MonitorBankRates
☰
Home › Checking Accounts › West Virginia Checking iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Checking Accounts & Rates in West Virginia - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 24, 2026

The best checking rates for West Virginia include Main Street Bank CorpMain Street Bank Corp2001 Main St Ste 100, Wheeling, WV 26003A5.0 ★Texas Ratio: 11.67% Impact Checking at 6.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union18554 Buffalo Road, Buffalo, WV 25033B4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, FNB Bank, Inc. Romney, WVFNB Bank, Inc. Romney, WV105 N High St, Romney, WV 26757A5.0 ★Texas Ratio: 13.45% HIGH INTEREST CHECKING at 1.00% APY, West Virginia Federal Credit UnionWest Virginia Federal Credit Union2355 Maccorkle Ave, Saint Albans, WV 25177 2008A+5.0 ★Texas Ratio: 2.55% Gold Checking** at 1.00% APY, and Desco Federal Credit UnionDesco Federal Credit Union1438 6th Ave, Huntington, WV 25701 2421A+5.0 ★Texas Ratio: 2.81% Advantage Plus Checking Account at 0.85% APY. Checking account rates as of April 24, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across West Virginia side-by-side. West Virginia checking rates currently reach as high as 6.00% APY from Main Street Bank Corp at 2001 Main St Ste 100, Wheeling, WV, 26003. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in West Virginia. Checking Account Rates Last Updated and Verified: April 24, 2026

Compare Checking Account Rates Today in West Virginia

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Main Street Bank Corp
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
2001 Main St Ste 100
Wheeling, WV 26003
Impact Checking
6.00%
$100
View
▼
Rate5.84%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
18554 Buffalo Road
Buffalo, WV 25033
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
105 N High St
Romney, WV 26757
HIGH INTEREST CHECKING
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2355 Maccorkle Ave
Saint Albans, WV 25177 2008
Gold Checking**
1.00%
$5,000
View
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Money Manager Checking
0.75%
$50
View
▼
Rate0.75%
Min Deposit$50
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

The Citizens Bank of Weston
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
201 Main Ave
Weston, WV 26452
Citizens Interest Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2355 Maccorkle Ave
Saint Albans, WV 25177 2008
Gold Checking**
0.50%
$5,000
View
▼
Rate0.50%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Money Manager Checking
0.35%
$50
View
▼
Rate0.35%
Min Deposit$50
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Davis Trust Company
Institution Rating:
F2.2 ★ Texas Ratio: 48.64%
227 Davis Ave
Elkins, WV 26241
Checking Plus Account
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Money Manager Checking
0.30%
$50
View
▼
Rate0.30%
Min Deposit$50
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
105 N High St
Romney, WV 26757
50 PLUS INTEREST CHECKING
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Main Street Bank Corp
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
2001 Main St Ste 100
Wheeling, WV 26003
Personal Platinum Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $499,999.99

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Priority Choice Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Main Street Bank Corp
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
2001 Main St Ste 100
Wheeling, WV 26003
Impact Checking
6.00%
$100
View
▼
Rate5.84%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
18554 Buffalo Road
Buffalo, WV 25033
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
2355 Maccorkle Ave
Saint Albans, WV 25177 2008
Gold Checking**
1.00%
$5,000
View
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
105 N High St
Romney, WV 26757
HIGH INTEREST CHECKING
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

The Citizens Bank of Weston
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
201 Main Ave
Weston, WV 26452
Citizens Interest Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
105 N High St
Romney, WV 26757
50 PLUS INTEREST CHECKING
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Davis Trust Company
Institution Rating:
F2.2 ★ Texas Ratio: 48.64%
227 Davis Ave
Elkins, WV 26241
Checking Plus Account
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Main Street Bank Corp
Institution Rating:
A5.0 ★ Texas Ratio: 11.67%
2001 Main St Ste 100
Wheeling, WV 26003
Personal Platinum Checking
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $499,999.99

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Plus Checking Account
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
1438 6th Ave
Huntington, WV 25701 2421
Advantage Checking Account
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
1122 US Highway 220 N
Moorefield, WV 26836
Premium 1st Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
1015 Florida Ave
Keyser, WV 26726
Young at Heart Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

No Rewards accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Mutual Bank, FSB
Institution Rating:
A5.0 ★ Texas Ratio: 8.08%
3850 Emerson Ave
Parkersburg, WV 26104
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

