Estate planning at MVB Bank
How to protect 13 MVB Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
MVB Bank Account Support (Client Support)
Phone844-682-2265
Toll-Free1-844-682-2265
Mailing Address
MVB Bank, 301 Virginia Avenue, Fairmont, WV 26554
Credit Karma Money accounts (serviced by Credit Karma, not MVB)
Lost or stolen MVB credit cards
WebsiteLearn more→
MVB Bank Account Support (Client Support)
Phone844-682-2265
Toll-Free1-844-682-2265
Mailing Address
MVB Bank, 301 Virginia Avenue, Fairmont, WV 26554
Credit Karma Money accounts (serviced by Credit Karma, not MVB)
Lost or stolen MVB credit cards
WebsiteLearn more→
MVB Client Support (decedent accounts) — MVB has no separate bereavement department
Phone844-682-2265
Toll-Free1-844-682-2265
Mailing Address
MVB Bank, 301 Virginia Avenue, Fairmont, WV 26554 (the Fairmont - Virginia Avenue banking center; MVB does not publish a separate estate-claims PO box)
WebsiteNotify online→
Verified Jul 2026
MVB Bank has 13 accounts, each with different rules for what happens when the account holder dies. Of those, 11 can name a trust as beneficiary or be retitled into a trust. The right combination of beneficiary designations and trust ownership can keep the entire portfolio out of probate.
Beneficiary designations at MVB Bank can be managed in branch and by phone, typically taking 15-30 minutes. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
MVB Bank has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 13 account types at MVB Bank.
View details →When someone dies
Death claim process
6-step process, 7 required documents, and contact information for survivors.
View details →MVB Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
Only if there is NO probate real estate at all, and the personal property is $50,000 or less. West Virginia tightened this materially: HB 2867, effective July 9, 2025, amended W. Va. Code § 44-1A-2(a) so the affidavit procedure is available only if the decedent died without owning any probate real property or any interest in probate real property, with the personal probate estate consisting of small assets aggregating $50,000 or less. The older $100,000 combined real-and-personal figure that still circulates (and still appears in the § 44-1A-1 definitions) is superseded by the operative subsection — a house in the decedent's sole name disqualifies the estate no matter how small the bank balance. The waiting period is 30 days if you are the executor nominated in the will, and 60 days if you were not nominated or the decedent died intestate. Two West Virginia specifics matter for filing: the COUNTY COMMISSION acts as the probate court here (WV has not adopted the Uniform Probate Code and has no informal probate), so the affidavit goes to the Clerk of the County Commission, not to a probate judge. Accounts with an In Trust For (POD) beneficiary, a surviving joint owner, or trust titling bypass all of this.
It can take money out first, in more than one way, and MVB's Deposit Account Agreement is explicit about all of them. Section 11 says an In Trust For (POD) beneficiary is entitled only to the amount remaining after MVB has paid the owner's outstanding debits and items. Section 3 gives MVB a right of set-off plus a consensual security interest in the account: if the decedent owed MVB money as a borrower or guarantor and it is due, MVB can use the account funds to pay that debt — and on a joint account it may offset for the debt of any ONE of the joint owners, or reach into an individual account of a joint owner to satisfy an obligation on the joint account. Section 5 goes further: the account is liable to MVB for any loss, cost, or expense it incurs from a dispute involving the account, including reasonable attorneys' fees, and MVB may deduct that from the account without prior notice — which is triggered precisely by the kind of family dispute that arises in a contested estate. The practical takeaway: if the decedent had an MVB loan, do not promise a beneficiary a number until MVB confirms what is left after set-off.
Sources
Data sourced from MVB Bank primary sources (19 pages reviewed). How we research.
MVB Bank Account Support (Client Support)
Phone844-682-2265
Toll-Free1-844-682-2265
Mailing Address
MVB Bank, 301 Virginia Avenue, Fairmont, WV 26554
Credit Karma Money accounts (serviced by Credit Karma, not MVB)
Lost or stolen MVB credit cards
WebsiteLearn more→
MVB Bank Account Support (Client Support)
Phone844-682-2265
Toll-Free1-844-682-2265
Mailing Address
MVB Bank, 301 Virginia Avenue, Fairmont, WV 26554
Credit Karma Money accounts (serviced by Credit Karma, not MVB)
Lost or stolen MVB credit cards
WebsiteLearn more→
MVB Client Support (decedent accounts) — MVB has no separate bereavement department
Phone844-682-2265
Toll-Free1-844-682-2265
Mailing Address
MVB Bank, 301 Virginia Avenue, Fairmont, WV 26554 (the Fairmont - Virginia Avenue banking center; MVB does not publish a separate estate-claims PO box)
WebsiteNotify online→
Verified Jul 2026
Estate planning articles
Learn how to protect your MVB Bank accounts and other assets with trusts, beneficiary designations, and estate planning documents.
