Skip To Content
Family of five standing together
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, send money to anyone or transfer money to and from your First Commonwealth account and another financial institution 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.

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 + Interest + Solutions

An account that pays interest and provides payment solutions.

  • Competitive, tiered interest rates applied to your balance
  • Free Person-to-Person transfers
  • Discount on expedited bill payment
  • Free overdraft protection2 available from any of your linked First Commonwealth accounts, including lines of credit
  • Premium debit card benefits with the World Debit™ Mastercard® Debit Card
  • $10 monthly service charge if deposits fall below $2,000 per statement cycle3

Open Online   Account Comparison   Features and Fees

Hometown Checking + Interest

An account that pays interest.

  • Competitive, tiered interest rates applied to your balance
  • Free overdraft protection2 available from a linked Hometown Savings account
  • $5 monthly service charge if deposits fall below $1,000 per statement cycle3

Open Online   Account Comparison   Features and Fees

Hometown Checking

A simple account for everyone.

  • No monthly deposit or balance requirements
  • Free overdraft protection2 available from a linked Hometown Savings account
  • $2 monthly service charge is waived with eStatement enrollment

Open Online  Account Comparison  Features and Fees

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

2 Overdraft transfer services are limited to the available balance in the linked account. Add Overdraft Protection by calling 800-711-BANK (2265) or visiting a community office near you.

3 Accounts opened after May 12, 2018

View our listing of fees for the above accounts.