; Personal Checking Account Comparisons | First Commonwealth Bank Skip To Content

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

 

Confidence Checking®
 

Open Account
More Info

 

Hometown Checking

Open Account
More Info

Hometown Checking 
+ Interest

Open Account
More Info

Hometown Checking 
+ Interest + Solutions
 

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 $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.
     
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  
 
 
 

See rates in your area 

See rates in your area 
Relationship Money Market Rate
Benefit
6
       
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

 

$2,000 or more in deposits per statement cycle 

 

 

 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.

Your Financial Journey Matters

As a community bank, we want to provide you with resources and solutions to continue on your financial journey. Just enter your email address below and we'll be sure to keep you updated on tools to improve your life. 

We send monthly emails to give our customers updates on rates, banking news and tips. We never sell or share your personal information and promise not to spam you.