MCNB Bank and Trust Co. on Your Credit Report
In short: Operating 8 FDIC-reported offices from a head office in Welch, West Virginia, MCNB Bank and Trust Co. is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator under FDIC certificate 6803. The charter dates to July 1, 1900 and the most recent call report, dated 06/30/2026, shows $357 million in total assets. As an original creditor, MCNB Bank and Trust Co. is the furnisher on its own tradelines, not an assignee of someone else's. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who MCNB Bank and Trust Co. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
MCNB Bank and Trust Co. carries FDIC certificate 6803, operates 8 FDIC-reported offices and reported $357 million in assets on its most recent call report in Welch, West Virginia.
How MCNB Bank and Trust Co. appears on your credit report
MCNB Bank and Trust Co. is the original creditor here, which changes the practical shape of a dispute: there is no assignment chain to attack, only the bank's own records. Name the exact field, send it in writing to MCNB Bank and Trust Co., and file the §611 dispute in parallel. the MCNB Bank and Trust Co. reviews these internally from Welch, West Virginia. The documentation determines what happens — no result is promised.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans booked through MCNB Bank and Trust Co. branch staff in West Virginia
- ◆First-lien residential mortgages and refinances written around Welch
- ◆Small-business and agricultural credit carried on the MCNB Bank and Trust Co. balance sheet
Grounds to dispute a MCNB Bank and Trust Co. entry
Each of these is a reason a MCNB Bank and Trust Co. tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Welch office credited to the wrong MCNB Bank and Trust Co. account number
- ◆Account still reporting open after MCNB Bank and Trust Co. closed it at your request
- ◆First-delinquency date shifted forward on a later MCNB Bank and Trust Co. pull
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
MCNB Bank and Trust Co. is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, MCNB Bank and Trust Co. has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send MCNB Bank and Trust Co. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
MCNB Bank and Trust Co. questions, answered
Does the FDIC insure deposits at MCNB Bank and Trust Co.?
Yes — MCNB Bank and Trust Co. appears in FDIC BankFind under certificate 6803. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Welch, WV, with a charter dated July 1, 1900, $357 million in assets and 8 offices at the 06/30/2026 call report.
Who supervises MCNB Bank and Trust Co. if a dispute goes nowhere?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to MCNB Bank and Trust Co. come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the MCNB Bank and Trust Co. head office in Welch, West Virginia.
How many credit-card complaints does the CFPB show against MCNB Bank and Trust Co.?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched MCNB Bank and Trust Co. exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can an MCNB Bank and Trust Co. charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date MCNB Bank and Trust Co. last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with MCNB Bank and Trust Co. and disputing with a collector?
Go to whoever holds the documents. MCNB Bank and Trust Co. has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to MCNB Bank and Trust Co. tends to produce a substantive answer rather than a rubber-stamp verification.
Does MCNB Bank and Trust Co. report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so MCNB Bank and Trust Co. — 8 offices in West Virginia — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate MCNB Bank and Trust Co. tradelines — is that allowed?
One account showing twice is a classic conversion artifact. MCNB Bank and Trust Co. has operated since 1900, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute an MCNB Bank and Trust Co. account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to MCNB Bank and Trust Co. under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is MCNB Bank and Trust Co. headquartered, and does that affect my dispute?
MCNB Bank and Trust Co. is headquartered in Welch, West Virginia, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by MCNB Bank and Trust Co.; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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