Compare Personal Bank Checking Options

 

Choose up to 3 accounts to compare:

	Hometown Checking Open Account More Info	Hometown Checking  + Interest Open Account More Info	Hometown Checking  + Interest + Solutions  Open Account More Info	SmartPay Card   Open Account More Info
Online and Mobile Details
Person-to-Person Transfers	$.50 each	$.50 each	Free	$.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% discount2	Up to $19.95
Overdraft Protection
Free Overdraft Protection Transfers with Hometown Savings3				Will not incur overdraft fees
Overdraft Protection Transfers from any other FCB Account3 (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 Nationwide4
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 Hometown Checking + Interest + Solutions will receive a 25% discount on all Expedited Bill Payments, the fee for which is $19.95 or less. Discount may be applied to account as a monthly refund on your statement.
³ Overdraft transfer services are limited to the available balance in the linked account.
⁴ Free access to all First Commonwealth Bank, Allpoint^® and Freedom Alliance Network ATMs.