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

	Confidence Checking^TM Open Account More Info	Hometown Checking Open Account More Info	Hometown Checking + Interest Open Account More Info	Hometown Checking + Interest + Solutions 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 $34.95	Up to $34.95	Up to $34.95	Up to $34.95 less 25% discount³
Overdraft Protection
Free Overdraft Protection Transfers from a linked Hometown Savings⁴	N/A Not eligible for Overdraft Protection. Account 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
Debit Card Benefits
Eco-Friendly Mastercard^® Debit Card⁵
Standard Debit Card
World Debit^TM Mastercard^®
Additional Features
Interest Bearing			See rates in your area	See rates in your area
Relationship Money Market Rate Benefit⁶
More than 55,000 Surcharge Free ATMs Nationwide⁷
Check writing	None	Unlimited	Unlimited	Unlimited
Pricing
Minimum Opening Deposit	$0	$50	$50	$50
Monthly Service Charge	$5	$2	$5	$10
Options to waive the monthly service charge	5 or more customer-initiated transactions per statement cycle⁸	Enroll in eStatements	$1,000 or more in deposits per statement cycle	$2,000 or more in deposits per statement cycle
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 Rush Bill Payments, the fee for which is $34.95 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. 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.
⁵ The Confidence Card is an eco-friendly debit card, made from plastic that would have otherwise ended up in our oceans.
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 Free access to all First Commonwealth Bank, Allpoint^® and Freedom Alliance Network ATMs.
⁸ 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.

Zelle and Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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