Business Checking Accounts: Secure & Convenient | First Commonwealth Bank Skip To Content
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Managing Your Business

Solutions for managing and leveraging your cash flow so you can spend more time focused on the growth of your business.

Business Checking Accounts

We want you to spend more time with your customers, not with your bank accounts, so our business checking accounts are designed to keep you moving at the pace of your business. While you're focused on the growth of your company, we're focused on getting your information to you when you need it, how you want it.

All of our business checking accounts feature:

  • Secure access to manage your account everywhere you go with online banking and our mobile app, available at no charge from us1
  • Access to Treasury Management services
  • FDIC insurance for deposits up to $250,0002
  • Business Debit Mastercard®
  • Unlimited surcharge free transactions at 55,000+ ATMs nationwide through the First Commonwealth, Freedom Alliance and Allpoint networks
  • Additional free products and services available to you include Bill Payment1, Image Statements and eStatements

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Business Checking

  • No monthly service charge3
  • 500 free items per statement cycle4
  • Non-interest bearing

Elite Business Checking

  • Good for high transaction volume accounts
  • No monthly service charge3
  • Per item fees apply based on account usage5
  • Treasury Management services available5
  • Earnings Credit available

Business Checking Plus

  • $10 monthly service charge, which can be waived if the minimum daily balance requirement of $2,500 is met3
  • 500 free items per statement cycle4
  • Competitive interest rate

Compare Business Checking Accounts

check = available
n/a = does not apply
Business Checking Elite Business Checking Business Checking Plus
Account Overview A non-interest bearing checking account for growing businesses Checking account for businesses with larger account activity, while offering many other account features Interest bearing checking account specifically designed for sole proprietors, nonprofit businesses and associations
Minimum Deposit to Open $50 $50 $50
Monthly Service Charge n/a n/a $10
Minimum Daily Balance to Avoid Monthly Service Charge n/a n/a $2,500
Item Fee No charge for up to 500 items per statement cycle4 Based on account usage5 No charge for up to 500 items per statement cycle4
Excess Item Fee $0.25 per item over 500 n/a $0.25 per item over 500
Interest Bearing n/a n/a  
Business Debit Card      
Remote Deposit Capture      
Merchant Services      
Treasury Management Services      
No-fee Business BillPay1      
No-fee Mobile Banking1      
Access to over 55,000 ATMs      
No-fee Business Online Banking1      
Image Statements      
Fraud Protection Services      


Open Your Business Checking Account

We'd love to see you in person at any of our local community offices. Be sure to have these items handy when you open your business checking account:

  • Business Information, including
    • Federal Tax ID, State Issued Registration ID Number and Issue date, Beneficial Ownership (names owning greater than 25% of equity or names controlling the entity like CEO and CFO)
  • Beneficial Owner and Signer Information, including
    • Social Security number, Government issued ID like a driver's license or passport, date of birth and current home address. If you are using a driver's license which has expired during the timeframe of COVID-19 and are unable to access the DMV, please let us know so we can discuss your options.

Schedule An Appointment

Need to Order Checks?

No problem - we can take care of that online or over the phone.


1 We don’t charge for these services but standard message, data, and internet service provider rates may apply so check with your carriers.

Insured up to maximum allowable amount.

3 Other fees such as non-sufficient funds, overdraft, etc. may apply. See Schedule of Service Fees for details.

4 Each item deposited or presented against an account is counted as one item. If the account exceeds 500 items per statement cycle, a fee of $.25 per item over 500 items will be assessed.

Fees are governed by the Treasury Management Terms and Conditions. Fees may be offset by an earnings credit and may reduce the earnings on the account.

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