Personal Checking Accounts | OH & PA | First Commonwealth Bank Skip To Content
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Personal Checking Accounts

Our checking accounts have the powerful features and smart solutions that you need from a bank account. Open your checking account from your laptop or smartphone and even get rewards with our Refer-A-Friend program.1 We made it super easy for you to switch your direct deposit and payments with ClickSWITCH.

Special Checking Promotions: New checking account customers can earn up to $2002 when you open online or by phone and use offer code CHECKING200, and all new checking accounts are automatically entered to win 1 of 8 tabletop grills.3

Open online today    Schedule Appointment  Find the Right Account

A personal checking account allows you to keep your money organized. Whether you're running errands or paying bills, it helps to have money set aside for necessary spending. With First Commonwealth Bank, we'll take the time to learn your expectations for a personal checking account and help you make the right financial decisions to keep your money safe yet accessible.

We're here to answer your questions about personal checking accounts when you stop by one of our locations for a visit or call 844.711.2265.

All of Our Personal Checking Accounts Feature:

  • Total access digital banking, available on your laptop, tablet and smartphone.4 
  • Mobile Deposit in our mobile banking app.4 
  • Access to Zelle.®5
  • Online bill pay for making and scheduling payments.
  • Transfer money between your First Commonwealth Bank accounts or accounts at another financial institution. They can be set up as a one-time or recurring transfer.
  • Money Manager, our personal financial management tool. 
  • Google PayTM, Apple Pay,TM Samsung Pay,TM FitBit PayTM and Garmin PayTM.
  • SecurLOCK™ Equip, the app that lets you turn your debit card on and off.
  • Free Mastercard® Identity Protection with our debit card to keep your identity and your information safe.
    • Get alerts on suspicious activity
    • Monitor cards, insurances, your social security number and more, whatever you choose, all in one place
    • Get help resolving any problems
    • Signing up is easy to do and free
  • Access to more than 55,000 surcharge-free ATMs through Allpoint™ and Freedom Alliance™.
  • ClickSWITCH helps you move your direct deposit and payments.
  • Account alerts via email or text messages.

Deposit Checks from Anywhere

At First Commonwealth Bank, we understand you have a busy lifestyle, Banks with mobile check deposit capabilities help you stick to a schedule, so we're happy to provide online access to your checking account. Sign in to your account via smartphone and deposit checks as soon as you receive them. From work payments to gifts from family and friends, take advantage of mobile deposit features using our mobile banking app4.

A Checking Account that Builds Up Interest

We can help you set up a personal checking account with interest benefits. We have two checking account options that are eligible for competitive rates. One of our employees will explain your options for a checking account that will help you achieve your goals, or you can review the difference between our personal checking accounts to get an idea of what we can do for you.

Hometown Checking + Interest + Solutions

An account that pays interest and provides premium solutions.

  • Competitive, tiered interest rates applied to your balance
  • Qualify for relationship interest rates on a Relationship Money Market account6
  • 25% Discount on expedited bill payment7
  • Free overdraft protection8 available from any of your linked First Commonwealth accounts, including lines of credit
  • Premium debit card benefits with the World Debit™ Mastercard® Debit Card
  • Unlimited check writing
  • $10 monthly service charge if deposits fall below $2,000 per statement cycle9

Open Online  Schedule An Appointment

Account Comparison  Features and Fees

Hometown Checking + Interest

An account that pays interest.

  • Competitive, tiered interest rates applied to your balance
  • Free overdraft protection8 available from a linked Hometown Savings account
  • Unlimited check writing
  • $5 monthly service charge if deposits fall below $1,000 per statement cycle9

Open Online  Schedule An Appointment

Account Comparison  Features and Fees

Hometown Checking

A simple account for everyone.