Open Online

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
18554 Buffalo Road
Buffalo, WV 25033
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
18554 Buffalo Road
Buffalo, WV 25033
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
105 N High St
Romney, WV 26757
PREMIUM BUSINESS CHECKING
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
105 N High St
Romney, WV 26757
BUSINESS INTEREST CHECKING
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Basic Business Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Business Checking Exempt
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Business Checking II
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
1122 US Highway 220 N
Moorefield, WV 26836
Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
1015 Florida Ave
Keyser, WV 26726
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Basic Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Business Checking Exempt
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Business Checking II
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Basic Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Business Checking Exempt
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
2 The Credit Union Way
Fairmont, WV 26554 1567
Business Checking II
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

West Virginia Checking Rate Trends

Compare local West Virginia checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full West Virginia Checking Trends →
High-Yield Checking — WV Avg
3.169%
Unchanged vs 7 days ago

West Virginia high-yield checking rates currently average 3.169% APY.

Free Checking — WV Avg
1.177%
▲ 0.002 vs 7 days ago

West Virginia free checking rates rose 0.002 points over the past 7 days to 1.177% APY.

As of Apr 24, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for West Virginia directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in West Virginia. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in WV.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in West Virginia earn interest?

Most traditional local checking accounts in West Virginia earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in West Virginia FDIC insured?

Yes. Legitimate banks with branches in West Virginia are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in West Virginia

Based on our current data, some of the highest checking account APYs available to residents of West Virginia include:
  • Main Street Bank Corp
    Impact Checking — 6.00% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • FNB Bank, Inc. Romney, WV
    HIGH INTEREST CHECKING — 1.00% APY
  • West Virginia Federal Credit Union
    Gold Checking** — 1.00% APY
  • Desco Federal Credit Union
    Advantage Plus Checking Account — 0.85% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in West Virginia. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 24, 2026

West Virginia Rates & Resources

$
West Virginia CD Rates
$
West Virginia Savings Rates
$
West Virginia Money Market Rates
$
West Virginia Mortgage Rates
$
West Virginia Auto Loan Rates
$
West Virginia Personal Loan Rates

