New Account Names

Our team has worked hard to match your current CenterBank account(s) with a First Commonwealth account that has similar features and benefits. All accounts changing from CenterBank are subject to the Terms and Conditions found in the packet included with this booklet. Your new account terms will take effect on Monday, June 9. 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

CenterBank Account Name	First Commonwealth Account Name	Features Quick View
Basic Checking	Hometown Checking	A checking account equipped with free Online Banking and BillPay, Mobile Banking and Mobile Deposit, monthly statements, and fee-free access to 55,000 ATMs. There are no monthly balance or deposit requirements. The $2 monthly service charge can be waived by enrolling in eStatement delivery.
Really Free Checking	Hometown Checking
Velocity Checking	Hometown Checking + Solutions	All of the benefits of Hometown Checking plus free overdraft protection from any of your linked First Commonwealth accounts, including lines of credit (Please see the 'Terms and Conditions' booklet), Mastercard^® World Debit Card, and a discount on rush BillPay payments. CenterBank accounts converted to the Hometown Checking + Solutions will also receive 3 non-network ATM withdrawal fees per month waived by us. 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. This account type is no longer available for opening; your account is being grandfathered into it because it offers features that are similar to what you have with your account today.
Optimum Checking	Hometown Checking Premium	All of the benefits listed in the two accounts above, plus all non-network ATM fees are waived by us. You can also qualify for higher Relationship Money Market rates and an annual fee waiver on Brokerage IRAs. There are three options for waiving the $15 monthly service charge: • Your deposits to the account total at least $2,000 per statement cycle • You maintain a minimum total balance of $10,000 daily across your checking, savings, money market or club account(s) that are tied to this account in a relationship • You have an active military or veteran ID card.
Health Savings Account	Health Savings Account	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. The $4 monthly service charge will be waived with a $500 minimum daily balance.

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First Commonwealth Account Name

Features Quick View

Basic Checking

Hometown Checking

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

Really Free Checking

Velocity Checking

Hometown Checking
+ Solutions

All of the benefits of Hometown Checking plus free overdraft protection from any of your linked First Commonwealth accounts, including lines of credit (Please see the 'Terms and Conditions' booklet), Mastercard^® World Debit Card, and a discount on rush BillPay payments. CenterBank accounts converted to the Hometown Checking + Solutions will also receive 3 non-network ATM withdrawal fees per month waived by us. 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. This account type is no longer available for opening; your account is being grandfathered into it because it offers features that are similar to what you have with your account today.

Optimum Checking

Hometown Checking
Premium

All of the benefits listed in the two accounts above, plus all non-network ATM fees are waived by us. You can also qualify for higher Relationship Money Market rates and an annual fee waiver on Brokerage IRAs. There are three options for waiving the $15 monthly service charge:

• Your deposits to the account total at least $2,000 per statement
cycle

• You maintain a minimum total balance of $10,000 daily across your checking, savings, money market or club account(s) that are tied to this account in a relationship

• You have an active military or veteran ID card.

Health Savings Account

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. The $4 monthly service charge will be waived with a $500 minimum daily balance.

Personal Savings & Money Market Accounts

CenterBank Account Name	First Commonwealth Account Name	Features Quick View
Savings Account	American Dream	A savings account that rewards you with higher interest rates based on your relationship. Get a bump up in your interest rate for each of the following three 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)
Savings Special Account	American Dream
Young Savers Account	Tower Savers	An interest-bearing savings account that helps promote financial confidence for children and teens. No monthly service charge through age 21.
Money Market Investment	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 Premium account.
Promotional Money Market
Anniversary Money Market
Money Market Special Investment
Money Market IRA	IRA Savings	An account to help save for your retirement in a tax-advantaged way. Additional contributions of at least $25 can be made at any time, up to the annual maximum eligibility amount.
Ohio Homebuyers Plus	Ohio Homebuyers Plus	This is a tax-advantage savings account for Ohioans to use on their homebuying journey. It offers above- market interest rates that will help you to save and grow your money faster.

