Compare Personal Bank Checking Options
All of our checking accounts come equipped with the following tools1:
Online Banking and BillPay
Customized account alerts
Online financial management tool
Access to mobile wallets like Apple PayTM
App to pay bills, deposit checks and more
SecurLOCKTM EQUIP app to control your debit card
Choose up to 3 accounts to compare:
|
Hometown Checking |
Hometown Checking |
Hometown Checking |
SmartPay Card |
|
| Online and Mobile Transfers and Payments | ||||
| Person-to-Person Transfers | $.50 each | $.50 each | Free2 | $.50 each |
| 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 | |
| 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 Nationwide5 | ||||
| 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
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None |
| Additional Details | ||||
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 Hometown Checking + Interest + Solutions will receive free Person-to-Person transfers. The $.50 fee will be assessed at the time of the transfer and then refunded to the account on your statement.
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 Free access to all First Commonwealth Bank, Allpoint® and Freedom Alliance Network ATMs.