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 or another mobile device 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 app3.
A Checking Account that Builds Up Interest
We can help you set up a personal checking account with interest benefits. We have two consumer 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.
Confidence Checking®
Open OnlineAn eco-friendly account that can help you feel confident in your finances and your impact on the environment.
- No overdraft fees ever
- No opening deposit required
- No monthly deposit or balance requirements
- Eco-friendly Mastercard debit card made from ocean-bound plastic, no paper checks and ability to enroll in eStatements
- Certified as meeting the Bank On National Account Standards for safe and affordable accounts
- $5 monthly service charge waived when you complete 5 or more customer-initiated transactions during your statement cycle5
Hometown Checking + Interest + Solutions
Open OnlineAn 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
Hometown Checking + Interest
Open OnlineAn 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
Hometown Checking
Open OnlineA 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
Want help deciding which account is right for you? Compare our accounts today.
Our team would love to connect with you about our checking accounts and how we can help you meet your financial goals.
Open a Personal Checking Account with Us
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 at the office closest to you. 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.
Acceptable Personal Identification Types are:
- Driver’s License
- State Issued ID Card
- County ID
- Passport/Passport Card
- Permanent Resident/Green Card
- Armed Forces ID Card
- Social Security Card
- Birth Certificate
- ID Attestation Letter (Amish Only)
Confidence Checking®
Our Confidence Checking® account 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.
Savings Account Options
Get the right account for your savings goals. View account options.
Having Great Friends is Rewarding
Recommend us to your friends and get $502. Refer a friend today.
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 1/31/2025 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 + Interest 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 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 a Hometown Checking account is $50. There is no opening deposit required for a Confidence Checking® 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 12/4/2024, 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.
3 We don’t charge for these services, but standard message, data, and internet service provider rates may apply so check with your carriers.
4 Must have a bank account in the U.S. to use Zelle.
5 Customer-initiated transactions 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.
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 Rush 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.