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Free Checking Certificate of Deposit Business First Free Checking
Student First/First Choice Checking Individual Retirement Accounts First Traditional Business Checking
First Traditional Checking   First Now Checking
First Advantage Checking Money Market Accounts
First Now Checking First Mortgage Loan Commercial Loans and Lines
First Premium Checking Secondary Market Mortgage Equipment Leasing
Special Security Account  Construction & Land Loans Repurchase Agreements
  Home Equity Line of Credit Small Business Retirement Plans
Mortgage Insurance Products  
First Money Market Plus    
First Investment Tiered Money Market  
  ATM's  
First Access FREE Online Banking  
First Traditional Savings First Access FREE Online Bill Pay  
First Premium Savings Commercial Online Banking  
Club Accounts E-Statements  
Kids First Savings Telephone Banking  
Health Savings Accounts (HSA's) First Reserve Overdraft Protection Line  
  First Transfer Overdraft Protection  
     




Free Checking

FREE Checking offers a cost-free, no-frills account for today’s consumer while providing the convenience of Online Banking and Bill Pay giving you access to your account from work, school or home.

  • No Minimum Balance Fee

  • No Monthly Service Charge

  • Unlimited Check Writing

  • No First Commonwealth Bank fee for non-pinned Point of Sale Transactions

  • FREE Offsite ATM Withdrawals at all MoneyPass Locations

  • FREE First Access Online Banking

  • FREE Unlimited Online Bill Pay

  • Debit Card

  • Monthly Statement

  • E-Statements Available

FREE Checking Options

  • Imaged Statement - $3/month

  /First Choice Checking

Student First Checking/First Choice Checking is an account designed for consumers who prefer to use a debit card for day to day purchases and transactions. 

  • No Minimum Balance Fee

  • Unlimited ATM Transactions

  • No First Commonwealth Bank fee for non-pinned Point of Sale Transactions

  • FREE Offsite ATM Withdrawals at all MoneyPass Locations

  • FREE First Access Online Banking

  • FREE Unlimited Online Bill Pay

  • Debit Card

  • Imaged Statement

  • E-Statements Available

  • First 10 paper debits, including checks, each month FREE; .40 per check thereafter

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.

  • Unlimited Check Writing

  • Unlimited ATM Transactions

  • No First Commonwealth Bank fee for non-pinned Point of Sale Transactions

  • FREE Offsite ATM Withdrawals at all MoneyPass Locations

  • 10% Discount on Check Orders

  • FREE First Access Online Banking

  • FREE Unlimited Online Bill Pay

  • Debit Card

  • Imaged Statement

  • E-Statements Available

  • No monthly service fee if balance remains above $1000 during statement cycle.

  • Low $7.50 monthly service fee if balance falls below $1000 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 options filled to the brim with convenience and discounts for less than $5 per month.

  • No Minimum Balance Fee

  • Unlimited Check Writing

  • Unlimited ATM Transactions

  • No First Commonwealth Bank fee for non-pinned Point of Sale Transactions

  • FREE Offsite ATM Withdrawals at all MoneyPass Locations

  • FREE First Access Online Banking

  • FREE Unlimited Online Bill Pay

  • Debit Card

  • Imaged Statement

  • E-Statements Available

  • NO FEE Notary Service

  • NO FEE Cashier’s Checks

  • $20,000 Accidental Death Insurance

  • $2,500 Identity Theft Insurance

  • Payment Card Protection

  • RX Advantage

  • Saver Club Discount Book

  • Coast to Coast Vision

  • Medical Emergency Data Card

  • Member Benefits Online

  • $4.95 Monthly Fee

 

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.

  • Unlimited Check Writing

  • Unlimited ATM Transactions

  • No First Commonwealth Bank fee for non-pinned Point of Sale Transactions

  • FREE Offsite ATM Withdrawals at all MoneyPass Locations

  • FREE First Access Online Banking

  • FREE Unlimited Online Bill Pay

  • Debit Card

  • Imaged Statement

  • E-Statements Available

  • No monthly service fee if balance remains above $1000 during statement cycle.  Only $8 service fee if balance falls below $1,000 during statement cycle.

