Refer a Friend FAQs
How can I register to start referring?
There are multiple ways that you can register:
- Online at fcbanking.com/referafriend
- On a smartphone by downloading the ReferLive App in your app store
- At your local First Commonwealth community office
- Call ReferLive at 844-232-4321
How can I invite friends?
Login to your account at ReferLive.com or download the ReferLive App to start sharing. You can email or text a link to specific friends, or share the link on Facebook or Twitter. You can also contact your local First Commonwealth office and we'd be happy to submit a referral for you.
What information do I need to provide when making a referral?
The required information depends on which method you use to make the referral.
When sending a referral email from your ReferLive.com or ReferLive App account:
- first and last name, email address
When sending a text message from the ReferLive App:
- mobile phone number
When making a referral at a First Commonwealth office:
- first and last name, physical address, email address, phone number
When sharing your referral link on social media:
- no specific information is needed; simply share the link with your network of friends
Can I refer a family member?
Yes. You can refer anyone as long as they do not already have a First Commonwealth checking account.
Can I refer a business?
Yes. You will earn a $50 Reward Card and the referred business will earn a $150 Reward Card once all qualification requirements are met.
How many friends can I invite?
You can make an unlimited number of referrals; however, you can only earn up to ten (10) Reward Cards ($500 value) within a calendar year.
Do the people that I refer have to register to qualify for the Reward Card?
Yes. You must provide an email address for the friends or family members that you are referring, or send them a link from your ReferLive.com Member Portal. They will receive an email to complete their portion of the online registration.
What is required of the people that I refer in order to qualify for the Reward Card?
Once registered with ReferLive, the person you referred would need to open a First Commonwealth checking account and complete the qualification requirements within 60 days after account opening.
What are the qualification requirements for a personal checking account?
After opening a new Hometown Checking or SmartPay Card account, the referred individual must complete at least one of the following within 60 days after account opening:
- Complete one (1) direct deposit of $250 or more. 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. 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. Payments must be posted and cleared to qualify.
What are the qualification requirements for a business checking account?
After opening a new business checking account, the referred individual must reach a minimum of $2,000 in cumulative deposits within 60 days after account opening. Credit card cash advance transfers and transfers from one account to another do not qualify as a deposit.
How will I know if the people that I referred opened an account and met the qualifications?
To protect the privacy of all of our customers, we will not be able to share account information with you. If the person that you referred has opened an account but is unsure if they met the qualification requirements, they can contact us directly at 800-711-BANK (2265).
I received a referral email from ReferLive. What do I need to do to qualify for a Reward Card?
- Complete your registration at fcbanking.com/referafriend
- Open a new personal or business checking account
- Complete the qualification requirements within 60 days after account opening
I received a referral email from ReferLive, but I already have a checking account at First Commonwealth. Can I still qualify for a reward?
This offer is only available to individuals who do not already have a First Commonwealth Bank checking account. However, current checking clients can receive up to 10 Rewards Cards ($500 value) within a calendar year by referring friends and family members.
I received a Reward Card for opening a new account. Am I eligible to receive another Reward Card if I refer someone else?
Yes. You can only receive one Reward Card for opening an account and completing the requirements, but you may also receive up to ten (10) Reward Cards ($500 value) within a calendar year when you refer your friends and family members.
When will I receive my Reward Card?
Please allow 4-6 weeks after completion of all requirements for delivery of your Mastercard® Reward Card (Bonus) to the physical address provided.
How will I receive my Reward Card?
Your Mastercard® Reward Card will be mailed to the physical address provided during registration. If your address changed since you registered, you should update it by logging into your account at referlive.com or on the ReferLive mobile app.
Who do I contact if I have questions or issues with my Reward Card?
If an excessive amount of time has passed after the 4-6 week period and you still have not received your Reward Card, please contact the ReferLive Customer Service team by email at firstname.lastname@example.org or by phone at 615-864-7520. Customer Service hours are 9:00 a.m. - 6:00 p.m. Monday through Friday.
Hopefully we were able to answer any questions you had, but we are here to help if you have more. Our Engagement Center can be reached at 1-800-711- BANK (2265) from 7:00 a.m. - 9:00 p.m. Monday through Friday and 8:00 a.m. - 5:00 p.m. on Saturday and Sunday.