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Frequently Asked Questions

Frequently Asked Questions

Have questions about our bank or some of the services we provide? Check out our frequently asked questions.

Don’t see your questions answered? Call us anytime during regular business hours at 304-375-6262 or send us a message.

What are the hours for each office?


Williamstown Office:

Lobby Hours:
Mon – Thurs: 9am – 4pm
Fri: 9am – 5pm
Sat: Closed

Drive Thru Hours:
Mon – Fri:  8am – 5:30pm
Sat: 8am – 12pm

Parkersburg Office:

Lobby Hours:
Mon – Thurs: 9am – 4pm
Fri: 9am – 5pm
Sat: Closed

Drive Thru hours:
Mon – Fri: 8am – 5:30pm
Sat: 8am – 12pm

Lubeck Office:

Lobby Hours:
Mon – Fri:  7AM – 5PM
Sat: Closed

The Giving Cup – located inside our Lubeck Office

Mon – Fri:  7AM – 4:30PM

What should I do if my Visa Debit Card is lost or stolen?


If you notice your card is missing during normal business hours, please call one of our offices at (304) 375-6262 or (304) 375-3021 and ask to speak to one of our Customer Service Representatives.

If it is after normal business hours, please call (304) 375-3028 to have your card restricted. This will prevent anyone from using your Debit Card and we will order you a new card.

What are the cutoff times for transactions?


Effective March 1, 2019:  All transactions received during normal business hours in Lobbies and Drive-thrus Monday through Friday will be processed that day.  Transactions on Saturday will be processed the next full business day.  Cash deposits made at our ATM machines will be available immediately, while deposits made with checks will be processed on the current business day until 4:00 pm.

Are Williamstown Bank depositors insured?


All deposit accounts at Williamstown Bank are insured up to the limit allowed by the FDIC.

FDIC’s Electronic Deposit Insurance Estimator (EDIE)

For which holidays does Williamstown Bank close?


Williamstown Bank observes all holidays observed by the Federal Reserve. Those holidays are: New Year’s Day, Martin Luther King, Jr. Day, Presidents’ Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans’ Day, Thanksgiving Day, and Christmas Day. We always post in both offices, and on our Facebook page, when we will be closed or operating under different hours several weeks before the holiday.

What should I do if my account information is stolen or compromised?


You should call one of our offices at (304) 375-6262 or (304) 485-1717 and ask to speak to one of our Customer Service Representatives as soon as you realize your account information has been stolen or compromised so we can put all necessary blocks and protections in place. We will typically ask you to come to one of our offices to sign some paperwork and open a new account. By opening a new account and closing the old, we can better protect you against fraudulent items coming through your account. We will work with you to ensure your accounts and information are protected and that proper procedures are followed.

How do I know if an email or phone call stating it is from Williamstown Bank is valid, or in an attempt to obtain personal information from scammers?


Williamstown Bank will NEVER ask for personal information through an email, text, or phone call. Should you ever receive an email or phone call asking for information such as your Social Security Number, Date of Birth, Account Number, Debit Card number, etc., please contact one of our offices at (304) 375-6262 or (304) 375-3021 so we can be aware of the scam. Any emails you receive can be forwarded to customerservice@wiltown.com so we can research the origins and put any necessary alerts out to our customers.

How secure is your online banking services? Does Williamstown Bank offer Mobile Banking?


Williamstown Bank takes the security of our customers’ information very seriously. Our Online Banking system provides multiple layers of authentication to help ensure our customers’ safety. Online Banking passcodes must be changed every 60 days, and upon logging in, customers will be asked an additional security question. We even monitor what IP addresses and browsers you use and we attempt to contact you if we see any abnormal activity. Our Online Banking provider is continually making security upgrades to ensure the safest possible online banking system for our customers.