¹ Offer Information: Earn $200 when you 1) open a new personal checking account in person at a First Commonwealth Bank branch, by phone by calling 844.711.2265 or online at fcbanking.com by 7/31/2025 and use promo code ‘FCB22024’ at the time of account opening AND 2) complete 10 or more qualifying debit card purchases that post and clear the account within 60 days of account opening. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments. Offer may be extended, modified or discontinued at any time.

Offer Eligibility: Available to customers residing in First Commonwealth Bank markets (PA, OH, IN, KY, or WV). Offer is exclusive, not transferable, and limited to one checking reward per customer. The new account will not be eligible for offer if any account owner on the new account 1) had an existing First Commonwealth Bank personal checking account at the time of account opening, or 2) have been paid a First Commonwealth promotional credit on a personal checking account using a First Commonwealth promo code in the past 12 months.

Reward Processing: The $200 promotional credit will be deposited into active accounts within 60 days of all requirements being met and identified as “Promotional Credit” on your monthly statement. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income. Please consult your tax advisor regarding your specific situation.

Account Terms: The minimum amount to open any Hometown Checking account type is $50. There is no opening deposit required for a Confidence Checking account. Full account terms and conditions will be supplied at account opening. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking Plus account varies by tier, and the minimum balance to earn interest is $500. For example, as of 9/1/2024, APY by tier is: 0.01% for $500-$2,499.99; 0.01% for $2,500-$9,999.99; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account.

² Certain terms, conditions and exclusions apply. Cardholders need to register for this service. The service is provided by General Global Assistance, Inc. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.

³ Free access to all First Commonwealth Bank, Allpoint^TM and Freedom Alliance^TM Network ATMs. Mastercard Cross Border fees for international transactions may apply.

⁴ Overdraft transfer services are limited to the available balance in the linked account for Hometown Checking, Hometown Checking Plus and Hometown Checking Premium accounts. If the funds are not available in the linked account, the $35.00 fee for Non-Sufficient Funds or Overdraft may be assessed per item, up to 4 per day. Add Overdraft Protection by calling 800-711-BANK (2265) or visiting a community office near you. The Confidence Checking^TM account will not incur overdraft fees.

⁵ The $5 monthly service charge is waived when you complete 5 or more customer-initiated transactions during the statement cycle. Customer-initiated transactions, including deposits and withdrawals, will be counted on the date that they post and clear the account. If the transaction is conducted in one statement cycle and posts to the account in the following statement cycle, then the transaction will be counted in the statement cycle of the final posting. Bank initiated transactions such as fee assessments/refunds and promotional credits do not count towards the waiver.

⁶ We will waive all non-network ATM fees including cash withdrawals, deposit, transfers and inquiries completed at a non-network ATM for Hometown Checking Premium accounts. We will also waive the first five (5) non-network ATM cash withdrawal fees per calendar month, based on the transaction posting date, for Hometown Checking Plus accounts You will be responsible for any additional fees charged by the owner of a non-network ATM as well as any international transaction or other fees charged by the network.

⁷ A core deposit relationship balance includes another checking, savings, money market account or club account that shares a primary or joint owner with the Hometown Checking Premium or Hometown Checking Plus account.
 
⁸ Hometown Checking Premium account holders can qualify for the annual maintenance fee to be waived on a Brokerage individual Retirement Account (IRA) with First Commonwealth Advisors. To qualify for the fee waiver, the IRA must have a minimum balance of $10,000 or more AND the account owner must also be the primary or joint owner on a Hometown Checking Premium account on the 10th calendar day of the month in which your annual maintenance fee is accessed.

9 Qualify for Relationship Rates on a Relationship Money Market account when the primary or joint owner on the Relationship Money Market is also a primary or joint owner on a Hometown Checking Premium account.