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New Account Names

For Former Centric Bank Customers

Our team has worked hard to match your current Centric Bank account(s) with a First Commonwealth account that has similar features and benefits. All accounts changing from Centric Bank are subject to the Terms and Conditions, found in the packet included with this booklet. Your new account terms will take effect on Monday, February 27. If at any time you’d like to review additional options or change your accounts, we’d be happy to help you at a First Commonwealth office or at 800.711.BANK (2265).

Personal Checking Accounts

Centric Account Name

First Commonwealth Account Name

Features Quick View

Affinity Checking

 Hometown Checking

A checking account equipped with free Online Banking and BillPay, Mobile Banking and Mobile Deposit, monthly statements and surcharge-free access to 55,000 ATMs worldwide. There are no monthly balance or deposit requirements. The $2 monthly fee can be waived by enrolling in eStatement delivery.

 

Rewards Checking

Interest Checking

Hometown Checking + Interest

All of the benefits of Hometown Checking PLUS a competitive, tiered interest rate applied to your monthly balance. The $5 monthly service charge will be waived if your deposits to the account total at least $1,000 per statement cycle OR you maintain a minimum total balance of $5,000 daily across your checking, savings, money market or club account(s) that are tied to this account in a relationship.

Golden Rewards Checking

Health Savings Account

Health Savings Account - Family

Manage your family’s medical expenses through our HSA. You can pay expenses by check or debit card and you can manage your account online or through our app. You can even deposit those reimbursement checks using your smartphone. The $4 monthly service charge will be waived for existing Centric Bank HSA accounts.

 

 

Personal Savings & Money Market Accounts

Centric Account Name

First Commonwealth Account Name

Features Quick View

Statement Savings

American Dream

A savings account that rewards you with higher interest rates on your relationship. Get a bump up in your interest rate for each of the following product groupings: Checking or Money Market Account; CD or IRA; Consumer Loan (Installment, Home Equity, Personal Line of Credit, Mortgage or Term/Time and Demand).

Tiered Savings

Grand Opening Savings

Hometown Savings

In addition to earning interest, this savings account provides free overdraft protection on any linked Hometown Checking account.

Holiday Club

Holiday Club

Our holiday club account makes it easy to save year-round for holiday shopping or a dream vacation.

Personal MMDA

Relationship Money Market

 

 

 

 

 

 

Our money market account rewards you with higher interest rates for higher balances with easy access to your money. Earn even higher relationship rates when you also have a Hometown Checking + Interest + Solutions account.

 

 

 

 

 

 

Money Market

Indexed Money Market

Index MMDA

Cash Sweep Account

Index Federal Funds MMA

Doctor Centric Index MMDA

 

Business Checking Accounts

Centric Account Name

First Commonwealth Account Name

Features Quick View

Non-Profit Business Checking (without interest)

Business Checking

This non-interest bearing account provides 500 free items per month, a free business debit card and free image statements. Premium Business Checking customers will continue to receive 800 free items per month. Items are defined as debits and credits.

Rewards Checking Promo

Paragon Escrow Checking

Business Checking

Premium Business Checking

Business Analyzed Checking

Elite Business Checking

 

This account provides a competitive interest rate and 500 free transactions1 per month, a free business debit card and free image statements. Transactions are defined as debits and credits. The $10 monthly service charge can be waived if the account has a minimum daily balance of $2,500.

 

Business Checking (with Account Analysis)

Premium Business Checking (with Account Analysis)

Paragon Interest Escrow Checking

Business Checking Plus

This account provides a competitive interest rate and 500 free items per month, a free business debit card and free image statements. Items are defined as debits and credits. The $10 monthly service charge can be waived if the account has a minimum daily balance of $2,500.

Interest Business Checking

High Yield Non-Profit Account

Non-Profit Interest Business Checking

Municipal Checking (with Interest)

Municipal Checking (without Interest)

Checking Public Funds

This non-interest bearing account features 500 free items per statement cycle with no minimum balance fees. Items are defined as all debits and credits.

Cash Sweep Account

Small Business Sweep

This account is an automated cash management tool that will help you make the best use of your funds by linking your checking account with your savings account. All deposits, ACH items, etc, are processed through the checking account with up to 500 free items per month. Automated transfers from the savings to the checking are limited to six per monthly statement period. Items are defined as all debits and credits.

IOLTA

IOLTA-MJ IOTA

This interest bearing account is available to customers who are covered by the Lawyers Trust Account Act and Minor Judiciary Interest on Trust Account order.

 

 

Business Savings Accounts

Centric Account Name

First Commonwealth Account Name

Features Quick View

Statement Savings

Business Savings

This interest bearing savings account is a great way to invest idle balances with easy access when needed. The $5 service charge per statement cycle is waived with a $500 minimum daily balance. It can also be used to manage your tenant's escrow balance.

Municipal MMDA

Money Market Public Funds

This interest bearing money market account has no minimum balance fees.

Index Federal Funds MMA

Business Money Market

Hometown Money Market

Our money market account rewards you with higher interest rates for higher balances with easy access to your money. The $3 service charge per statement cycle is waived with a $1,000 minimum daily balance

Business MMDA

Business Index MMDA

Doctor Centric Business Index MMDA

Cash Sweep MMA

Indexed Business Money Market