First Commonwealth Bank review

Discover the Benefits of First Commonwealth Bank Accounts

Established in 1880, First Commonwealth Bank is an Indiana, Pennsylvania-based financial services company with a long-standing history. Over the years, it has expanded through mergers and acquisitions while maintaining a strong focus on customer service.

At First Commonwealth Bank, there are various checking account options available to cater to different individual and business needs. With an emphasis on online services, interest accounts, fraud protection, and affordable loans, the bank aims to provide modern banking conveniences and user-friendly digital tools.

Customers of First Commonwealth Bank can access their accounts and perform various banking transactions conveniently through the network of branches and online platforms offered by the institution.

In summary, First Commonwealth Bank offers a reliable banking solution that combines its rich history with modern conveniences. Its commitment to customer service, community welfare, and a diverse range of financial services makes it an appealing choice for individuals and businesses.

Now, let’s explore the checking account options provided by First Commonwealth Bank to determine which one best suits your financial needs.

First Commonwealth Bank Checking Accounts

First Commonwealth Bank offers four different checking accounts, each designed to fulfill specific requirements. Let’s delve into the details of each account:

All Personal Checking Accounts at First Commonwealth Bank Feature:

• Total access digital banking, available on your laptop, tablet, and smartphone.
• Mobile Deposit in the mobile banking app.
• Access to Zelle.
• Online bill pay for making and scheduling payments.
• Transfer money between your First Commonwealth Bank accounts or accounts at another financial institution, with the option for one-time or recurring transfers.
• Money Manager, a personal financial management tool.
• Google PayTM, Apple PayTM, Samsung PayTM, FitBit PayTM, and Garmin PayTM.
• SecurLOCK™ Equip, an app that allows you to control your debit card by turning it on or off.
• Free Mastercard® Identity Protection with the debit card, providing alerts on suspicious activity and assistance in resolving any problems.
• Access to more than 55,000 surcharge-free ATMs through Allpoint™ and Freedom Alliance™.
• ClickSWITCH, a service that simplifies the process of moving your direct deposits and payments.
• Account alerts available via email or text messages.

Confidence Checking®

• No overdraft fees ever.
• No opening deposit required.
• No monthly deposit or balance requirements.
• Eco-friendly Mastercard debit card made from ocean-bound plastic, no paper checks, and ability to enroll in eStatements.
• Certified as meeting the Bank On National Account Standards for safe and affordable accounts.
• $5 monthly service charge waived when you complete 5 or more customer-initiated transactions during your statement cycle.

Hometown Checking

A simple account suitable for everyone.

• No monthly deposit or balance requirements.
• Free overdraft protection available from a linked Hometown Savings account.
• Unlimited check writing.
• $2 monthly service charge waived with eStatement enrollment.

Hometown Checking + Interest

An account that earns interest.

• Competitive, tiered interest rates applied to your balance.
• Free overdraft protection available from a linked Hometown Savings account.
• Unlimited check writing.
• $5 monthly service charge if deposits fall below $1,000 per statement cycle.

Hometown Checking + Interest + Solutions

An account that earns interest and provides premium solutions.

• Competitive, tiered interest rates applied to your balance.
• Qualify for relationship interest rates on a Relationship Money Market account.
• 25% discount on expedited bill payment.
• Free overdraft protection available from any of your linked First Commonwealth accounts, including lines of credit.
• Premium debit card benefits with the World Debit™ Mastercard® Debit Card.
• Unlimited check writing.
• $10 monthly service charge if deposits fall below $2,000 per statement cycle.

Learn How to Apply for a First Commonwealth Bank Account

Once you have chosen the most suitable personal checking account, you can either open the account online or schedule a meeting with a bank representative at your convenience.

Let’s move forward and find out how you can apply for a First Commonwealth Bank checking account, taking the next step in the process.

Written by

Claire Harrison