  • No monthly deposit or balance requirements
  • Free overdraft protection8 available from a linked Hometown Savings account
  • Unlimited check writing
  • $2 monthly service charge is waived with eStatement enrollment

Open Online Schedule An Appointment

Account Comparison Features and Fees

SmartPay Card

A checkless account that gives the control you need to manage your money with greater confidence.

  • No overdraft fees ever
  • No monthly deposit or balance requirements
  • Certified as meeting the Bank On National Account Standards for safe and affordable accounts
  • $5 monthly service charge

Open Online  Schedule An Appointment

Account Comparison  Features and Fees

Want help deciding which account is right for you? Compare our accounts today.

Open a Personal Checking Account with Us Today

Once you decide on the best personal checking account for you, we give you the flexibility to open the account online or you can schedule an appointment to meet with our team. You can also open a personal checking account over the phone at 844.711.2265. We make it easy to switch your direct deposit and payments with ClickSWITCH, and you can use our account finder to find the perfect account for your financial life.

SmartPay Card image

SmartPay Card

Our SmartPay Card is certified as meeting the Bank On National Account Standards for safe and affordable accounts. You can only spend the money you have, which means no overdraft fees ever.

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Savings Account Options

Get the right account for your savings goals. View account options.

having great friends rewarding

Having Great Friends is Rewarding

Recommend us to your friends and get $501. Refer a friend today.

1 Terms and Conditions

The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual or business referred (Referred Person or Business) to First Commonwealth Bank, who does not already have a First Commonwealth Bank checking account, registers for the offer, opens a new First Commonwealth personal or business checking account and completes the other requirements within the time specified in the offer. To make a referral, the Referrer must register for the program, agree to these Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person or Business. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Reward Card for each Referred Person or Business who fulfills the requirements (the first Referrer that enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one Reward Card for opening an account and completing the requirements, but may also be eligible as a Referrer. As the referrer, by using the ReferLive, the person you are referring may infer that you are a customer of First Commonwealth Bank.

Personal Account Qualifications: To earn a $50 Mastercard® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank personal checking account after receiving the email or social media offer through the official means of the program. Minimum deposit to open the account is $50 for a Hometown Checking account or $25 for a SmartPay Card account. You must complete at least one of the following requirements within 60 days after account opening.

• Complete one (1) direct deposit of $250 or more, OR
• Complete ten (10) qualifying debit card purchases that must post and clear the account

Qualifying direct deposits may include electronically deposited funds by an employer or an outside agency such as a paycheck, pension, or Social Security. 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. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier. For example, as of 8/9/2022, APY by tier is: 0.01% for $500+; 0.01% for $2,500+; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank.

Business Account Qualifications: To earn a $150 Masetercard® Reward Card, the Referred Business must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank Business checking account after receiving the email or social media offer through the official means of the program. Minimum deposit to open the account is $50. You must complete the following requirements within 60 days after account opening.

• Complete a minimum of $2,000 in qualifying deposits

Qualifying deposits are new-to-First Commonwealth Bank funds including transfers from another financial institution, deposits made in-branch, at an ATM, or via mobile deposit or remote deposit capture. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank.

IOLTA accounts, MJ-IOTA, and Estate accounts do not qualify for this offer.

Please allow 4-6 weeks after completion of all requirements for delivery of your Mastercard® Reward Card (Bonus) to the physical address provided. Bonus may be reported as income to the IRS. The Bonus offer is not available if the Referred Person or Business already has a First Commonwealth Bank checking account. The program may be discontinued or changed at any time without notice. The Referrer authorizes the sending of communications to each Referred Person or Business. The email may not be recovered if the person has "opted out" of marketing material from First Commonwealth Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. Returned/invalid email addresses and non-deliverable addresses are not the responsibility of First Commonwealth Bank or its third party vendors. The Referred Person or Business acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system. The Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used. Mastercard® is not a participant or sponsor of this promotion.

