Only spend what you have and never worry about overdraft fees.
Mastercard® debit card made from ocean-bound plastic, no paper checks and enroll in eStatements.
Add your card to your mobile wallet and pay with your phone in person or online.1
$5 monthly service charge can be waived when you use your account the way you want just five times each month.2
No minimum balance required to open.
Access more than 55,000 fee-free ATMs with the AllpointTM and Freedom AllianceTM networks.
Ensuring equal access to safe and affordable bank accounts.
And your card to Apple PayTM, Google PayTM, and more.
Send money to people you know and trust.3
Get the Full Details about Confidence Checking®
- $5 monthly service charge can be waived when you use your account the way you want just five times each month2.
- No minimum balance required to open.
- Get cash at more than 55,000 ATMs without paying fees with the AllpointTM and Freedom AllianceTM networks.
- Meets the Bank On National Accounts Standards, created to ensure equal access to safe and affordable bank accounts.
- Enjoy fee-free check cashing as a customer at our community offices.
- Use online banking and our app to check the balance of your account, transfer money or pay bills.3
- Load your debit card into a mobile wallet (Apple PayTM, Google PayTM, Samsung PayTM, and Garmin PayTM) to pay online or in person with your phone.
- Have a part-time job? Set up direct deposit right from your employer to get access to your paycheck faster.
- Pay your friends back with Zelle3.
- Deposit checks from Grandma or your parents using our app and the camera on your smartphone.
- Set up a savings goal in Money Manager for your first car or college degree, because it's never too soon to start saving.
- Monitor your credit score, understand what impacts your score, and set up alerts to monitor for suspicious activity with Credit Score Manager.
- Enjoy better safeguards against possible identity theft through alerts and monitoring your credit file thanks to Mastercard®4.
- Turn your Confidence Card on and off with SecurLOCK Equip.
- Get text alerts if your account balance dips past your comfort zone.
- Get up to $500 a year for referring friends to us.5
How to Open
Get To Know The Account
Building Your Financial Confidence
Financial Education Resources
Get Alerts
Set up account alerts in Online Banking so you never miss a beat. Learn more.
Know How to Report Fraud
Being able to report fraud quickly will only serve to benefit you in the long run. Find out how.
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. The $5 monthly service charge is waived when you complete 5 or more customer-initiated transactions during the statement cycle. Customer-initiated transactions, including deposits and withdrawals, 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. Bank initiated transactions such as fee assessments/refunds and promotional credits do not count towards the waiver.
3. Must have a bank account in the U.S. to use Zelle.
4. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by General Global Assistance, Inc. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
5. The person making the referral (Referrer) will earn a $50 Mastercard® Reward Card for each individual or business referred (Referred Person or Business) to First Commonwealth Bank, who does not already have a First Commonwealth Bank checking account, registers for the offer, opens a new First Commonwealth personal or business checking account and completes the other requirements within the time specified in the offer. To make a referral, the Referrer must register for the program, agree to these Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person or Business. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Reward Card for each Referred Person or Business who fulfills the requirements (the first Referrer that enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one Reward Card for opening an account and completing the requirements, but may also be eligible as a Referrer. As the referrer, by using the ReferLive, the person you are referring may infer that you are a customer of First Commonwealth Bank.
Personal Account Qualifications: To earn a $50 Mastercard® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank personal checking account after receiving the email or social media offer through the official means of the program. Minimum deposit to open a Hometown Checking account is $50. There is no opening deposit required for a Confidence Checking® account. You must complete at least one of the following requirements within 60 days after account opening.
- Complete one (1) direct deposit of $250 or more, OR
- Complete ten (10) qualifying debit card purchases that must post and clear the account
Qualifying direct deposits may include electronically deposited funds by an employer or an outside agency such as a paycheck, pension, or Social Security. 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. Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier. For example, as of 1/15/2025, APY by tier is: 0.01% for $500+; 0.01% for $2,500+; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank.
Business Account Qualifications: To earn a $150 Masetercard® Reward Card, the Referred Business must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank Business checking account after receiving the email or social media offer through the official means of the program. Minimum deposit to open the account is $50. You must complete the following requirements within 60 days after account opening.
- Complete a minimum of $2,000 in qualifying deposits
Qualifying deposits are new-to-First Commonwealth Bank funds including transfers from another financial institution, deposits made in-branch, at an ATM, or via mobile deposit or remote deposit capture. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank.
IOLTA accounts, MJ-IOTA, and Estate accounts do not qualify for this offer.
Please allow 4-6 weeks after completion of all requirements for delivery of your Mastercard® Reward Card (Bonus) to the physical address provided. Bonus may be reported as income to the IRS. The Bonus offer is not available if the Referred Person or Business already has a First Commonwealth Bank checking account. The program may be discontinued or changed at any time without notice. The Referrer authorizes the sending of communications to each Referred Person or Business. The email may not be recovered if the person has "opted out" of marketing material from First Commonwealth Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. Returned/invalid email addresses and non-deliverable addresses are not the responsibility of First Commonwealth Bank or its third party vendors. The Referred Person or Business acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system. The Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used. Mastercard® is not a participant or sponsor of this promotion.