How to apply for First Commonwealth Bank

Opening an Account with First Commonwealth Bank

With over 100 branch locations and a network of surcharge-free ATMs worldwide, First Commonwealth Bank is a trusted financial institution serving Western and Central Pennsylvania, as well as parts of Ohio. In addition to its physical presence, the bank offers convenient online banking solutions for customers to manage their accounts from anywhere.

If you are interested in opening an account with First Commonwealth Bank, it’s essential to understand the requirements and features of each checking account option:

Requirements for Each Account

Confidence Checking® Account

The Confidence Checking® account is the most accessible option, as it does not require a minimum deposit. To open an account, you simply need your Confidence Card for identification. Don’t forget to bring your driver’s license, state-issued ID card, or county ID when you visit the bank to open an account. The complete terms and conditions will be provided to you during the account opening process.

Hometown Checking Account

If you choose the Hometown Checking account, you will need to meet the following requirements:

• Minimum deposit: $50
• Personal information: You must provide personal information, including your Social Security number and a government-issued ID like a driver’s license.
• Monthly service charge: $2

Hometown Checking + Interest

This account has the same requirements as the Hometown Checking account, except for the monthly service charge. The Hometown Checking + Interest account has a monthly service charge of $5. However, you can waive this fee if you meet certain criteria, such as maintaining a minimum total balance of $5,000 daily across all your checking accounts or depositing at least $1,000 per statement cycle.

Hometown Checking + Interest + Solutions

The Hometown Checking + Interest + Solutions account has a monthly service charge of $10 if your deposits fall below $2,000 per statement cycle. However, you can avoid this fee by completing five or more customer-initiated transactions, enrolling in eStatement delivery, or maintaining a minimum daily balance of $2,000 per statement cycle.

How to Open an Account

If you are an existing customer of First Commonwealth Bank, you can easily open a new account through the bank’s online banking service. Simply log in to your Commonwealth Bank Online Banking service and look for the “Open an Account” option on the green menu bar. Click on the link and answer a few simple questions to initiate the process.

After submitting your application, you will receive confirmation of your application and further instructions from First Commonwealth Bank. This communication will provide details about your new checking account and any additional steps required to finalize the account opening process.

If you prefer to apply in person, you can visit a First Commonwealth Bank branch location. Make sure to bring personal identification, such as a driver’s license or passport, and the necessary funds to open the account.

Explore First National Bank of Pennsylvania for More Options

If you’re interested in alternative banking options, consider checking out the First National Bank of Pennsylvania. Founded in 1857, it has a long-standing presence in Western and Central Pennsylvania, as well as Canton and Columbus, Ohio.

First National Bank offers various personal checking account options with unique features and benefits, such as the eStyle account, eStyle Plus account, Freestyle Checking, Lifestyle Checking, and Premierstyle Checking. For example, the eStyle account, which is its most popular checking account, offers the following benefits:

• No overdraft fees
• No paper checks
• Free Visa® debit card with free Apple Pay®, Samsung Pay®, or Google Pay™
• Surcharge-free cash access at more than 1,350 FNB ATMs
• Convenient and free deposits at FNB branches, ATMs, or through Mobile Banking

Written by

Claire Harrison