Checking Account Rates by City in West Virginia

  • Accoville
  • Adrian
  • Advent
  • Albright
  • Alderson
  • Alkol
  • Allen Junction
  • Alloy
  • Alma
  • Alum Bridge
  • Alum Creek
  • Ameagle
  • Amherstdale
  • Amherstdale-Robinette
  • Amigo
  • Amma
  • Anawalt
  • Anmoore
  • Ansted
  • Apple Grove
  • Arbovale
  • Arnett
  • Arnoldsburg
  • Arthurdale
  • Artie
  • Asbury
  • Ashford
  • Ashton
  • Athens
  • Auburn
  • Augusta
  • Aurora
  • Auto
  • Avondale
  • Baisden
  • Baker
  • Bakerton
  • Bald Knob
  • Ballard
  • Ballengee
  • Bancroft
  • Barboursville
  • Barrackville
  • Bartley
  • Bartow
  • Baxter
  • Bayard
  • Beaver
  • Beckley
  • Beech Bottom
  • Beeson
  • Belington
  • Belle
  • Belleville
  • Belmont
  • Belva
  • Bens Run
  • Bentree
  • Benwood
  • Berea
  • Bergoo
  • Berkeley Springs
  • Berwind
  • Bethany
  • Beverly
  • Bickmore
  • Big Bend
  • Big Creek
  • Big Run
  • Big Sandy
  • Big Springs
  • Bim
  • Birch River
  • Blacksville
  • Blair
  • Blandville
  • Bloomery
  • Bloomingrose
  • Blount
  • Blue Creek
  • Blue Jay
  • Bluefield
  • Bob White
  • Bolt
  • Bomont
  • Boomer
  • Booth
  • Borderland
  • Bowden
  • Bradley
  • Bradshaw
  • Bramwell
  • Branchland
  • Brandywine
  • Breeden
  • Brenton
  • Bretz
  • Bridgeport
  • Bristol
  • Brohard
  • Brownton
  • Bruceton Mills
  • Bruno
  • Buckeye
  • Buckhannon
  • Bud
  • Buffalo
  • Bunker Hill
  • Burlington
  • Burnsville
  • Burton
  • Cabin Creek
  • Cabins
  • Cairo
  • Caldwell
  • Calvin
  • Camden
  • Camden On Gauley
  • Cameron
  • Camp Creek
  • Cannelton
  • Canvas
  • Capels
  • Capon Bridge
  • Capon Springs
  • Caretta
  • Carolina
  • Cass
  • Cassville
  • Cedar Grove
  • Cedarville
  • Center Point
  • Centralia
  • Ceredo
  • Chapmanville
  • Charles Town
  • Charleston
  • Charlton Heights
  • Charmco
  • Chattaroy
  • Chauncey
  • Chester
  • Chloe
  • Circleville
  • Clarksburg
  • Clay
  • Clear Creek
  • Clear Fork
  • Clendenin
  • Cleveland
  • Clio
  • Clothier
  • Coal City
  • Coal Mountain
  • Coalton
  • Coalwood
  • Colcord
  • Colfax
  • Colliers
  • Comfort
  • Cool Ridge
  • Copen
  • Cora
  • Core
  • Corinne
  • Costa
  • Cottageville
  • Covel
  • Cowen
  • Coxs Mills
  • Crab Orchard
  • Craigsville
  • Crawford
  • Crawley
  • Creston
  • Crichton
  • Crum
  • Crumpler
  • Cucumber
  • Culloden
  • Cyclone
  • Dailey
  • Dallas
  • Danese
  • Daniels
  • Danville
  • Davin
  • Davis
  • Davisville
  • Davy
  • Dawes
  • Deep Water
  • Delbarton
  • Dellslow
  • Delray
  • Diana
  • Dille
  • Dingess
  • Dixie
  • Dorothy
  • Dothan
  • Drennen
  • Dry Creek
  • Drybranch
  • Dryfork
  • Duck
  • Dunbar
  • Dunlow
  • Dunmore
  • Durbin
  • East Bank
  • East Lynn
  • Eccles
  • Eckman
  • Edgarton
  • Edmond
  • Eglon
  • Elbert
  • Eleanor
  • Elizabeth
  • Elk Garden
  • Elkhorn
  • Elkins
  • Elkview
  • Ellamore
  • Ellenboro
  • Elmira
  • Elton
  • English
  • Enterprise
  • Erbacon
  • Eskdale
  • Ethel
  • Evans
  • Everettville
  • Exchange
  • Fairdale
  • Fairlea
  • Fairmont
  • Fairview
  • Falling Rock
  • Falling Waters
  • Fanrock
  • Farmington
  • Fayetteville
  • Fenwick
  • Fisher
  • Flat Top
  • Flatwoods
  • Flemington
  • Follansbee
  • Folsom
  • Forest Hill
  • Fort Ashby
  • Fort Gay
  • Fort Spring
  • Foster
  • Four States
  • Frametown
  • Frankford
  • Franklin
  • Fraziers Bottom
  • Freeman
  • French Creek
  • Frenchton
  • Friendly
  • Gallagher
  • Gallipolis Ferry
  • Galloway
  • Gandeeville
  • Gap Mills
  • Gary
  • Gassaway
  • Gauley Bridge
  • Gay
  • Genoa