2 Offer available to customers residing in First Commonwealth Bank markets (PA, OH, IN, KY, or WV) with no personal checking account relationship with First Commonwealth Bank at the time of account opening. To qualify for the $100 checking reward: 1) Open a new personal checking account by phone by calling 844.711.2265 or online at fcbanking.com by 12/30/2022 and use promo code ‘CHECKING200’ at the time of account opening; AND 2) Complete one (1) direct deposit of $500 or more within 60 days of account opening. Qualifying direct deposits may include electronically deposited funds by an employer or an outside agency such as a paycheck, pension, or Social Security. To qualify for the additional $100 savings reward: 1) Open a new Hometown Savings, American Dream Savings, Hometown Money Market or Relationship Money Market account by phone by calling 844.711.2265 or online at fcbanking.com; 2) Establish a “savings goal” using Money Manager; AND 3) Maintain a minimum daily balance of $500 in the new savings/money market account for at least consecutive 60 days. To qualify for the additional savings reward, you must first meet all qualification requirements to earn the checking reward, and the savings requirements must be met in full within 6 months of opening the qualifying checking account.

Account opening is subject to approval. Minimum opening deposit requirements apply and vary by account type, ranging from $25 to $50 for checking accounts and from $0 to $1,000 for savings/money market accounts. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest, savings and money market accounts vary by tier. For example, as of 6/1/2022, the Hometown Checking + Interest APY by tier is: 0.01% for $500+, $2,500+, and $10,000+. The Hometown Savings APY by tier is: 0.02% for $0.01+, $1,500+, and $10,000+; 0.04% for $25,000+ and $50,000+. The American Dream Savings base APY is 0.03% and will be increased by 0.04%, up to a maximum rate of 0.15%, when additional accounts within the following product groupings are included in the Relationship: 1) Checking Account or Money Market Account, 2) Certificate of Deposit or Individual Retirement Account, 3) Consumer Loan (Installment, Home Equity, Personal Line of Credit, Mortgage or Time and Demand); Multiple accounts within the same product grouping will count as only one. The Hometown Money Market APY by tier is: 0.02% for $0.01+; 0.04% for $20,000+ and $50,000+; 0.06% for $100,000+, $250,000+, and $2,000,000+. The Relationship Money Market APY by tier is: 0.02% for $0.01+; 0.04% for $20,000+ and $50,000+; 0.06% for $100,000+, $250,000+, and $2,000,000+. The interest rates quoted are the current Non-Relationship rates. In order to qualify for the Relationship Rates, the primary or joint owner on the Relationship Money Market must also be a primary or joint owner on a Hometown Checking + Interest + Solutions account. Visit fcbanking.com for the current Relationship rates. Rates and APY may change after the account is opened. Fees may reduce earnings on the account.

Earned checking rewards will be credited to active checking accounts within 60 days of all requirements being met. Earned savings rewards will be credited to active savings accounts within 60 days of all requirements being met, which includes the requirements to earn the checking reward. All earned rewards will be identified as “Promotional Credit” on your monthly statement. Offer is exclusive, not transferable, and limited to one checking and one savings reward per customer. Offer may be extended, modified or discontinued at any time. 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.

3 First Commonwealth Bank Checking Sweepstakes

Official Rules

NO NEW ACCOUNT, ACCOUNT BALANCE OR TRANSACTION ACTIVITY REQUIRED TO ENTER OR WIN A PRIZE IN THIS SWEEPSTAKES. OPENING AN ACCOUNT AND/OR MAKING A TRANSACTION WILL NOT IMPROVE YOUR CHANCES OF WINNING.

SWEEPSTAKES ENTRY PERIOD: The First Commonwealth Bank Checking Sweepstakes (“Sweepstakes”) begins August 1, 2022 at 12:00 a.m. EST and ends September 16, 2022 at 11:59 p.m. EST (“Sweepstakes Entry Period”).

This Sweepstakes is sponsored by First Commonwealth Bank (“Sponsor”). By entering, you agree to comply with official rules, including all eligibility requirements.

