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Personal Banking

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Checking Account Comparison

Some people want to earn interest on the money in their checking accounts.  Others want to avoid paying service fees.  This chart will help you compare all the details so you can evaluate our different checking accounts.

Hometown First

 

Home Free Checking

Hometown Checking

Hometown Checking Plus

Senior Accent Checking Plus

Minimum Deposit to Open

Only $50

Only $50

Only $50

Only $50

Client Availability

For personal non-business use

For personal non-business use

For personal non-business use

For personal non-business use

Unlimited Check Writing

Yes

Yes

Yes

Yes

Free Checks

No

No

Yes or $5 discount

Yes or $4 discount

Service Fee

None

$5

$10

Non-qualifying fee $5

Minimum Balance to Avoid Service Fee

None

$500 or Direct Deposit of payroll check

$5,000 or $35,000 combined balance in Savings & Checking

$6,500 or $50,000 combined deposit balance

Membership Dues

No

No

No

Club Membership $2 per month

Minimum Balance to Avoid Dues

None

None

None

$6,500

Interest Bearing

No

Yes

Yes

Yes

Debit Card

24 Hour STARsm and Point of Sale Locations

24 Hour STARsm and Point of Sale Locations

24 Hour STARsm and Point of Sale Locations

24 Hour STARsm and Point of Sale Locations

Pre-Authorized Automatic Payments to First Commonwealth Bank Personal Loan or Mortgage

Yes

Yes

Yes

Yes

 

Certain terms and conditions may apply and will be explained to you at account opening.  All service fees may be subject to change at anytime.  Fees could reduce the earnings on the account.

 

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