  • Gerrardstown
  • Ghent
  • Gilbert
  • Gilboa
  • Gilmer
  • Given
  • Glace
  • Glady
  • Glasgow
  • Glen
  • Glen Dale
  • Glen Daniel
  • Glen Easton
  • Glen Ferris
  • Glen Fork
  • Glen Jean
  • Glen Morgan
  • Glen Rogers
  • Glen White
  • Glengary
  • Glenhayes
  • Glenville
  • Glenwood
  • Gordon
  • Gormania
  • Grafton
  • Grant Town
  • Grantsville
  • Granville
  • Grassy Meadows
  • Great Cacapon
  • Green Bank
  • Green Spring
  • Green Sulphur Springs
  • Greenville
  • Griffithsville
  • Grimms Landing
  • Gypsy
  • Hacker Valley
  • Halltown
  • Hambleton
  • Hamlin
  • Hampden
  • Handley
  • Hanover
  • Hansford
  • Harman
  • Harper
  • Harpers Ferry
  • Harrisville
  • Hartford
  • Harts
  • Havaco
  • Haywood
  • Hazelton
  • Heaters
  • Hedgesville
  • Helen
  • Helvetia
  • Hemphill
  • Henderson
  • Hendricks
  • Henlawson
  • Hensley
  • Hepzibah
  • Herndon
  • Hernshaw
  • Hewett
  • Hiawatha
  • Hico
  • High View
  • Hillsboro
  • Hilltop
  • Hines
  • Hinton
  • Holden
  • Hometown
  • Horner
  • Hugheston
  • Hundred
  • Huntington
  • Hurricane
  • Huttonsville
  • Iaeger
  • Idamay
  • Ikes Fork
  • Independence
  • Indore
  • Industrial
  • Institute
  • Inwood
  • Ireland
  • Isaban
  • Itmann
  • Ivydale
  • Jacksonburg
  • Jane Lew
  • Jeffrey
  • Jenkinjones
  • Jesse
  • Jodie
  • Jolo
  • Jonben
  • Josephine
  • Julian
  • Jumping Branch
  • Junction
  • Junior
  • Justice
  • Kanawha Falls
  • Kanawha Head
  • Kearneysville
  • Kegley
  • Kellysville
  • Kenna
  • Kenova
  • Kerens
  • Kermit
  • Keslers Cross Lanes
  • Keyser
  • Keystone
  • Kiahsville
  • Kieffer
  • Kilsyth
  • Kimball
  • Kimberly
  • Kincaid
  • Kingmont
  • Kingwood
  • Kistler
  • Kopperston
  • Kyle
  • Lahmansville
  • Lake
  • Lakin
  • Lanark
  • Lansing
  • Lashmeet
  • Lavalette
  • Layland
  • Le Roy
  • Leckie
  • Leewood
  • Left Hand
  • Leivasy
  • Lenore
  • Leon
  • Lerona
  • Lesage
  • Leslie
  • Lester
  • Letart
  • Levels
  • Lewisburg
  • Liberty
  • Linden
  • Lindside
  • Linn
  • Little Birch
  • Littleton
  • Lizemores
  • Lochgelly
  • Lockney
  • Logan
  • London
  • Lookout
  • Looneyville
  • Lorado
  • Lorentz
  • Lost City
  • Lost Creek
  • Lumberport
  • Lyburn
  • Lynco
  • Maben
  • Mabie
  • Mabscott
  • Mac Arthur
  • Macfarlan
  • Madison
  • Maidsville
  • Mallory
  • Mammoth
  • Man
  • Mannington
  • Marianna
  • Marlinton
  • Martinsburg
  • Mason
  • Masontown
  • Matewan
  • Matheny
  • Mathias
  • Matoaka
  • Maxwelton
  • Maybeury
  • Maysel
  • Maysville
  • McGraws
  • McMechen
  • Meador
  • Meadow Bluff
  • Meadow Bridge
  • Meadow Creek
  • Meadowbrook
  • Medley
  • Metz
  • Miami
  • Middlebourne
  • Midkiff
  • Midway
  • Milam
  • Mill Creek
  • Millstone
  • Millville
  • Millwood
  • Milton
  • Minden
  • Mineral Wells
  • Moatsville
  • Mohawk
  • Monaville
  • Montana Mines
  • Montcalm
  • Monterville
  • Montgomery
  • Montrose
  • Moorefield
  • Morgantown
  • Moundsville
  • Mount Alto
  • Mount Carbon
  • Mount Clare
  • Mount Gay
  • Mount Hope
  • Mount Lookout
  • Mount Nebo
  • Mount Olive
  • Mount Storm
  • Mount Zion
  • Mountain
  • Mullens
  • Munday
  • Myra
  • Nallen
  • Naoma
  • Napier
  • Naugatuck
  • Nebo
  • Nellis
  • Nemours
  • Neola
  • Nettie
  • New Creek
  • New Cumberland
  • New Haven
  • New Manchester
  • New Martinsville
  • New Milton
  • New Richmond
  • Newburg
  • Newell
  • Newhall
  • Newton
  • Newtown
  • Nimitz
  • Nitro
  • Nolan
  • Normantown
  • North Matewan
  • North Spring
  • Northfork
  • Norton
  • Oak Hill
  • Oakvale
  • Oceana
