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COVID-19 Updates including the Paycheck Protection Program Flexibility Act: Learn more.

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
SecurLOCKTM EQUIP app to control your debit card
Access to mobile wallets like Apple PayTM, Google PayTM, Samsung PayTM, Fitbit PayTM and Garmin PayTM

 

Choose up to 3 accounts to compare:

 

Hometown Checking

Open Account
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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
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 
 
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.

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