Is the WesBanco One Plus Account Worth It ? A Deep Dive into Its
Perks & Costs
About WesBanco One Plus Account
The WesBanco One Plus Account (also called WesBanco One Plus
Interest Checking) is a premium checking account offering from WesBanco in the
United States. It combines interest-earning checking with extra benefits like
protection features, early paycheck access, and short-term borrowing options.
It is designed for people who want more than just basic banking — those looking
for security, flexibility, and perks built into their checking account.
Quick Overview
Key Features of
WesBanco One Plus
|
Feature |
Details |
|
Interest-Earning Checking |
You earn interest on your entire collected balance. |
|
Advance Paycheck Access |
Get paid up to 2 days earlier when you set up
direct deposit, subject to processing time and direct deposit submission. |
|
FlexCash (Short-Term Borrowing) |
Eligible customers (18+, account open ≥ 90 days) can
borrow up to $1,000 without a credit check; funds are deposited in 2
business days. |
|
Protection & Lifestyle Perks |
Identity Theft Protection, Dark Web Monitoring, Cell Phone
Protection (up to $600 for repair or replacement if damaged or stolen), 24/7
Roadside Assistance (up to $100 per occurrence), plus travel & leisure
discounts. |
|
Digital Tools & Convenience |
Online & mobile banking; eStatements; alerts;
budgeting tools; Zelle; Companion Savings Account (which can also serve as
overdraft protection). |
|
Minimum to Open & Fee |
You need $500 to open the account. There is a $12
monthly maintenance fee, which can be waived if you meet two of three
criteria: enroll in eStatements; keep an average daily balance of $2,500; or
maintain a combined loan & deposit balance of $25,000 in eligible
WesBanco accounts. |
Direct Link To Offer
Is It Profitable for the Customer ?
- Fee
Waiver Requirements: The $12 monthly fee is not automatically waived.
Meeting the waiver criteria (particularly the relatively high average
daily balance or combined balances) can be challenging for some users.
- Eligibility
for Extra Features: Some perks (like FlexCash borrowing) require the
account to be open for a certain period (90 days) and other criteria. If
you need access immediately, these delays may matter.
- Value
of Perks vs. Usage: If you don’t use many of the bonus protection or
lifestyle features (roadside assistance; cell phone protection; identity
theft services), you may be paying for benefits you won’t need.
- Interest
Rates / Tiers: The interest you earn depends on the tier / balance. If
your balance is low, the interest benefit may not offset the fees unless
you qualify for the waiver.
Review
In short, yes, it can be profitable — but only if
you plan to use enough of the added features and can meet the
requirements to avoid the monthly fee.
- For
someone who keeps a substantial balance (≥ $2,500 in the account or has
combined balances/loans with the bank), uses the digital tools, values
protections (e.g. identity theft, cell phone repair/replacement), and
takes advantage of early pay or short-term borrowing (FlexCash), the value
of the One Plus account can outweigh the cost.
- For
someone with low balances, minimal use of perks, or who struggles to meet
waiver requirements, the fees may make this less attractive compared to
simpler, no-fee checking options.
So, whether the offer is “profitable” depends heavily on
your banking habits, target balances, and whether the extra benefits are things
you will actually use
