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Switching banks doesn't have to be tough. Open a personal checking account and get $200.

Jump to full terms and conditions.

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1. Open a new checking account online or by phone and order a debit card.

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2. Activate and use your debit card for 10 transactions within 60 days of account opening.

 

The promo code is automatically applied when you open your account from this page and will not be visible to you on your application.
Otherwise, enter promo code FCB22024 from any other page or when you open by phone at 844.711.2265.

View full terms and conditions.

 

Open Your Personal Checking Account Today

A personal checking account makes it easy for you to withdraw and deposit money and transfer funds. Checking accounts are ideal for holding money you wish to tap into in the short term and use for everyday expenses.

Switching banks doesn't have to be tough. Open a personal checking account with First Commonwealth Bank.

Personal Checking Account Features:

Many checking accounts on the market allow you to withdraw and deposit money, but the best banks for checking accounts offer a wide array of helpful personal checking solutions. Our personal checking account includes several important features that will help you make the most of your experience.

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Send and Receive Money

Use Zelle®, which offers a safe and fast way to send money to your family and friends.

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Transfer Money

Easily transfer money between your First Commonwealth accounts or accounts at other financial institutions. Set up a one-time or ongoing transfer to build up your savings.

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Pay With Your Phone

Connect your account with Goggle PayTM, Apple PayTM, Samsung PayTM, FitBit PayTM and Garmin PayTM.

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Turn Your Debit Card On and Off

If you lose your card, the SecurLOCK EquipTM app allows you ot turn it off so no one can make withdrawals or purchases.

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Account Alerts

You can get account alerts via email or text messages.

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Manage Your Money

Track expenses and set savings goals with Money Manager.

 

 

 

Request More Information Today

Our team would love to connect with you about our checking accounts and how we can help you meet your financial goals.

Which type of checking account is right for me?

 

Hear From Our Valued Customers

Our customers are the reason we exist as a community bank and we love helping them achieve their financial goals. From businesses looking to expand their footprint to families looking to expand their bedrooms, we invite you to be inspired by the financial success of our customers.

 

Features with Every Personal Checking Account

  • Pay friends and family with Zelle.®4
  • Pay with your phone through Google PayTM, Apple Pay,TM Samsung PayTM, FitBit PayTM and Garmin Pay.TM 
  • Turn your debit card on and off with the SecurLOCKTM Equip app.
  • Track expenses and set savings goals with Money Manager.
  • Transfer money between your accounts automatically so your savings can build without giving it a second thought.

Popular Confidence Checking® Account Features

The Confidence Checking® account allow you to spend what you have in your account, so you never have to worry about overdraft fees.

  • Only spend the money you have, which means no overdraft fees ever.
  • Pay with your Mastercard® debit card made from ocean-bound plastic.
  • Avoid paying the $5 monthly service charge can be waived when you use your account the way you want just five times each month.5

 

The promo code is automatically applied when you open your account from this page and will not be visible to you on your application.
Otherwise, enter promo code FCB22024 from any other page or when you open by phone at 844.711.2265.

View full terms and conditions.

 

Our Checking Accounts Options

We have various types of personal checking accounts to choose from to match your needs.

  • Confidence Checking®: This is an eco-friendly account that can help you feel confident in your finances and impact on the environment.
  • Hometown Checking + Interest + Solutions: This account also pays interest and offers holders premium solutions such as a debit cardfrom World Debit™ Mastercard®.
  • Hometown Checking + Interest: This account applies competitive interest rates to your balance.
  • Hometown Checking: This is our simple checking account for everyday use.

We are here to help you choose the right account for your financial needs.

Hear From Our Valued Customers

Our customers are the reason we exist as a community bank and we love helping them achieve their financial goals. From businesses looking to expand their footprint to families looking to expand their bedrooms, we invite you to be inspired by the financial success of our customers.

Frequently Asked Questions

If you want to learn more about how to open an account or understand the difference between our checking accounts, explore these answers to frequently asked questions.

How Do You Qualify for $2001?

You can get $200 with your new checking account by following these steps:

Step 1: Open a new personal checking account with a debit card from www.fcbanking.com/Checking-Promotion-fcb22024 and your promo code will be automatically applied to your application. Otherwise, enter promo code FCB22024 when starting your application from any other page on our website or when you open your application by phone at 844.711.2265. 

Step 2: Activate your debit card when it arrives and make 10 debit card transactions within 60 days of account opening.

Which Is the Best Checking Account For You?

We'd love to help you find out. Our account comparison below allows you to view the benefits of each account type to find the best fit for your financial life. All of our accounts come with digital solutions so you can access online banking for your checking account anytime from anywhere. Some of the standard solutions include:

  • Online banking and bill payment
  • Customized account alerts
  • Zelle® to send money
  • Debit card control using SecurLockTM Equip app
  • Online financial management tool
  • App to pay bills, deposit checks and complete more transactions
  • Mobile wallet solutions

Account Comparisons

 

Qualifying Checking Accounts Confidence Checking® Hometown Checking  Hometown Checking 
+ Interest 
Hometown Checking 
+ Interest + Solutions 
Overdraft Protection        
Free Overdraft Protection Transfers from a linked Hometown Savings2

 N/A
Not eligible for Overdraft Protection. Account will not incur overdraft fees.

     
Overdraft Protection Transfers from any other linked FCB Account2 (including lines of credit) $15 per day $15 per day Free
Additional Features        
Check writing None Unlimited Unlimited Unlimited
Interest Bearing        
Relationship Money Market Rate Benefit6        
Premium Debit Card Benefits7        
25% Discount on Rush Bill Payments8        
Pricing        
Minimum Opening Deposit $0 $50 $50 $50
Monthly Service Charge $5 $2 $5 $10
Options to waive service charge 5 or more customer-initiated transactions per statement cycle5 Enroll in eStatements $1,000 or more in deposits per statement cycle $2,000 or more in deposits per statement cycle 

Popular Debit Card Features

Eco-Friendly Plastic

Our Confidence Card is made from ocean-bound, eco friendly plastic.

Mastercard Theft ID Protection

Defend your personal information and secure your digital privacy.

Surcharge-Free ATM Access

Enjoy access to 55,000 surcharge-free ATMs worldwide with Allpoint

 

Opening a personal checking account with First Commonwealth Bank is simple. The promo code is automatically applied when you open your account from this page and will not be visible on your application. Otherwise, enter promo code FCB22024 from any other page or when you open by phone at 844.711.2265 to complete your application. Read our full terms and conditions online and open your account with us today!