First Premium Checking

First Premium Checking offers loan discounts, free checks and eligibility for a premium savings account rate designed for customers who do not want to worry about balances or check writing limitations.

  • Unlimited Check Writing

  • Unlimited ATM Transactions

  • No First Commonwealth Bank fee for non-pinned Point of Sale Transactions

  • FREE Offsite ATM Withdrawals at all MoneyPass Locations

  • FREE Specialty Checks

  • FREE First Access Online Banking

  • FREE Unlimited Online Bill Pay

  • Debit Card

  • Imaged Statement

  • E-Statements Available

  • NO FEE Notary Service

  • .25 Point Consumer Loan Discount-excludes real estate loans and any loan specials

  • Eligible for First Premium Savings Account

  • $10 Monthly Fee


Special Security Account  (SSA)

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

  • $1 Minimum Opening Deposit

  • No Checks

  • Unlimited ATM Transactions

  • No First Commonwealth Bank fee for non-pinned Point of Sale Transactions

  • FREE Offsite ATM Withdrawals at all MoneyPass Locations

  • First Over-the-Counter Withdrawal FREE; $1 Each Thereafter

  • $3 Monthly Fee


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First Money Market Plus

Our Money Market Account earns interest while allowing funds availability on a limited transaction basis.

  • Interest Earned on Balances Greater than $2,500

  • No monthly service fee if balance remains above $2500 during statement cycle.  Only $10 monthly service fee if balance falls below $2500 during statement cycle.

  • Transaction Limits Apply

First Investment Money Market

The First Investment Money Market account allows you to obtain maximum interest earnings based on deposit tiers while maintaining easy, penalty-free access to your money.

  • Interest Earned on Balances Greater than $2,500

  • Market Sensitive Rates that are Tiered Based on Deposit Amount

  • No monthly service fee if balance remains above $2500 during statement cycle.  Only $10 monthly service fee if balance falls below $2500 during statement cycle.

  • Transaction Limits Apply

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First Traditional Savings

Pay yourself first!  Before you plan your monthly budget, use our First Traditional Savings Account to set money aside.  This savings account also offers open access to your savings when you need it.

First Premium Savings

A First Premium Savings is a premium interest-earning relationship available exclusively to First Premium Checking Account Customers.

Club Accounts: Christmas / Vacation

Never have enough money for Christmas shopping or for Vacation?  Let us help you by opening a Christmas Club Savings or a Vacation Club Savings.  You determine the amounts and intervals at which funds will be set aside.  Now is a great time to begin saving for the perfect Holiday gift or for the Vacation of your dreams.

  • Maturity Dates are: October 31, Christmas Club; April 22, Vacation Club

  • Funds will be distributed in the form of check or may be automatically transferred to any First Commonwealth Bank checking account

   

Kids First Savings

Help your children learn to save by opening a Kids 1st Savings Account.  Children age 13 and under will receive the following benefits as Kids 1st members.

  • Kids 1st Savings Account Membership Card

  • Access to the Good Grade Reward Store

  • Kids 1st Savings Account Coloring Book & Crayons at Account Opening

  • No Minimum Opening Deposit

Health Savings Accounts (HSA's)

A HSA is an IRA-like account associated with a high deductible health plan (HDHP).  It is designed for covering medical expenses incurred by the HSA beneficiary (the person who established the account) and his/her dependents.  HSAs are often advantageous for the self-employed because HDHPs generally have modest premium costs and may be an effective cost-containment mechanism for the employer.  HSA earnings are tax-deferred if used for qualified medical expenses.  See a Customer Service Representative to learn more about HSAs

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Business First FREE Checking

For small businesses or other businesses with a limited number of monthly transactions

  • NO Minimum Balance Fee

  • NO Monthly Service Charge

  • ALL Deposit Items FREE

  • First 100 paper debits, including checks,  FREE (.25 thereafter)

  • FREE Cash Deposits

  • FREE Business Debit Card

  • FREE Essential Online Banking (access to account history, account balances and internal transfers)

  • Ultimate Online Banking Available

  • First 6 Months Ultimate Online Banking FREE

First Traditional Business Checking

This traditional business account provides unlimited check writing capabilities for business customers who write a high volume of checks.  A $9 monthly maintenance fee applies which may be completely offset by a variable credit to the average collected balance.

