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Solutions to Help You Sleep Better

Checking accounts for managing your money month-to-month, paycheck-to-paycheck

Personal Checking Accounts

Our First Commonwealth Hometown Checking accounts offer lots of powerful features and smart solutions that you need from a bank account. Plus you can open your personal checking account online - and even get rewards with our Refer-A-Friend program. Use our checking account finder tool so you get the best personal checking account for your financial journey.

All of our personal checking accounts feature:

  • Access your bank accounts anytime, anywhere with Online Banking and Mobile Banking1.
  • Deposit checks without a trip to the bank with Mobile Deposit. Just snap a picture with your phone, send it and you’re done1.
  • Pay bills or send money to anyone, anywhere with just a few clicks.
  • Create a budget, track your spending, set savings goals and more with smart management solutions through Online Banking.
  • Withdraw money, deposit money and transfer money at more than 55,000 fee-free ATMs through Allpoint™ and Freedom Alliance™. So you’re never far from your bank, no matter how far you are from home.
  • Wear out a few pens and perfect your signature with free unlimited check writing.
  • Turn your debit card on and off with SecurLOCK™ Equip. Just open the app from your smartphone1, swipe it and secure it.
  • Account alerts sent as emails or text messages1 so you're always in the know.

Want help deciding which account is right for you? Use our checking account finder tool to find the checking account best for you.

Customize your personal checking account by selecting one of the options below or combining them. If you’re looking for a personal checking account without the checks or hassles of potential overdraft fees, our SmartPay Card might be the perfect solution.

Hometown Checking

  • No monthly deposit or balance requirements
  • Free overdraft protection from a linked Hometown Savings account
  • $2 monthly service charge is waived with eStatement enrollment (or with the addition of a package)

Open Online  Account Comparison  Features and Fees

+ Interest Package

  • Competitive, tiered high interest rates applied to your monthly balance
  • Free overdraft protection from a linked Hometown Savings account
  • $5 monthly service charge with multiple ways to waive2

Open Online   Account Comparison   Features and Fees

+ Solutions Package

  • Free Person-to-Person transfers and external transfers to and from your First Commonwealth account with another institution
  • Discount on expedited bill payment
  • Free overdraft protection from any of your First Commonwealth accounts, including lines of credit
  • Premium debit card benefits with the World Debit™ Mastercard® Debit Card
  • $5 monthly service charge with multiple ways to waive2

Open Online   Account Comparison   Features and Fees

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

2 The monthly service charge is waived if the account has deposits totaling $1,000 or more per month, or a $5,000 minimum daily balance is maintained in related deposit accounts. Related deposit accounts include all checking, savings, money markets and club accounts that are tied to this account in a relationship.

View our listing of fees for the above accounts.