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Personal Checking

 

Checking Accounts

Simple Checking

Life is complicated enough.  Banking should be simple.

  • Low $50 minimum opening deposit
  • No minimum balance fee
  • No monthly service charge when enrolled in eStatements
  • Unlimited check writing
  • Free First Access Online Banking
  • Free Unlimited Online Bill Pay

Simple Checking Options

  • Should you choose to receive a mailed paper statement there will be a $4 service charge per statement cycle.

 

 

First Rewards Checking

A First Rewards Checking account allows customers to earn reward interest on certain balances when monthly requirements are met. Requirements include: enrollment in eStatements, at least 15 point-of-sale transactions posted during the statement cycle, and maintain at least $1,000 daily balance.  Interest will be compounded monthly and will be credited to the account monthly.

  • $1,000 minimum opening deposit
  • Unlimited check writing
  • Account requires eStatements.  There is an un-enrollment fee of $10 each month that the account is un-enrolled in eStatements.

 

 

 

First Traditional Checking

First Traditional Checking is an account for higher balance consumers who prefer to write checks for both expenses and day to day transactions.  The included discount on check orders helps to offset the cost of replacement check orders.

  • Low $50 minimum opening deposit
  • Unlimited check writing
  • Unlimited ATM transactions
  • 10% discount on check orders placed through First Commonwealth Bank
  • Free First Access Online Banking
  • Free Unlimited Online Bill Pay
  • eStatements available
  • No minimum balance fee if balance remains above $1,000 during statement cycle.  Low $7.50 minimum balance fee per statement cycle if balance falls below $1,000 any day during statement cycle.

 

 

First Advantage Checking

Senior Club Account (Age 50 & Over)

Our First Advantage Checking account offers consumers age 50 and over a benefit packed checking account option filled to the brim with convenience and discounts for less than $5 per month.

  • Low $50 minimum opening deposit
  • No minimum balance fee
  • Unlimited check writing
  • Unlimited ATM transactions
  • Free First Access Online Banking
  • Free Unlimited Online Bill Pay
  • eStatements available
  • No fee cashier's checks
  • $20,000 accidental death insurance (Not FDIC Insured. Not Bank Guaranteed. May Lose Value. Not Insured by Any Federal Government Agency. Not a Bank Deposit)
  • $2,500 identity theft insurance (Not FDIC Insured. Not Bank Guaranteed. May Lose Value. Not Insured by Any Federal Government Agency. Not a Bank Deposit)
  • Payment card protection
  • Saver club discount book
  • Coast to coast vision
  • Medical emergency data card
  • Member benefits online
  • $4.95 club service charge per statement cycle

 

 

First NOW Checking

First NOW Checking is a transaction account for customers wishing to earn interest on their balances while also obtaining unlimited transactions and absolute liquidity.  Interest will be compounded monthly and will be credited to the account monthly.

  • Low $100 minimum opening deposit
  • Unlimited check writing
  • Unlimited ATM transactions
  • Free First Access Online Banking
  • Free Unlimited Online Bill Pay
  • eStatements available
  • No minimum balance fee if balance remains above $1,000 during statement cycle.  Only $8 minimum balance fee per statement cycle if balance falls below $1,000 any day during statement cycle.

 

 

Special Security Account (SSA)

SSA is a low cost alternative for persons who need a depository account for direct deposit.

  • $1 minimum opening deposit
  • First withdrawal per statement cycle free; $1 transaction fee for each withdrawal thereafter
  • $3 service charge per statement cycle