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Sharing the Love with Friends and Family

When you love something, you share it, from your favorite song to your favorite bank.

Refer a Friend

If you’re happy and you know it, tell a friend about our referral program.

With Refer-A-Friend Rewards, when your friends and family switch to First Commonwealth and open an account, you'll both get big rewards.1

To get started, just follow two simple steps.

1. Register for rewards 

2. Start inviting friends, family and even businesses to open an account with us

If the people you refer become new customers2, you'll both get a $50 reward card delivered right to your door. If you referred a business, they get $150. It’s a very rewarding reason to make the switch.

Review our FAQ to learn more.

Our partners at ReferLive will track your referrals so continue to share with the ReferLive app3 available from Google Play and the App Store.


1 In order to receive a Reward Card, the person making the referral (Referrer) must register for the program online or call 844-232-4321, agree to the terms and conditions, and submit a valid email address for each referred person or business. In addition, the person or business the Referrer is referring must complete specific account transactions. The maximum reward issued under the program within a calendar year is $500. As a Referrer the person or business you are referring may infer that you are a customer of First Commonwealth Bank.

2 The person or business the Referrer is referring must register for the program online or call 844-232-4321, agree to the terms and conditions, and open a new First Commonwealth Bank personal checking account or business checking account and complete the following within 60 days after account opening:

For a personal checking account, complete at least one of the following:

  • Complete one (1) direct deposit of $250 or more OR
  • Complete ten (10) debit card purchases made at point of sale using your signature or PIN, or a purchase made electronically or online using your debit card number, including recurring payments 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. Credit card cash advance transfers, transfers from one account to another or deposits made at an office or ATM do not qualify as direct deposits. The minimum amount to open a personal account and receive a Reward Card is $50 for a Hometown Checking account or $25 for a SmartPay Card account.

For a business checking account: reach a minimum of $2,000 in 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. Credit card cash advance transfers and transfers from one account to another do not qualify as a deposit. The minimum amount to open a business checking account and receive a Reward Card is $50.

Allow 4-6 weeks after completion of all requirements for delivery of the Reward Card. Reward Card may be reported as income to the IRS. This offer may be discontinued or changed at any time without notice. Variable rate Annual Percentage Yield (APY) for the Hometown Checking +Interest account varies by tier. For example, as of 5/27/2020, 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.

3 We don’t charge for these services but standard message, data, and internet service provider rates may apply so check with your carriers.