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First Commonwealth Account Name

Features Quick View

Savings Account

American Dream

A savings account that rewards you with higher interest rates based on your relationship. Get a bump up in your interest rate for each of the following three 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)

Savings Special Account

Young Savers Account

Tower Savers

An interest-bearing savings account that helps promote financial confidence for children and teens. No monthly service charge through age 21.

Money Market Investment

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 Premium account.

Promotional Money Market

Anniversary Money Market

Money Market Special Investment

Money Market IRA

IRA Savings

An account to help save for your retirement in a tax-advantaged way. Additional contributions of at least $25 can be made at any time, up to the annual maximum eligibility amount.

Ohio Homebuyers Plus

This is a tax-advantage savings account for Ohioans to use on their homebuying journey. It offers above- market interest rates that will help you to save and grow your money faster.

View Personal Account Comparisons

Business Checking Accounts

CenterBank Account Name	First Commonwealth Account Name	Features Quick View
Free Business Checking (without Treasury Management)	Business Checking	This non-interest-bearing account provides 250 free items per month, a free business debit card and free online and mobile banking with BillPay.
Small Business Checking (without Treasury Management)
Commerical Checking (without Treasury Management)
Sweep Account (without Treasury Management)
Non-Profit Checking
Free Business Checking (with Treasury Management)	Business Checking Analysis	This non-interest-bearing checking account is for businesses with high transaction volumes or Treasury Management needs. Fees are based on account usage and may be offset by earnings credit.
Small Business Checking (with Treasury Management)
Commercial Checking (with Treasury Management)
Sweep Checking (with Treasury Management)
Concentration Account
Non-Profit Checking with Interest	Business Checking Plus	This account provides a competitive interest rate as well as 250 free items per month, a free business debit card and free online and mobile banking with BillPay. The $10 monthly service charge can be waived if the account has a minimum daily balance of $2,500.
IOLTA Checking	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.

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First Commonwealth Account Name

Features Quick View

Free Business Checking (without Treasury Management)

Business Checking

This non-interest-bearing account provides 250 free items per month, a free business debit card and free online and mobile banking with BillPay.

Small Business Checking (without Treasury Management)

Commerical Checking (without Treasury Management)

Sweep Account (without Treasury Management)

Non-Profit Checking

Free Business Checking (with Treasury Management)

Business Checking Analysis

This non-interest-bearing checking account is for businesses with high transaction volumes or Treasury Management needs. Fees are based on account usage and may be offset by earnings credit.

Small Business Checking (with Treasury Management)

Commercial Checking (with Treasury Management)

Sweep Checking (with Treasury Management)

Concentration Account

Non-Profit Checking with Interest

Business Checking Plus

This account provides a competitive interest rate as well as 250 free items per month, a free business debit card and free online and mobile banking with BillPay. The $10 monthly service charge can be waived if the account has a minimum daily balance of $2,500.

IOLTA Checking

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 & Money Market Accounts

CenterBank Account Name	First Commonwealth Account Name	Features Quick View
Business 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.
Business Savings Special
Business Savings Promo
Business Savings Spectacular
Money Market Investment	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 Money Market Special	Hometown Money Market
ICS Savings	Insured Cash Sweep MMDA	An Insured Cash Sweep Money Market can give you peace of mind knowing your funds have full FDIC insurance. Insured Cash Sweeps are interest-earning accounts, so you can still benefit from a competitive interest rate on your funds.

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First Commonwealth Account Name

Features Quick View

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.

Business Savings Special

Business Savings Promo

Business Savings Spectacular

Money Market Investment

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 Money Market Special

ICS Savings

Insured Cash Sweep MMDA

An Insured Cash Sweep Money Market can give you peace of mind knowing your funds have full FDIC insurance. Insured Cash Sweeps are interest-earning accounts, so you can still benefit from a competitive interest rate on your funds.

View Business Account Comparisons