Financial Education

Our Promise

Financial Education is one more way First Commonwealth delivers on its promise to be a responsible community bank.  Now more than ever, people need the help and guidance of their banker on how to manage money and navigate the current economy.  As the market begins to recover and gain momentum, we can help our clients gain momentum in their personal and business lives so they can take advantage of the opportunities that a recovering market is bound to bring.

Our Commitment

At First Commonwealth, we take pride in our commitment to being a premier community bank by supporting and reassuring those whom we share our hometown.  On a personal level, this means doing everything we can to bring financial knowledge and understanding to those who make up our First Commonwealth communities. 

Your Advantage

At First Commonwealth, we provide financial education for our employees.  It is our belief that employees well-versed in the basics of money management and financial responsibility can help our clients achieve financial health.  We have tools to help youth, adults and business owners:

1.  Live within their means and on a portion of their income
2. Avoid excessive debt and
3. Save money for a rainy day

Your Financial Education

Our Financial Education Champions offer free financial education presentations and hands-on-workshops at schools, organizations, and businesses within your community.  To inquire about the availability of individual or group sessions in your area, please call our Convenience Banking Center at 1.800.711.2265.

We encourage you to take advantage of the financial resources below.  Click on any of the topics for tips on good money management.  Share what you learn with your children and grandchildren.  When it comes to money management skills, learning can never begin too early.

PARENTS' GUIDE: Teaching Your Kids About Money

It’s not just a nice idea to teach kids how to handle money and credit — it’s essential! Our nation’s teens spend roughly $170 billion a year. Children under 12 alone were expected to spend some $52 billion in 2006. Clearly, kids know how to spend. What we need to teach them is how to save, invest and live on a budget. Check out these topics:

• Everyday Teachable Moments
• Early Money Management Habits for Kids
• Teaching Teens the ABCs of Using Credit Wisely

Keys to Financial Health

Understanding and Using Credit
A Self-Guided ‘Web Tour’ to Credit and Debt Management
Credit Dos and Don’ts
Credit Card Features
What You Should Know About Credit
How to Get a Free Credit Report
Financial Stress Test
What to Do if You Need Help
Tips to Improve a Credit Score

Budgeting
A Self-Guided ‘Web Tour’ to Building a Better Budget
Budgeting for Your Future
Detailed Monthly Budget Worksheet (Word document)
Detailed Monthly Budget Worksheet (PDF document)
Major Purchase Resources
Money Saving Tips

Savings
Establish Good Saving Habits
Family Savings Goal Worksheet

Protecting Your Financial Identity
Simple Steps to Protect Yourself
Tips for Fraud Prevention
Take Action if You are a Victim