Compare Personal Checking Options

All of our checking accounts come equipped with digital tools for total access banking anytime, anywhere on any device¹:

Online Banking and bill payment
Customized account alerts
Online financial management tool
Send money to friends and family for free with Zelle^®2
App to pay bills, deposit checks and more
SecurLOCK^TM EQUIP app to control your debit card
Access to mobile wallets like Apple Pay^TM, Google Pay^TM, Samsung Pay^TM, Fitbit Pay^TM and Garmin Pay^TM

	Hometown Checking Open Account More Info	Hometown Checking + Interest Open Account More Info	Hometown Checking + Interest + Solutions Open Account More Info	SmartPay Card Open Account More Info
Online and Mobile Transfers and Payments
*Send Payments with Zelle²*	Free	Free	Free	Free
External Account Transfers	Free	Free	Free	Free
Expedited Bill Payment	Up to $19.95	Up to $19.95	Up to $19.95 less 25% discount³	Up to $19.95
Overdraft Protection
Free Overdraft Protection Transfers from a linked Hometown Savings⁴				Will not incur overdraft fees
Overdraft Protection Transfers from any other linked FCB Account⁴ (including lines of credit)	$15 per day	$15 per day	Free	Will not incur overdraft fees
Debit Card Benefits
World Debit^TM Mastercard^®
Standard Debit Card
SmartPay Card
Additional Features
Interest Bearing		See rates in your area	See rates in your area
Relationship Money Market Rate Benefit ⁵
More than 55,000 Surcharge Free ATMs Nationwide⁶
Check writing	Unlimited	Unlimited	Unlimited	None
Pricing
Minimum Opening Deposit	$50	$50	$50	$25
Monthly Service Charge	$2	$5	$10	$5
Options to waive the monthly service charge	Enroll in eStatements	$1,000 or more in deposits per statement cycle	$2,000 or more in deposits per statement cycle	None
Additional Details	View Features & Fees	View Features & Fees	View Features & Fees	View Features & Fees

View The Schedule of Service 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 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.
⁴ 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.
⁵ 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.
⁶ Free access to all First Commonwealth Bank, Allpoint^® and Freedom Alliance Network ATMs.