Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
The Monthly Service Fee of $2.00 can be waived by enrolling in eStatements.
$2.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at over 55,000 Allpoint Network ATM and all Freedom Alliance ATM locations.
Yes
Non-affiliated ATM Usage Fee
There is a $2.50 fee each time you use an unaffiliated ATM. No surcharge fee at Allpoint ATMs or Freedom Alliance ATMs.
$2.50/per use
International ATM Usage Fee
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.- A Blackberry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- Text alerts for balances and account activity.
Free
Deposit Checks with Mobile Phone
This application is available for iPhone, Blackberry and Android mobile devices. Customers must have a 30-day established relationship with First Commonwealth Bank in order to qualify for this service.
Free
Person-to-Person Payments
Free thru Zelle
Free
Email Alerts
First Commonwealth offers these email alerts:- Billpay reminders and confirmations; - When your account goes below a specified balance and more.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
There is a $3.00 monthly fee to receive images of canceled checks with monthly statements.
$3.00/month
Online Statements
You can receive monthly statements electronically, but if you do, you will not receive statements by mail.
Yes
Online Check Images
Yes
Overdrawing the Account
Negative Balance Fee
A negative balance fee of $8.00 will be charged each day beginning the fourth consecutive day the account is in a negative balance.
Yes
Returned Item Fee
The Insufficient Funds Fee is $35.00 per overdraft.
$35.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Hometown Savings Account:- No transfer fee, funds are transferred to bring the account balance to $0.00.From a linked alternate deposit account:- Transfer fee of $15.00 per transfer;- Funds are transferred to bring the account balance to $0.00.From a linked Overdraft Line of Credit:- An annual fee of $20.00 may apply;- Transfer fee of $15.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.