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Solutions to Help You Live Confidently

Get the checking account that turns your smartphone into your wallet and gives you 24/7 access for managing your money month-to-month, paycheck-to-paycheck

Personal Checking Accounts

Our First Commonwealth Hometown Checking accounts have the powerful features and smart solutions that you need from a bank account. Open your personal checking account from your laptop or smartphone 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 our total access digital banking, available on your laptop, or on your tablet and smartphone with our mobile banking app1.
  • Deposit checks without a trip to the bank with Mobile Deposit available in our mobile banking app. 
  • Send money to friends and family for free with Zelle®2.
  • 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.
  • Add your new debit card to Google PayTM, Apple Pay,TM Samsung Pay,TM FitBit PayTM and Garmin PayTM and pay with your smartphone or smartwatch.
  • Turn your debit card on and off with SecurLOCK™ Equip. Just open the app from your smartphone1, swipe it and secure it.
  • Get free Mastercard® Identity Protection to keep your identity and your information safe.
  • Withdraw, deposit and transfer money at more than 55,000 fee-free ATMs through Allpoint™ and Freedom Alliance™. 
  • Wear out a few pens and perfect your signature with free unlimited check writing.
  • Get account alerts via email 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 premium solutions.

  • Competitive, tiered interest rates applied to your balance
  • Qualify for relationship interest rates on a Relationship Money Market account3
  • 25% Discount on expedited bill payment4
  • Free overdraft protection5 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 cycle6

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 protection5 available from a linked Hometown Savings account
  • $5 monthly service charge if deposits fall below $1,000 per statement cycle6

Open Online   Account Comparison   Features and Fees

Hometown Checking

A simple account for everyone.

  • No monthly deposit or balance requirements
  • Free overdraft protection5 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 Must have a bank account in the U.S. to use Zelle

3 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 Hometowntown Checking + Interest + Solutions account.

4 Hometown Checking + Interest + Solutions will receive a 25% discount on all Expedited Bill Payments, the fee for which is $19.95 or less. Discount will be applied to account as a refund on your statement.

5 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.

6 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.