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Anywhere Everywhere Access

The right debit cards for keeping your life moving, from buying groceries to paying for gas.

Personal Debit Cards From First Commonwealth Bank

Special Checking Promotion: New checking account customers can earn $2001 when you open online or by phone and use offer code FCB22024. Learn more.

Debit cards offer the freedom you want and the convenience you need in an increasingly technology-focused society. With a debit card, you can pay for purchases, set up account withdrawals to pay your bills, shop online and more. Businesses across the country and around the world accept our personal debit cards, and you can use them on the go to fit into your busy schedule. When you get a debit card from First Commonwealth Bank, you can relax knowing you’re in good hands.

You can use your debit card virtually anywhere, and you can always gain access to your money. The card's flexibility makes it a perfect addition to anyone’s pocket.

You maintain accountability for your spending with a debit card, too. You can check your account balance online or at the ATM. You have easy access to your banking information and can see where you spent your money. This ability allows you to budget better and track your purchases with greater confidence.

You receive important security safeguards with our debit cards. With identity theft a growing threat, we provided added protection. You can ask us to deactivate a card if you suspect any fraudulent charges have been put on your account. Just contact us, and we can take care of it, or turn your card off in the SecurLOCK Equip app. Your Mastercard® debit card also includes Click to Pay which encrypts your information when using your debit card online. Your security and confidence remain our main priority no matter what.

Stay in Control of Your Money

When you have your debit card from our bank, you control who can access it. If you lose the card, call us immediately, and we can disable it or you can turn it off with the SecurLOCK Equip app. With your debit card, you can access more than 55,000 ATMs that don’t charge fees thanks to the Allpoint and Freedom Alliance ATM networks.

Overdraft Protection Plans

Even the most financially savvy customers can make mistakes sometimes. You can get the peace of mind you need to protect yourself and your money from financial mishaps when you use our overdraft protection options.2 We have your back.

We do not authorize and pay overdrafts for ATM and everyday debit card transactions unless you choose to opt in to our Standard Overdraft Coverage for these transactions. Standard Overdraft Coverage is when we pay overdrafts against your account at our discretion. When you opt in, an overdraft or Non-Sufficient Funds fee is charged, depending on if we pay or return the transaction for non-sufficient funds.3

You can avoid overdraft or non-sufficient funds fees by linking2 the account that your debit card is connected with to another method of payment, such as:

  • A savings or money market account 3
  • A line of credit
  • Another checking account

Visit our Overdraft Information page for more information on our Overdraft Protection options and Standard Overdraft Practices.

Apply for a Debit Card Online

You can add your debit card to a new checking account without even stepping foot inside one of our conveniently located First Commonwealth Bank branches. Apply today online to receive your debit card by opening a checking account. 

Personal Debit Card Options

Our Mastercard® debit cards let you bank and buy with security and confidence, including the ability to lock your debit card with SecurLOCKTM EQUIP and tap & go® at checkout with our contactless technology. And with Mastercard®, you have access to awesome benefits like ShopRunner, and Mastercard® Click to Pay. To get a debit card, just visit your local office or call us at 800-711-BANK (2265).

The money in your First Commonwealth Bank Hometown checking account can be accessed using a Mastercard® debit card. Our Hometown Checking + Interest + Solutions account holders receive a World Debit Mastercard® card, which doubles the warranties on purchases, protects you against damaged or broken products, identity theft resolution services and more.

Our Confidence Card is a checkless account equipped with a Mastercard® debit card that's easy to use and gives the control you need to manage your money with greater confidence. 

Our debit cards can be added to Apple PayTM, Samsung PayTM, Google PayTM, Fitbit PayTM and Garmin PayTM for even faster checkout.

Personal Debit Card Features and Benefits



Debit Card

Guide to Benefits

World Debit

Guide to Benefits

Confidence Card

Features and Fees

tap & go® Contactless Technology      
Surcharge-FREE ATMs       
Apple PayTM, Samsung PayTM and Google PayTM      
Fitbit PayTM and Garmin PayTM      
Mastercard® Perks 
Added Security 
Enhanced ID Theft Protection      
Chip Technology      
Mastercard® Click To Pay       
Additional Perks
Extended Warranty Coverage      
Purchase Assurance Coverage      
Satisfaction Guarantee Coverage      
Mastercard® Global Service      

Want to be sure which debit card is right for you? 

Access Our Account Recommendation Tool

Get in Touch Today to Discuss Our Resources

Now is the time to embrace the advantages and opportunities that come from owning a new debit card and conveniently making payments, whether on the go or when shopping online. We can walk you through the differences between our cards and the benefits of each one to help you make your decision. Open an account today to get started, or schedule an appointment to address any questions you may have.

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 8/31/2024 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 6/1/2024, 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 Overdraft transfer services are limited to the available balance in the linked account. A transfer fee may apply. 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.

3 The number of free withdrawals or transfers from a savings or money market account to another bank account of yours or to a third party by means of a preauthorized agreement, by telephone, online banking or initiated by check, draft, debit card, or similar order to a third party are limited to six (6) per statement cycle. This includes overdraft transfers. An Excessive Transaction Fee of $6.00 may be charged to the savings or money market account for each debit paid in excess of six (6) during a statement cycle.

Mastercard® and tap & go are registered trademarks, and the circle design is a trademark, of Mastercard® International Incorporated.

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