Checking Accounts First Premium Checking First Traditional Checking First Now Checking First Choice Checking Free Checking Special Security Account (SSA) Money Market Savings Accounts First Premium Savings First Traditional Savings Club Accounts Business Accounts Business Checking Business and Professional Loans Other Business Services: Equipment Leasing SIMPLE IRAs Merchant VISA First Access Internet Service Investment Accounts Marketline/Certificate of Deposit Individual Retirement Accounts Other Services Automated Teller Machines ATM Check Card Automatic Transfer Direct Deposit Safe Deposit Boxes Keep in Touch –24 Hour Account Info Visa Classic Credit Card Overdraft Protection First Reserve First Transfer Loans Mortgage Loan Auto & Other Personal Loans Lot & Construction Financing Order Checks

First Premium Checking

• Low $50 Minimum Opening Deposit
• Unlimited Check Writing
• Unlimited ATM Transactions (no fee at FCB ATMs)
  
• No First Commonwealth Bank Fee For ATM/Check Card Point of Sale Transactions
• Free Specialty Checks (2 orders per year)
• Free First Access Online Banking
• Statement With Imaged Checks
• Binder for Statements
• No Fee Traveler's Checks
• No Fee Notary Service
• Discounts on Certain Consumer Loans
• Eligible for First Premium Savings Account
• First Reserve & First Transfer Overdraft Protection (available, requires signup & approval)
• ATM/Check Card - No Monthly Fee
• No Additional Charge for a Paid Overdraft
• $10.00 per month
  
  First Premium Checking Options
  First Access Internet Service $12.95/month
  Unlimited Online Bill Pay $4.95/month
  
  

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First Traditional Checking

• Low $50 Minimum Opening Deposit
• Unlimited Check Writing
• Unlimited ATM Transactions (no fee at FCB ATMs)
  
• No First Commonwealth Bank Fee For ATM/Check Card Point of Sale Transactions
• First 50 Starter Checks Ordered Free
• 10% Discount on Check Orders
• Free First Access Online Banking
• Statement With Imaged Checks
• Binder for Statements
• First Reserve & First Transfer Overdraft Protection (available, requires signup & approval)
• If Age 62 or Over & Retired - No Minimum Balance Fee and No Monthly Service Charge
• ATM/Check Card - No Monthly Service Fee
• No Monthly Service Charge if Balance Remains Above $1,000 During Statement Cycle; Low $5.00 Monthly Service Charge if Balance Remains Between $500 and $1,000 During Statement Cycle; Low $7.50 Monthly Service Charge if Balance Falls Below $500 During Statement Cycle
  
  First Traditional Checking Options
  First Access Internet Service $15.95/month
  Unlimited Online Bill Pay $4.95/month
  
  
  

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First Now Checking

Interest Bearing Transaction Account
Low $100 Minimum Opening Deposit
Unlimited Check Writing
Unlimited ATM Transactions (no fee at FCB ATMs)

No First Commonwealth Bank Fee For ATM/Check Card Point of Sale Transactions
First 50 Starter Checks Ordered Free
Free First Access Online Banking
Statement With Imaged Checks
Binder for Statements
First Reserve & First Transfer Overdraft Protection (available, requires signup & approval)
ATM/Check Card - No Monthly Service Fee
No Monthly Service Charge if Balance Remains Above $1,500 During Statement Cycle; Low $7.50 Monthly Service Charge if Balance Falls below $1,500 During Statement Cycle

First Now Checking Options
First Access Internet Service $15.95/month
Unlimited Online Bill Pay $4.95/month

First Choice Checking

• Low $50 Minimum Opening Deposit
• No Minimum Balance Fee
• Unlimited ATM Transactions (no fee at FCB ATMs)
  
• No First Commonwealth Bank Fee For ATM/Check Card Point of Sale Transactions
• First 50 Starter Checks Ordered Free
• Free First Access Online Banking
• Statement With Imaged Checks
• Binder for Statements
• First Reserve & First Transfer Overdraft Protection (available, requires signup & approval)
• All Electronic Transactions Free - ACH, ATM, ATM/Check Card, Point of Sale
• ATM/Check Card - No Monthly Service Fee
• First 5 Paper Debits, Including Checks, Each Month Free; Minimal Charge of .40 Per Debit Thereafter
  
  First Choice Checking Options
  First Access Internet Service $17.95/month
  Unlimited Online Bill Pay $6.95/month
  
  
  

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Free Checking

• Low $50 Minimum Opening Deposit
• No Minimum Balance Fee
• No Monthly Service Charge
• Unlimited Check Writing
• Unlimited ATM Transactions With Option Package (no fee at FCB ATMs)
• No First Commonwealth Bank Fee For ATM/Check Card Point of Sale Transactions
• No Canceled Checks or Images to Store
• Monthly Statement
• Free First Access Online Banking
• First Reserve & First Transfer Overdraft Protection (available, requires signup & approval)
• Minimum Number of Checks Required Per Check Order
  
  Free Checking Options
  ATM/Check Card and Image Statement $3.00/month
  First Access Internet Service $19.95/month
  Unlimited Online Bill Pay $6.95/month
  
  
  

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Special Security Account (SSA)
SSA is a low cost alternative for persons who need a depository account for direct deposit.

• Special Security Account
• Minimum opening deposit is $1.00
• No checks.
• $3.00 monthly fee
• 1st over-the-counter withdrawal is free ($1.00 thereafter)
• Unlimited free ATM withdrawals at First Commonwealth Bank ATMs
  
  

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First Premium Savings
A First Premium Savings Account is a premium interest-earning account for First Premium Checking Account customers. Interest is accrued daily, paid quarterly and there is no fixed maturity date.

