Checking Comparisons
All of our checking accounts come equipped with the following tools1:
Online Banking and BillPay
Online Financial management tool
App to pay bills, deposit checks and more
Customized account alerts
Access to Android PayTM, Apple PayTM or Samsung PayTM
SecurLOCKTM Equip app to control your debit card
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Hometown Checking
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| Account Overview | Enjoy the convenience of Online and Mobile Banking and access to 55,000+ surcharge-free ATMs with no monthly balance or deposit requirements |
Includes the benefits of Hometown Checking + Earn a competitive, tiered interest rate applied to your monthly balance |
Includes the benefits of Hometown Checking + Upgraded benefits such as free Person-to-Person and external account transfers, free overdraft protection from any FCB account, and premium debit card benefits |
Get the most of your checking account with all of the Hometown Checking features + Interest + Premium Solutions benefits |
Avoid overspending with this checkless account packed into a debit card |
| Online and Mobile Details | |||||
| Person-to-Person Transfers | $.50 each | $.50 each | Free | Free | $.50 each |
| External Account Transfers | $.50 each | $.50 each | Free | Free | $.50 each |
| Expedited Bill Payment | Up to $19.95 | Up to $19.95 | Up to $19.95 less 25% discount2 |
Up to $19.95 less 25% discount2 | Up to $19.95 |
| Overdraft Protection | |||||
| Free Overdraft Protection Transfers with Hometown Savings | Will not incur overdraft fees | ||||
| Overdraft Protection Transfers from any other FCB Account (including lines of credit) | $15 per day | $15 per day | Free | Free | |
| Debit Card Benefits | |||||
| World DebitTM Mastercard® | |||||
| Standard Debit Card | |||||
| SmartPay Card | |||||
| Additional Features | |||||
| Interest Bearing | See rates in your area | See rates in your area | |||
| More than 55,000 Surcharge Free ATMs Nationwide3 | |||||
| Check writing | Unlimited | Unlimited | Unlimited | Unlimited | None |
| Pricing | |||||
| Minimum Opening Deposit | $50 | $50 | $50 | $50 | $25 |
| Monthly Service Charge | $2 | $5 | $5 | Up to $10 | $5 |
| Options to waive the monthly service charge | Enroll in eStatements |
Meet ONE of the following: $1,000 or more in qualifying monthly deposits OR $5,000 minimum daily balance is maintained in related deposit accounts4 |
Meet ONE of the following: $1,000 or more in qualifying monthly deposits OR $5,000 minimum daily balance is maintained in related deposit accounts4 |
Meet ONE of the following: $2,000 or more in qualifying monthly deposits OR $10,000 minimum daily balance is maintained in related deposit accounts4 OR $1,000 or more in qualifying monthly deposits AND $5,000 minimum daily balance is maintained in related deposit accounts. If only one of these requirements is met then the monthly service charge is $5. |
None |
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 Solutions package will receive a 25% discount on all Expedited Bill Payments, the fee for which is $19.95 or less. Discount may be applied to account as a monthly refund at statement time.
3 Free access to all First Commonwealth Bank, Allpoint® and Freedom Alliance network ATMs.
4 Related deposit accounts include all checking, savings, money markets and club accounts that are tied to this account in a relationship.