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
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Hometown Checking |
Hometown Checking |
Hometown Checking |
SmartPay Card |
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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 $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 |
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| Relationship Money Market Rate Benefit 5 |
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| 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
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$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 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.