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
24/7 access to Credit Score Manager
Access to mobile wallets like Apple PayTM, Google PayTM, Samsung PayTM, and Garmin PayTM
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Confidence Checking®
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Hometown Checking |
Hometown Checking |
Hometown Checking |
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| 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. |
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| 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 DebitTM Mastercard® | ||||
| Additional Features | ||||
| Interest Bearing | |
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See rates in your area |
See rates in your area |
| Relationship Money Market Rate Benefit6 |
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| Rate discount on First Commonwealth Home Equity and Personal Loans7 | ||||
| More than 55,000 Fee-Free ATMs Nationwide8 | ||||
| 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 cycle9 | Enroll in eStatements | $1,000 or more in deposits per statement cycle
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$2,000 or more in deposits per statement cycle
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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 Enjoy a rate discount on your First Commonwealth home equity loan or personal loan when you set up automatic payments from your First Commonwealth checking account.
8 Free access to all First Commonwealth Bank, AllpointTM and Freedom AllianceTM Network ATMs.
9 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.