West Virginia's banking market reflects the state's economic evolution — from decades of coal dominance to a growing technology and remote work sector, as the state actively recruits remote workers with financial incentives.
The 'Ascend WV' program has attracted thousands of remote workers to cities like Morgantown and Lewisburg with cash stipends and co-working spaces, creating a new wave of banking customers who need to transfer direct deposits to West Virginia accounts. WesBanco is West Virginia's most prominent locally-rooted bank, though most major banking is provided by national institutions given the state's smaller market size.
National Banks in West Virginia
These banks use West Virginia-specific ACH routing numbers for accounts opened in West Virginia.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
Finding Your Routing Number on a West Virginia Check
The 9-digit number at lower-left is your ACH routing number. Wire routing numbers differ and are not printed on checks.
Regional Banks in West Virginia
Headquartered or major operations in West Virginia. Typically one routing number statewide.
West Virginia Credit Unions
MVB Financial Corp in Fairmont, WV has pivoted to become one of the most fintech-forward community banks in the US, serving as the banking partner for multiple cryptocurrency and digital payment startups.
IGO Federal Credit Union
SiteClarksburg, WV CU serving north-central West Virginia.
Mountaineer Community FCU
SiteNew Martinsville, WV CU serving the Northern Panhandle.
WVU Employees FCU
SiteMorgantown CU for West Virginia University employees, students, and alumni.
FAQ — West Virginia Routing Numbers
Chase uses 051900366 for ACH transactions on West Virginia accounts — the same number used for Virginia. West Virginia was carved out of Virginia in 1863 during the Civil War, and the two states share some banking infrastructure legacy. Chase's Mid-Atlantic routing number covers both states. Wire transfers use Chase's national number: 021000021.
No — City National Bank in West Virginia (headquartered in Charleston) is a completely separate institution from California's City National Bank (now owned by Royal Bank of Canada). The shared name is coincidental. West Virginia's City National Bank is a locally-owned community bank focused on the Charleston metro area. Their routing number is 051400549.
WesBanco is headquartered in Wheeling, West Virginia and operates primarily across West Virginia, Ohio, Pennsylvania, Kentucky, Maryland, and Indiana. Despite West Virginia headquarters, WesBanco has expanded significantly into Ohio and Pennsylvania. Their routing number for West Virginia accounts is 043000096.
Once you open a West Virginia bank account (either at a local branch or online), you'll need your new account's routing number and account number. Give these to your employer's HR or payroll department. Most national banks have WV-specific routing numbers — Chase uses 051900366, Bank of America uses 051000017, and Wells Fargo uses 051400549 for WV accounts. Allow 1-2 pay cycles for the switch to take effect.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.