ELIGIBILITY: Sweepstakes is open to legal residents of Pennsylvania and Ohio who are 18 years of age or older at the time of entry and live in the following counties: Pennsylvania (Allegheny, Armstrong, Beaver, Bedford, Blair, Butler, Cambria, Cameron, Centre, Clarion, Clearfield, Clinton, Columbia, Crawford, Cumberland, Dauphin, Elk, Erie, Fayette, Franklin, Fulton, Greene, Huntingdon, Indiana, Jefferson, Lancaster, Lawrence, Lycoming, McKean, Mercer, Montour, Mifflin, Northumberland, Snyder, Somerset, Union, Venango, Washington, Westmoreland and York) Ohio (Ashtabula, Belmont, Carroll, Clark, Clermont, Columbiana, Crawford, Cuyahoga, Delaware, Fairfield, Fayette, Franklin, Geauga, Hamilton, Jefferson, Knox, Lake, Licking, Logan, Lorain, Madison, Mahoning, Marion, Medina, Montgomery, Morrow, Muskingum, Portage, Richland, Stark, Summit, Trumbull, Tuscarawas, Union and Wayne). Offer void where prohibited by law. Eight winners will be chosen from that period’s submissions. Employees of First Commonwealth Bank (the “Sponsor”), its subsidiaries and affiliates, advertising and promotion agencies and members of their immediate families (parents, siblings, children, and each of their respective spouses and those living in the same household whether or not related) are not eligible to enter or win. This Sweepstakes is subject to all federal, state, and local laws.

HOW TO ENTER: There are two (2) ways to enter:

  • Method #1 (“Automatic Entry”): To qualify for automatic entry into this Sweepstakes, open a new personal or business checking account. The account must meet First Commonwealth Bank’s standard new account eligibility and documentation requirements and must have a positive balance as of the date of the drawing. If the account has multiple owners, only the first client named in the account title will be entered into the drawing. Trust, public funds and estate accounts are not eligible for the sweepstakes. For business accounts, prize will be awarded to an authorized signer on the account. The entry date is the date on which the account opening is processed, which may not be the same as the day when an account opening application is completed. All entries submitted via Method #1 must be received during the Sweepstakes Entry Period.
  • Method #2: Legibly print: "First Commonwealth Bank® Checking Sweepstakes,” your full legal name, your mailing address, your e-mail address, your county of residence, and your daytime telephone number on a 3X5 inch card and mail the card in an envelope with postage affixed to First Commonwealth Bank® Checking Sweepstakes, 110 Riverbend Ave, Powell, OH 43065. Your entry date is the date First Commonwealth Bank receives your entry at this address. All mail-in entries must be hand printed, mailed separately and bear sufficient postage. Any incomplete or mechanically reproduced entries will be disqualified, as well as entries not meeting the above criteria. Mailed entries must be received prior to the end of the Sweepstakes Entry Period. (The last drawing is on the last day of the Sweepstakes Entry Period, so an entry postmarked that day has no chance of winning.)

All entries will only be eligible for the drawing on their entry date. Limit of one entry per person for Sweepstakes Entry Period. All entries become property of the Sponsor and will not be returned or acknowledged. The Sponsor is not responsible for lost, late, illegible, incomplete or misdirected entries or for human, technical or transmission errors which may occur in the processing of automatic entries. Eight winners will be chosen from that period’s submissions.

PRIZES/ VALUES: Two winners will be chosen from Ohio resident submissions and six winners will be chosen from Pennsylvania resident submissions to receive a tabletop grill. The prizes to be awarded have been purchased by First Commonwealth Bank at retail from an authorized seller. Each prize has a value that will not exceed $225.00. We reserve the right to substitute a gift of similar value.