Minimum opening deposit of $100.00
A minimum daily balance of $100.00 must be maintained to obtain the disclosed annual percentage yield

First Traditional Savings
A First Traditional Savings account is an interest-bearing relationship, with interest accrued daily, paid quarterly, and there is no fixed maturity date.

• Minimum opening deposit of $100.00
• A minimum daily balance of $100.00 must be maintained to obtain the disclosed annual percentage yield
  
  
  

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Club Accounts - Christmas/Vacation
Club accounts allow funds to be set aside on a regular basis throughout the year to provide for the Christmas season or for vacation expenses.

• No minimum opening deposit
• A minimum daily balance of $100.00 must be maintained in the account to obtain the annual percentage yield
• Maturity dates are: October 31, Christmas Club; April 22, Vacation Club
• Funds will be distributed in the form of checks or may be automatically transferred to a First Commonwealth Bank account
  
  
  

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Business Checking
Business Checking provides check writing and depositing capabilities and now the convenience of the Business Debit Card.

• Minimum opening deposit is $100.00
• Monthly Maintenance Fee is $9.00
• Variable average collected balance credit
• Charges are:
  $.15 per check paid
  $.10 per transit item deposited
• Return item fee is $5.00 each
  
  

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Business and Professional Loans

• Commercial Real Estate
• Commercial Real Estate Construction
• Small Business Development Loans
• Commercial Equipment Financing
• Accounts Receivable Financing
• Short Term Operating Loans
• Letters of Credit
• Small Business Administration Loans
  
  
  

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Other Business Services

• Equipment Leasing
  First Commonwealth Bank leases equipment. There are advantages to leasing. One is that the timing of lease payments can be scheduled to concur with cash receipts so new equipment pays for itself as it is used to produce additional company revenue.
• SIMPLE IRAs
  To narrow the gap between Social Security income and retirement expenses, it is important to consider a retirement plan for your company. The Savings Incentive Match Plan for Employees, or SIMPLE, is designed for small-business owners with 100 or fewer eligible employees.
  Advantages of a SIMPLE - IRA Plan Include:
  1. Enables participants to save for retirement while saving on taxes
  2. Provides a retirement investment vehicle for employees along with employer matching contributions
  3. Retains and attracts valuable employees
  4. Provides an easy way to administer a retirement plan with no IRS plan reporting requirements
  5. Eliminates most large up front and administrative expenses that accompany most 401(k) plans
• Merchant VISA
  Allow Fist Commonwealth Bank to set up your business to accept VISA. Contact a Customer Services Representative today at (606) 886-2321 for more information on setting up your Merchant VISA.
  
  
  

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Marketline/Certificate of Deposit
Certificate of Deposit accounts are interest bearing time accounts.

• Minimum investment is $500
• CDs are automatically renewable
• Maturity range: 11-29 days, 1 month, 2 months, 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months
  
  
  

Individual Retirement Accounts
IRAs allow funds to accumulate for future use with tax-deferred savings today. Choose from any of the following individual plans:

• Traditional - a tax-deferred, tax-deductible IRA
• Roth - a non-tax -deductible IRA with tax-free earnings
• Non-deductible - a non-tax-deductible IRA with tax-deferred earnings
• Education - a non-tax-deductible IRA with tax-free earnings for the benefit of a child's education
  
  
  (maximum annual contributions apply to specific IRA plans)

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Automated Teller Machines (ATMs)
The automated teller machines (ATMs) offer you 24-hour access to cash from your checking or savings account at six convenient locations.

Allows 24-hour access to accounts to make withdrawals, deposits, and payments
Transactions can be made wherever STAR, MAC or Cirrus symbols are located
No fee at a First Commonwealth Bank ATM
$1.00 fee for using a non-First Commonwealth Bank ATM
ATM locations include: Main Office, Northside Branch, Betsy Layne Branch, Martin Branch, and Highlands Regional Medical Center

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ATM Check Card
The card that acts like a check, only better! Allows a larger buying capacity for customers without needing identification or the hassle of check writing. The ATM Check Card can be used to access any STAR, MAC or Cirrus ATM, plus you can use it to shop at stores wherever VISA is accepted.

No fee at a First commonwealth Bank ATM
$1.00 fee for using at a non-First Commonwealth Bank ATM
$2.00 issuance fee

Automatic Transfer
This service allows funds to be transferred between existing First Commonwealth Bank accounts on a weekly, monthly, quarterly, semi-annual, or annual basis without visiting or calling the bank (i.e. loan payments can be automatically deducted from a checking account). There is no charge for this service.

Direct Deposit
A free service to customers that assures convenience, safety, and quick access to payroll, retirement or government checks.

Safe Deposit Boxes
This service provides a safe place to keep your valuable papers. Safe deposit boxes are available at our Main Office, Betsy Layne, and Northside locations.


KEEP IN TOUCH – KIT LINE- 24 HOUR ACCOUNT INFORMATION
Our KIT line provides 24 hour account access. You can make balance inquiries, transfer funds, make loan payments, review transactions, check on interest paid and/or earned year-to-date and in the prior year, plus a whole lot more! 886-7229, locally OR 1-888-762-4331.


VISA Classic Credit Card.
First Commonwealth Bank offers VISA Classic Credit Cards with NO Annual Fee.

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First Reserve Overdraft Protection Line
Committed line of credit for overdrafts. Amount of available credit line is reflected in the available checking account balance. Requires application and approval. Annual fee applies

First Transfer Overdraft Protection
Automatic transfer from your savings account in $100 increments to cover overdraft items. Requires application. Usage fee applies.

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