  • Odd
  • Ohley
  • Old Fields
  • Omar
  • Ona
  • Onego
  • Orgas
  • Orlando
  • Orma
  • Osage
  • Ottawa
  • Ovapa
  • Paden City
  • Page
  • Pageton
  • Palestine
  • Panther
  • Parkersburg
  • Parsons
  • Paw Paw
  • Pax
  • Paynesville
  • Peach Creek
  • Pecks Mill
  • Pence Springs
  • Pennsboro
  • Pentress
  • Perkins
  • Petersburg
  • Peterstown
  • Petroleum
  • Peytona
  • Philippi
  • Pickens
  • Piedmont
  • Pinch
  • Pine Grove
  • Pineville
  • Piney View
  • Pipestem
  • Poca
  • Point Pleasant
  • Points
  • Pond Gap
  • Pool
  • Porters Falls
  • Powellton
  • Powhatan
  • Pratt
  • Premier
  • Prichard
  • Prince
  • Princeton
  • Princewick
  • Procious
  • Proctor
  • Prosperity
  • Pullman
  • Purgitsville
  • Pursglove
  • Quinwood
  • Rachel
  • Racine
  • Ragland
  • Rainelle
  • Raleigh
  • Ramsey
  • Ranger
  • Ranson
  • Ravencliff
  • Ravenswood
  • Rawl
  • Raysal
  • Reader
  • Red Creek
  • Red House
  • Red Jacket
  • Redstar
  • Reedsville
  • Reedy
  • Renick
  • Reynoldsville
  • Rhodell
  • Richwood
  • Ridgeley
  • Ridgeview
  • Ridgeway
  • Rio
  • Ripley
  • Rippon
  • Riverton
  • Rivesville
  • Robson
  • Rock
  • Rock Cave
  • Rock Creek
  • Rock View
  • Rockport
  • Roderfield
  • Romney
  • Ronceverte
  • Rosedale
  • Rosemont
  • Rowlesburg
  • Rupert
  • Sabine
  • Saint Albans
  • Saint Marys
  • Salem
  • Salt Rock
  • Sand Fork
  • Sandstone
  • Sandyville
  • Sarah Ann
  • Saulsville
  • Saxon
  • Scarbro
  • Scott Depot
  • Secondcreek
  • Selbyville
  • Seneca Rocks
  • Seth
  • Shady Spring
  • Shanks
  • Sharon
  • Sharples
  • Shenandoah Junction
  • Shepherdstown
  • Sherman
  • Shinnston
  • Shirley
  • Shoals
  • Shock
  • Short Creek
  • Simon
  • Simpson
  • Sinks Grove
  • Sistersville
  • Skelton
  • Skygusty
  • Slab Fork
  • Slanesville
  • Slatyfork
  • Smithburg
  • Smithers
  • Smithfield
  • Smithville
  • Smoot
  • Snowshoe
  • Sod
  • Sophia
  • Southside
  • Spanishburg
  • Spelter
  • Spencer
  • Sprague
  • Spring Dale
  • Springfield
  • Spurlockville
  • Squire
  • Stanaford
  • Statts Mills
  • Stephenson
  • Stirrat
  • Stollings
  • Strange Creek
  • Sugar Grove
  • Sumerco
  • Summerlee
  • Summersville
  • Summit Point
  • Surveyor
  • Sutton
  • Swiss
  • Switchback
  • Switzer
  • Sylvester
  • Tad
  • Talcott
  • Tallmansville
  • Tariff
  • Teays
  • Terra Alta
  • Terry
  • Thacker
  • Thomas
  • Thornton
  • Thorpe
  • Thurmond
  • Tioga
  • Tornado
  • Triadelphia
  • Troy
  • TRUE
  • Tunnelton
  • Turtle Creek
  • Twilight
  • Twin Branch
  • Uneeda
  • Union
  • Upper Tract
  • Upperglade
  • Valley Bend
  • Valley Fork
  • Valley Grove
  • Valley Head
  • Van
  • Varney
  • Verdunville
  • Verner
  • Victor
  • Vienna
  • Volga
  • Vulcan
  • Wadestown
  • Waiteville
  • Walker
  • Walkersville
  • Wallace
  • Wallback
  • Walton
  • Wana
  • War
  • Wardensville
  • Warriormine
  • Washington
  • Waverly
  • Wayne
  • Wayside
  • Webster Springs
  • Weirton
  • Welch
  • Wellsburg
  • West Columbia
  • West Hamlin
  • West Liberty
  • West Milford
  • West Union
  • Weston
  • Wharncliffe
  • Wharton
  • Wheeling
  • White Oak
  • White Sulphur Springs
  • Whitesville
  • Whitman
  • Whitmer
  • Widen
  • Wilcoe
  • Wiley Ford
  • Wileyville
  • Wilkinson
  • Williamsburg
  • Williamson
  • Williamstown
  • Wilsie
  • Wilsonburg
  • Wilsondale
  • Windsor Heights
  • Winfield
  • Winifrede
  • Winona
  • Wolf Pen
  • Wolfcreek
  • Wolfe
  • Woodville
  • Worth
  • Worthington
  • Wyatt
  • Wyco
  • Wyoming
  • Yawkey
  • Yellow Spring
  • Yolyn
  • Yukon