WINNER SELECTION/ODDS OF WINNING: Two winners will be chosen from Ohio resident submissions and six winners will be chosen from Pennsylvania resident submission on Wednesday, September 21, 2022. Winners will be selected by random drawing by Sponsor. All decisions of Sponsor will be final. Winners will be notified by telephone or email. Winners will be required to complete and return a Form W-9 [Request for TIN and Certification] and an Affidavit of Eligibility and Liability/Publicity Release (“Affidavit/Release”) within ten (10) days of date printed on notification or the corresponding prize will be forfeited and an alternate winner will be selected at random from among all non-winning eligible entries received during the Sweepstakes Entry Period.

Odds of winning depend on the number of eligible entries divided by the number of Prizes available to be won. The prize may not be assigned or transferred.

Any attempts to circumvent eligibility requirements and claim a prize are punishable to the full extent permitted by law. If (i) Affidavit/Release or prize notification letter is returned as undeliverable, (ii) all required forms/documents are not returned or are returned partially completed, or (iii) the entry is not in compliance with these Official Rules, the corresponding prize will be forfeited and awarded to an alternate winner. Prizes will be awarded within 30 days after all documents have been received and verified. Prizes are not transferable. Acceptance of prize constitutes written permission (except where prohibited by law) to use each winner’s name, prize won and likeness for online posting and for future publicity and promotional purposes without additional compensation, approval or notification. All federal, state and local taxes on prizes are the winner’s responsibility.

CONDITIONS OF ENTRY: By participating, entrants agree to: (1) the Official Rules including all eligibility requirements and the decisions of the Judges and the Sponsor which shall be final in all respects and (2) release, discharge and hold harmless Sponsor, judges and their respective parent companies, subsidiaries, affiliates, officers, directors, and employees, including advertising and promotion agencies from any and all liability, claims, actions, injury, loss or damage of any kind arising out of their participation in the Sweepstakes and the acceptance, use or misuse of any prize awarded. U.S. law governs this Sweepstakes. Sponsor reserves the right to disqualify entrants who violate these Official Rules or interfere with this Sweepstakes in any manner. If disqualified, Sponsor reserves the right to terminate entrant’s eligibility to participate in the Sweepstakes. As a condition of entering the Sweepstakes, entrant agrees that (1) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim punitive, incidental, consequential or any other damages, other than for actual out-of-pocket expenses, (2) all causes of action arising out of or connected with this Sweepstakes, or any prizes awarded, shall be resolved individually, without resort to any form of class action and shall be resolved exclusively by arbitration under the rules of the American Arbitration Association; and (3) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes, but in no event attorney’s fees.

LIMITATION OF LIABILITY: The Sponsor is not responsible for printing or typographical errors in any Sweepstakes-related materials; for stolen, lost, late, misdirected, damaged, incomplete or illegible entries; or for applications that are processed late or incorrectly, or are lost due to computer or electronic malfunction. The Sponsor reserves the right to cancel, suspend or modify the Sweepstakes if fraud or technical failures compromise the integrity of the Sweepstakes as determined by the Sponsor in its sole discretion and award the prizes from among all eligible entries received prior to action taken during the Sweepstakes Entry Period. Each winner assumes all liability for any injury or damage caused or claimed to be caused, by participation in this Sweepstakes or use/misuse or redemption of prize. Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of any prize.

SPONSOR: First Commonwealth Bank, 601 Philadelphia Street, Indiana, PA 15701.

ANNOUNCEMENT OF WINNERS: For a list of prize winners, send a self-addressed stamped envelope by October 15, 2022 to Marketing Department, First Commonwealth Bank, 110 Riverbend Ave, Powell, OH 43065

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

5 Must have a bank account in the U.S. to use Zelle.

6 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 + Interest + Solutions account.

7 Hometown Checking + Interest + Solutions will receive a 25% discount on all Expedited Bill Payments, the fee for which is $34.95 or less. Discount will be applied to account as a refund on your statement.

8 Overdraft transfer services are limited to the available balance in the linked account. 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.

9 Accounts opened after May 12, 2018

View our listing of fees for the above accounts.

Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.