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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

 

 

Hometown Checking

 

 Open Account

Features and Fees

Hometown Checking
+ Interest

 

Open Account

Features and Fees 

Hometown Checking
+ Solutions

 

Open Account

Features and Fees 

Hometown Checking
+ Interest
+ Solutions

 

 Open Account

Features and Fees 

SmartPay Card


 

Open Account

Features and Fees 

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

 

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 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.