificate of deposit (CD) accounts.
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GOBankingRates' editorial team is committed to bringing you unbiased bank reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our in-depth bank review methodology.
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TOP WEST VIRGINIA BANKS AT A GLANCE
Bank/Institution
Savings APY
Notable Highlights
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Detailed Reviews of the Best Banks in West Virginia
Here’s a rundown of the main features, benefits and pros and cons of GOBankingRates’ picks for best banks in West Virginia.
Gold Winner: United Bank
United Bank, founded in 1839, offers the services of a community bank backed by the resources of a larger institution. United’s safe, sound and secure practices should continue to make it a trusted partner for customers and communities well into the future.
Best For
Mobile Banking
Low Monthly Fees
Loan Options
Low Minimum Deposits
Wealth Management Services
Fee-Free Checking and Savings
United Bank offers fee-free checking and savings accounts with low minimum opening deposits of $25 to $50 and no minimum balance requirement. Additionally, it offers fee-based accounts that have easily waivable fees.
Total Branch Locations
Over 240
Mobile App Rating
4.8 on the Apple App Store and 4.4 on Google Play
Other Products Offered
Checking, savings, investments, credit cards, mortgages, home equity loans, personal loans, auto loans, wealth management services, business checking, credit cards
Pros
- Free checking and savings options
- Low minimum opening deposits for checking and Platinum Savings accounts
- Competitive CD rates
Cons
- High deposit needed to open money market account
- Low rates on some accounts
Why We Like United Bank
United Bank offers fee-free checking and savings account options, competitive CD rates and has 48 branch locations across West Virginia. Additionally, online banking and credit card support are available 24/7 with the exception of federal holidays.
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Silver Winner: First Community BankÂ
First Community Bank was established over 150 years ago. While the landscape has changed, its values haven’t — it’s still built on a foundation of compassion and trust. Its commitment to helping customers achieve their financial goals and objectives makes it a top choice for West Virginia residents.
Best For
Low Monthly Fees
Personal Loans
Highly-Rated Mobile App
IRAs
Mortgages
Fee-Free Checking With Bonuses
Community Bank offers several checking accounts with no monthly service charge and no minimum balance requirement. It also offers $20 in free money to new personal checking customers and $50 to new business checking customers. Additionally, customers who bring in their old debit cards and unused checks from another institution will receive up to $20 in bonus cash.
Total Branch Locations
Over 50
Mobile App Rating
4.8 on the Apple App Store and 4.3 on Google Play
Other Products Offered
Checking, savings, money market, CDs, IRAs, credit cards, personal loans, mortgages
Pros
- Several fee-free checking options
- Bonus for new checking customers
- Refund of up to $10 per month for out-of-network ATM fees
Cons
- Some accounts require a minimum balance to avoid fees
- Rates for money market accounts are not competitive and require high balances
Quick Take
First Community Bank offers everything the majority of customers will need in a bank, including fee-free checking accounts, personal loans and up to $10 in monthly ATM-fee reimbursements for out-of-network charges. New checking customers also receive cash bonuses for opening a personal account or a business account.
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Bronze Winner: Huntington Bank
Founded in 1866, Huntington Bank is a full-service bank with a host of checking, savings and lending options. It ranks as a top option in West Virginia for its competitive products and services, customer-first approach and commitment to supporting local communities.
Best For
Mobile App
No Minimum Deposit
Low Monthly Fees
Loan Options
Investment Services
Competitive Rates on Deposit Products and a Fee-Free Checking Account
Huntington Bank offers residents a robust selection of deposit, loan and insurance products. Some of the standout options include its Asterisk-Free Checking Account, which doesn't have a monthly maintenance fee, and the Caregiver Banking option, which allows for limited shared access between accountholders and trusted caregivers.
Total Branch Locations
Over 1,000
Mobile App Rating
4.8 on the Apple App Store and 4.6 on Google Play
Other Products Offered
Checking, savings, CDs, credit cards, mortgages, loan options, insurance
Pros
- Competitive APYs
- 24-hour grace period to avoid overdraft fees
Cons
- Only some accounts offer fee waivers
- Higher APYs may be available elsewhere
Why We Like Huntington Bank
Huntington Bank offers a wide range of products tailored to individual needs. Its Caregiver Banking feature lets aging customers grant limited account access to trusted caregivers, while the 24-hour grace feature gives you extra time to avoid overdraft fees. Many accounts also come with competitive APYs and low fees.
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Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Research Methodology
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Nov. 8, 2024, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Aug. 21, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
How To Choose the Right Bank in West Virginia
Choosing the right bank in West Virginia comes down to balancing convenience with products that fit your needs. Because so many residents live in rural areas, having a nearby branch to open accounts or apply for loans may be non-negotiable. However, if your focus is on competitive rates, along with reliable online and mobile banking tools, choosing one of the online banks or credit unions in West Virginia may be a better choice.
Comparing Banks in West Virginia
Here are some of the most important factors to consider when comparing and choosing your new bank:
- Location: Some West Virginia banks only operate in certain areas of the state, so be sure a bank you’re interested in has a nearby location.
- Availability: Check the bank’s operating hours, including holidays and weekends. Some may not have the availability of a national or online bank.
- Bank health: Some banks prefer to remain small and local, but others are limited from expanding nationally because they aren’t raising enough assets or generating enough profit. Look at your bank’s financials to ensure they’ll be there for the long haul.
- Rewards and promotions: West Virginia banks are often good at offering rewards and promotions. Before opening an account, compare the current offers.
- Account offerings: Some regional banks are limited in terms of their product lines, so be sure that the regional bank you’re considering offers everything you’ll need.
Conclusion
Finding the right bank in West Virginia depends on what you value most, such as low fees and competitive rates or a branch you can easily drive to. Take a closer look at the top banks in West Virginia to decide which one best meets your needs.
FAQs About Banking in West Virginia
Here’s more information to help you find the best West Virginia bank for your needs.- What is the best bank for high-yield savings in West Virginia?
- Although you can compare rates at brick-and-mortar banks in West Virginia, you’ll likely find the best rates online. For example, Marcus by Goldman Sachs has a high-yield savings account offering 3.65% APY, and Everbank Performance Savings offers 4.05% APY.
- Which banks have the most ATMs in West Virginia?
- United Bank has close to 50 ATMs in the state. Citizens Bank of West Virginia has a smaller branch network, but it allows its customers to use any of the hundreds of Sheetz ATM’s available free of charge.
- Are there any banks in West Virginia with no monthly fees?
- Most banks charge fees but offer easy ways to waive them through minimum balance requirements or completing a certain number of debit card transactions. Online-only banks and some credit unions are more likely to offer no monthly fees across checking and savings products.
More Resources for Banking
Best Banks
Checking Accounts
Savings Accounts
CD Account Rates
Money Market Accounts
Cynthia Measom contributed to the reporting for this article.
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