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Free Checking Account

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Hometown Checking | Our Totally Free Payment Account

Looking for a free checking account? With our totally free Hometown Checking, you never have to worry about fees getting in the way of managing your money. Our checking accounts are packed full of powerful features and solutions but with no maintenance fees or requirements. And with a free Hometown Savings account automatically connected to your checking account, you’re already set up for transfers to cover any accidental overspending.

Want even more features? We have optional upgrades that get you shopping protection, discounts on expedited bill payment and tiered interest rates. Compare all of our checking accounts and find the one that’s right for you.

Find out more about checking accounts from First Commonwealth Bank below. If you’re ready to leave banking fees behind, stop by one of our convenient locations to get free checking in Pittsburgh, Altoona, Johnstown, Greensburg, DuBois, Indiana PA, and across Western PA. Or call 1-800-711-BANK to speak with one of our banking experts.

If you are a current First Commonwealth Bank checking customer, you can re-order your checks online.

Free Checking Account From First Commonwealth Bank

Checking Account Details

  • Hometown Checking
    • Free Hometown Savings account linked to checking account – a great way to save and to protect against unexpected overspending.
    • Free mobile banking* – download the app or sign up for text alerts to bank on the go.
    • Free mobile deposit – enroll**, download the app and use your smartphone to deposit checks.
    • Free online banking and billpay – check balances and view your transactions, pay bills and make transfers.
    • Free First Commonwealth Bank MasterCard® Debit Card – Use it as an ATM card to obtain cash 24 hours a day, 7 days a week or use it as a debit card and pay for your purchases anywhere MasterCard® is accepted or displayed.
    • Surcharge-free access to 55,000 ATMs – access them through the First Commonwealth, Freedom Alliance and Allpoint networks.
    • Free paper or eStatements – go green by choosing a free online statement.
    • Compare all of our payment solutions to find the right one for you.
    • For additional Hometown Checking information, view our Hometown Checking Summary Disclosure or download a complete Schedule of Service Fees.

Optional Upgrades and Add-Ons

  • Solutions Package
    • All of the benefits of our Hometown Checking PLUS free person-to-person payments (Click on the Pay a Person tab to watch a demo on how it works), account-to-account transfers, overdraft protection transfers and discounts on expedited bill payment solutions. Includes a World Debit™ MasterCard®, with premium shopping and security benefits so you’re backed by MasterCard’s exceptional service commitments and ID theft resolution service for better peace of mind. Upgrade for FREE with $1,000 in monthly deposits OR $5,000 combined balance. Otherwise, only $5 per month.
    • Compare all of our payment solutions to find the right one for you.
  • Interest Package
    • All of the benefits of our Hometown Checking PLUS a competitive, tiered interest rate applied to your monthly balances. Upgrade for FREE with $1,000 in monthly deposits OR $5,000 combined balance. Otherwise, only $5 per month.
    • Compare all of our payment solutions to find the right one for you.
  • SmartPay Card
    • The SmartPay Card is a checking account packaged into a sleek card that provides the control and certainty that goes with only spending money you have. You can fund your card anytime your balance is low or depleted, but you can’t incur overdraft fees, which means you have maximum spending control and peace of mind. Use it anywhere MasterCard® is accepted or as an ATM card at more than 55,000 surcharge-free ATMs.
    • Compare all of our payment solutions to find the right one for you.

* Standard data and message rates apply.
** To qualify for this service, customers must have a 30-day established relationship with First Commonwealth Bank and active checking account status.