Debit Card FAQs
Do I pay a fee for using a First Commonwealth ATM?
Nope! You can use our map to find a list of our ATM locations.
Where can I use my debit card?
Anywhere you see the Mastercard® logo, which is at more than 20 million merchants worldwide.
Do I pay a fee when I use my debit card?
No fees are charged. However, when using your card internationally you may be assessed a cross border and/or a currency conversion fee from the Mastercard® Network. These fees are passed through directly to the cardholder and are the cardholder's responsibility.
Should I select debit or credit when using my debit card?
You can select either debit or credit. No matter which choice you make, the money will be deducted directly from your checking account balance. We suggest you select credit so that your transaction will be processed quickly through the Mastercard® network.
What do I do if I lose my Debit Card?
If you don't yet have the SecurLOCKTM Equip app, immediately notify our Engagement Center at 800-711-BANK (2265). For after hours, please call our automated banking line at 1-888-711-BANK (2265) and select the option to report a lost or stolen card.
If you have the SecurLOCKTM Equip app, simply swipe your card to turn it off, and then notify us at the number listed above.
How do I keep track of debit card purchases?
Online Banking and mobile banking are the perfect tools for tracking your purchases, as well as keeping your receipts in a safe place until you add them to your checking account register. You can also look at your monthly account statement to view all of your transactions.
SecurLOCKTM EQUIP FAQs
What is required to use it?
SecurLOCK™ EQUIP requires you have a First Commonwealth debit card and an Apple or Android smartphone. After downloading the app from the Apple App Store or Google Play Store, you will be instructed to enter your full account number then other authentication information. Once registered, you can begin using the app right away.
Is there a fee to use the app?
Nope! It is provided to you free so you have more control over your card.
How many cards can I register?
As many as you'd like. But the debit card(s) must have been issued from us. First Commonwealth credit cards and ATM only cards are not eligible.
What if I am having trouble during registration?
Just click the Contact Us button at the bottom of the app and our Engagement Center staff will be more than happy to assist you.
Why do you need my email address?
Your email address will be used in case you forget your password and need to reset it.
Once I register my card how do I begin managing and monitoring my payment activity?
By turning the card off, the little green button in the top right corner of the card image will turn to red. This means that all transactions (except for reoccurring) will be declined. When you're ready to make a purchase, simply swipe the card back on. It is that easy. Now you have the ultimate control to combat fraud.
After you become comfortable with the on/off function you can start selectively setting controls and alerts by channel (in-store, online, mobile, ATM, etc.). You can also set transaction spend limits, select geographic locations where the card can be used, set specific merchant categories, view recent transaction history, receive real-time alerts and much more.
What is a real-time alert?
It is an immediate notification sent to the app. You can select to be alerted on all your payment transactions including recurring payments or you can select just preferred transactions. Lots of customers use alerts for spend limits, location, transaction type and merchant category.
How long does it take for a control or alert setting to take effect?
It happens immediately after you set and save the option.
If I have my card turned off will my recurring transactions go through?
Yes. Merchant recurring transactions will be approved. Additionally, you can select to receive alerts on recurring transactions as well.
Can I use My Location, My Region and International at the same time?
Where My Locations and My Region work independently or together neither can be used in conjunction with International.
I turned my card on and set My Location. I was at the merchant, and my transaction was still declined. Why?
In the app, go to Transactions, find the one that was denied and open it, tap the image so it rotates, and the control(s) that were evoked during the authorization will be listed near the bottom. The transaction could also be declined because of external factors like non-sufficient funds or fraud monitoring.
What are Alert Preferences?
Alert preferences let you know every time a card transaction is attempted. You can be alerted for all or preferred transactions.
My alerts are supposed to notify me of every transaction, but I am not receiving them.
Only the primary device will receive alerts. Use the settings menu in the app to set your device as primary.
What is the Age Restricted merchant control?
This could be used to prevent purchases of age restricted items such as alcohol.
How is the Spend Limit control impacted by card limits set by First Commonwealth?
The app cannot change the limits set by the bank.
I received a new card number. Will it be automatically updated in the app?
You will have to add the new account to the app. This can be done by going to Manage Account and adding the card. Be sure to "unmanage" the old card.
How long will my transaction history display?
The last 50 transactions will display in the app for thirty calendar days.
My pending purchase shows it is for more than I paid. Why?
Some merchants send pre-authorizations at higher amounts to test cards' validity. For example, a $25 gas purchase might display as $126. Pre-authorizations are common at the pump, for a hotel stay, or for a car rental. Even though the charge is listed in the app for more, it will clear your account for the correct amount.
I only want to manage one of my cards, but they're all being displayed.
To select the card(s) you wish to manage, go to Settings and choose Manage Cards. Then uncheck the card or cards you don't want to manage. Once a card is unmanaged, controls and alerts cannot be set for that card.