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Compare Personal Checking Options

Special Checking Promotion: New checking account customers can earn $2001 when you open online or by phone and use offer code FCB12024.


All of our checking accounts come equipped with digital tools for total access banking anytime, anywhere on any device2:

Online Banking and bill payment
Customized account alerts
Online financial management tool
Send money to friends and family for free with Zelle®3
App to pay bills, deposit checks and more
SecurLOCKTM EQUIP app to control your debit card
Access to mobile wallets like Apple PayTM, Google PayTM, Samsung PayTM, Fitbit PayTM and Garmin PayTM


Confidence Checking®

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% discount4
Overdraft Protection
Free Overdraft Protection Transfers from a linked Hometown Savings5

Not eligible for Overdraft Protection. Account will not incur overdraft fees.
Overdraft Protection Transfers from any other linked FCB Account5 (including lines of credit) $15 per day $15 per day Free
Debit Card Benefits
Eco-Friendly Mastercard® Debit Card6        
Standard Debit Card        
World DebitTM Mastercard®        
Additional Features
Interest Bearing  

See rates in your area 

See rates in your area 
Relationship Money Market Rate
More than 55,000 Surcharge Free ATMs Nationwide8        
Check writing None Unlimited Unlimited Unlimited
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 cycle9 Enroll in eStatements $1,000 or more in deposits per statement cycle


$2,000 or more in deposits per statement cycle 



 View The Schedule of Service Fees


1 Offer Information: Earn $200 when you 1) open a new personal checking account by phone by calling 844.711.2265 or online at fcbanking.com by 6/15/2024 and use promo code ‘FCB12024’ at the time of account opening AND 2) complete 10 or more qualifying debit card purchases that post and clear the account within 60 days of account opening. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments. Offer may be extended, modified or discontinued at any time.

Offer Eligibility: Available to customers residing in First Commonwealth Bank markets (PA, OH, IN, KY, or WV) with no personal checking account relationship with First Commonwealth Bank at the time of account opening. Offer is exclusive, not transferable, and limited to one checking reward per customer.

Reward Processing: The $200 bonus will be deposited into active accounts within 60 days of all requirements being met and identified as “Promotional Credit” on your monthly statement. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income. Please consult your tax advisor regarding your specific situation.

Account Terms: The minimum amount to open any Hometown Checking account type is $50. There is no opening deposit required for a Confidence Checking account. Full account terms and conditions will be supplied at account opening. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier, and the minimum balance to earn interest is $500. For example, as of 4/11/2024, APY by tier is: 0.01% for $500-$2,499.99; 0.01% for $2,500-$9,999.99; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account.

2 We don't charge for these services but standard message, data, and internet service provider rates may apply so check with your carriers.

 Must have a bank account in the U.S. to use Zelle.

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. 

 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. 

 The Confidence Card is an eco-friendly debit card, made from plastic that would have otherwise ended up in our oceans.

 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.

 Free access to all First Commonwealth Bank, Allpoint® and Freedom Alliance Network ATMs.

 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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