Which is poor compared to other U.S. banks. Its CDs feature a rate of 0.35% and 1.20% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at an APY of 0.10%. Given First United Bank & Trust's noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

First United Bank & Trust charges its customers average fees in comparison to the national average. First United Bank & Trust's checking account has no monthly fee, rating it excellent for anyone looking for a simple account. For those who will need cash in a pinch, it is perfect because it charges no out-of-network ATM fees. Additionally, at $42.00, it has a slightly greater overdraft fee compared to the average overdraft fee charged by U.S. banks. First United Bank & Trust unfortunately doesn't refund out-of-network ATM charges, which means you will need to locate a First United Bank & Trust ATM or accept the ATM charge.

With 24 total bank locations in West Virginia. With mobile and web apps, First United Bank & Trust makes mobile banking straightforward, even on the go. First United Bank & Trust also offers a live chat feature, giving customers an easy access point throughout the day. First United Bank & Trust's online and mobile banking platforms get mediocre marks from customers. With 120 ratings on both Apple and Android platforms, the First United Bank & Trust mobile app rates a 3.4 out of 5 (compared to the national average of 3.8). First United Bank & Trust's mobile app lets you manage your funds by looking at monthly statements, transferring money and reaching customer service. First United Bank & Trust receives an excellent consumer satisfaction rating based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Handles assets totaling $1 billion as well as $1 billion in deposits. First United Bank & Trust's Texas Ratio is 13.33%, denoting that First United Bank & Trust is in good financial condition and improbable to fail. Additionally, First United Bank & Trust is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

I recently opened 2 bank accounts with First United Bank. I’ve been working with large and small banks for over 20 years, and I have to say this was my best experience. All the steps happen fast, smoothly and flawlessly. I received immediately the availability of the funds I deposited. The interactions with the bank’s representatives were personable, quick and efficient. They worked with me to understand my needs and tailor a solution that works perfectly for me. I feel treated like a person, not a number. I’m closing my accounts with 2 other banks and moving everything with First United. Highly recommended!