Personal Checking Accounts: A very limited number of account numbers changed as a result of the changeover. If your account number changed, your new account number was provided in a separate mailing at the end of April. You also received complimentary replacement checks (only if your account number changed) in May which arrived in a gray package, like the one shown below.
Checks: You can use your DCB checks without interruption. Once your current supply of checks is exhausted, you can order new checks that will have your current account information and the First Commonwealth logo. The new checks arrived in a gray package, like the one shown above.
Savings/Money Market Account Numbers: A very limited number of account numbers have changed. If your account number was changed, your new account number was provided in a separate mailing at the end of April.
Debit/ATM Cards: You received a new chip-enabled First Commonwealth debit card Mastercard® or a First Commonwealth ATM card in mid-May. Please activate your new card by calling 866-392-9952 and following the instructions. You will be asked to press 1 to continue the call in English or press 2 to continue the call in Spanish. At the next prompt, you will then need to press 2 "for all other inquiries" to activate your card. This process will also walk you through choosing your personal identification number (PIN) for your card. Please take note of your selected PIN as a reset may cause delay.
Once activated, you can begin using your card. The previously established ATM and point-of-sale purchase limits your card had at DCB will resume on your First Commonwealth card. Visit our Chip Card Technology FAQ page to learn more about the security and benefits of chip-enabled cards. Remember to change any debit card information that might be linked as a payment source to sites like PayPal and Amazon.
Health Savings Account (HSA) Cards: You received a new chip-enabled First Commonwealth HSA Mastercard® in mid-May. Please activate your new card by calling 866-392-9952 and following the instructions. You will be asked to press 1 to continue the call in English or press 2 to continue the call in Spanish. At the next prompt, you will then need to press 2 'for all other inquiries' to activate your card. This process will also walk you through choosing your personal PIN for your card. Once activated, you can begin using your First Commonwealth HSA card for medical related expenses. Your HSA Mastercard® card cannot be used at ATMs.
Direct Deposit and Automatic Payments: Any direct deposits, recurring deductions or payments scheduled with third parties will continue without interruption.
CDs and IRA CDs: A very limited number of account numbers changed as a result of the changeover. If your account number changed, your new account number was provided in a separate mailing at the end of April. The interest calculations for DCB CDs and IRA CDs with daily, quarterly, annual or semi-annual compounding will convert to monthly compounding upon the first maturity on or after May 20, 2017. You will receive a notice from First Commonwealth before maturity, allowing you time to make any renewal decisions during the 10-day grace period following the maturity date. You can choose between terms of 90 days to 60 months. Contact us at maturity for current rates by calling 800-711-BANK (2265) or visiting your local office.
Formerly, some DCB CDs and IRA CDs allowed additional deposits to be made. These accounts no longer allow additional deposits to be made outside of the grace period after the first maturity date on or after May 20.
Early withdrawal interest penalties on all current DCB CDs and IRA CDs will remain unchanged until the first maturity date on or after May 20, at which time First Commonwealth's early withdrawal penalties will apply as follows:
- Term less than 12 months = 90 day interest penalty
- 12 months to less than 36 months = 180 day interest penalty
- 36 months to less than 60 months = 365 day interest penalty
- 60 months or more = 900 day interest penalty
All IRA customers will receive an annual statement each January showing prior year activity and Fair Market Value.
Overdraft Protection: If your DCB personal or business checking account was linked to a line of credit or savings account for overdraft protection, your overdraft protection will continue without interruption. If you have a Hometown Savings Account, you are eligible for free overdraft protection transfers. If you have a Hometown Checking Account plus Solutions package, or add a Solutions package to your existing account, you are eligible for free overdraft protection from any First Commonwealth account.
Beginning Monday, May 22, you may stop by a First Commonwealth office or contact our team at 800-711-BANK (2265) to link a Hometown Savings account (no minimum balance), checking or line of credit to your new First Commonwealth checking account as a funding source.
An overdraft occurs when you don't have enough money in your account, or a linked account, to cover a transaction, but we pay it anyway. Under our standard overdraft practices, we authorize and pay overdrafts for checks, other transactions made using your checking account number and automatic bill payments. If the overdraft is under $5 no fee will be assessed. We don't authorize and pay overdrafts for ATM and everyday debit card transactions unless you opt in for coverage on these transactions. If you have opted in for DCB to authorize and pay ATM and everyday debit card transactions on your account, your authorization will continue with First Commonwealth. To discuss or change your First Commonwealth overdraft options, contact us at 800-711-BANK (2265).
ATMs: Once you've activated your First Commonwealth debit card, you will have access to 55,000 surcharge-free ATMs worldwide through the Allpoint and Freedom Alliance networks. These ATMs are at popular retail sites in the Central Ohio area like Target®, CVS® and Walgreens®. Better yet, you can download the Allpoint app to quickly find an ATM wherever you are. Please note the MoneyPass Surcharge-Free ATM Network is no longer available.
You can make deposits at First Commonwealth ATMs as well as non-First Commonwealth ATMs that offer that service. The cut-off time for ATM deposits is 6:59 p.m.
If you use a non-First Commonwealth ATM that isn't part of the Allpoint Network or Freedom Alliance, the fee is $2.50.
Account Statements: You will receive a DCB statement the week of May 22 showing activity since your last statement. The next statement you receive will be the first that shows your First Commonwealth activity. We'll make every effort to combine your accounts to appear on one statement as you see them today, but there may be instances where this is not possible. To learn more about combining your statements, visit your local office or contact us at 800-711-BANK (2265). You can also sign up for eStatements as an Online Banking user, which allows you to see all of your account statements in one location.
eStatements and Electronic Notifications: If you previously receive monthly account statements through DCB eStatements, those will continue at First Commonwealth. In addition to your monthly statements, you can receive additional notices and statements electronically, including past due, sweep, overdraft protection, opt-in confirmation and automatic renewal notices. Simply enroll under the eNotices tab within First Commonwealth's Online Banking.
If you receive other electronic notifications, you will need to re-enroll. To set up multiple users to receive email notifications, select the "Additional Recipients" option of the eNotices tab in First Commonwealth's Online Banking.