Compare Personal Checking Options
Special Checking Promotion: New checking account customers can earn $2001 when you open online or by phone and use offer code FCB22024.
All of our checking accounts come equipped with digital tools for total access banking anytime, anywhere on any device2:
Online Banking and bill payment
Customized account alerts
Online financial management tool
Send money to friends and family for free with Zelle®3
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, 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% discount4 |
| Overdraft Protection | ||||
| Free Overdraft Protection Transfers from a linked Hometown Savings5 | 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 Account5 (including lines of credit) | $15 per day | $15 per day | Free | |
| Debit Card Benefits | ||||
| Eco-Friendly Mastercard® Debit Card6 | ||||
| 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 Benefit7 |
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| More than 55,000 Surcharge 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 Offer Information: Earn $200 when you 1) open a new personal checking account by phone by calling 844.711.2265 or online at fcbanking.com by 1/31/2025 and use promo code ‘FCB22024’ at the time of account opening AND 2) complete 10 or more qualifying debit card purchases that post and clear the account within 60 days of account opening. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments. Offer may be extended, modified or discontinued at any time.
Offer Eligibility: Available to customers residing in First Commonwealth Bank markets (PA, OH, IN, KY, or WV). Offer is exclusive, not transferable, and limited to one checking reward per customer. The new account will not be eligible for offer if any account owner on the new account 1) had an existing First Commonwealth Bank personal checking account at the time of account opening, or 2) have been paid a First Commonwealth promotional credit on a personal checking account using a First Commonwealth promo code in the past 12 months.
Reward Processing: The $200 promotional credit will be deposited into active accounts within 60 days of all requirements being met and identified as “Promotional Credit” on your monthly statement. The value of the reward may be reported on Internal Revenue Service (IRS) Form 1099, and may be considered taxable income. Please consult your tax advisor regarding your specific situation.
Account Terms: The minimum amount to open any Hometown Checking account type is $50. There is no opening deposit required for a Confidence Checking account. Full account terms and conditions will be supplied at account opening. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier, and the minimum balance to earn interest is $500. For example, as of 9/1/2024, APY by tier is: 0.01% for $500-$2,499.99; 0.01% for $2,500-$9,999.99; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account.
2 We don't charge for these services, but standard message, data, and internet service provider rates may apply so check with your carriers.
3 Must have a bank account in the U.S. to use Zelle.
4 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.
5 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.
6 The Confidence Card is an eco-friendly debit card, made from plastic that would have otherwise ended up in our oceans.
7 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.
8 Free access to all First Commonwealth Bank, Allpoint® and Freedom Alliance 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.