  • FREE Essential Online Banking (access to account history, account balances and internal transfers)

  • Ultimate Online Banking Available

  • First 6 Months Ultimate Online Banking FREE

  • FREE Business Debit Card

  • First 50 paper debits, including checks, FREE (.15 thereafter)

  • Transit Items Deposited .10 each

  • All First Commonwealth Bank Items Deposited FREE

  • FREE Cash Deposits

First Now Checking

If your business is a sole proprietorship, non-profit organization, or governmental entity, you may choose an interest-bearing First Now Checking Account.

  • First 50 Starter Checks Ordered FREE

  • Unlimited Check Writing

  • Unlimited ATM Transactions

  • Non-personal First Now Checking Accounts are subject to transaction based charges

  • FREE Business Debit Card

  • FREE Essential Online Banking

  • Ultimate Online Banking Available

  • First 6 Months Ultimate Online Banking FREE

  • E-Statements Available

  • No monthly service fee if balance remains above $1000 during statement cycle.  Only $8 service fee if balance falls below $1,000 during statement cycle.

Money Market Accounts

First Money Market Plus and First Investment Tiered Money Market

Our money market accounts earn interest while allowing funds availability on a limited transaction basis. 

Commercial Loans and Lines of Credit

First Commonwealth Bank offers a wide array of flexible loans and lines of credit to finance real estate, equipment and more.  Our Commercial Loan Officers can assist you in achieving the goals and financial needs of your business with competitive loan rates and personal attention.  Loans and Lines of Credit are available to the following:

  • Commercial, Industrial and Retail Businesses

  • Sole Proprietorships, Partnerships and Corporate Borrowers

  • Financing for Fixed Assets such as Real Estate and Equipment

  • SBA Funding Services

Equipment Leasing

First Commonwealth Bank offers a wide variety of equipment leasing, leaving your business with cash available for income producing investments and to support plans for expansion.  Lease payments are typically tax-deductible.  Consult a tax advisor regarding tax laws in conjunction with equipment leasing.  Lease payments can be matched to revenue generation and can even be adjusted to seasonal fluctuations.  By leasing, your business can concentrate not on owing, but on using the equipment as a productive part of your business. 

Repurchase Agreements

Repurchase agreements offer corporations a secured way to generate earnings on available funds in their checking account.

Small Business Retirement Plans

Savings Incentive Match Plan for Employees (Simple IRA) and Simplified Employee Pension Plan (SEP IRA)

  • Providing a retirement investment vehicle for employees

  • Retaining and attracting valuable employees

  • Providing an easy way to administer a retirement plan

  • Eliminating most large up-front and administrative expenses that accompany most 401(k) plans

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Certificate of Deposit

A Certificate of Deposit is a time account that generally produces a higher interest yield than a traditional savings account.  A minimum opening deposit of $500 is required and funds must be left on deposit for a predetermined period of time.  See a Customer Service Representative for our current CD rates as well as CD rate specials.

Individual Retirement Accounts

Prepare for your retirement with an IRA or supplement your existing retirement plan with a Traditional or Roth IRA.  First Commonwealth Bank also offers the Coverdell Education IRA to help you save for your child’s future educational expenses.

Traditional IRAs allow the customer to defer taxes on earning until withdrawal and certain contributions are tax-deductible for the applicable tax year.

Roth IRAs are non-deductible but feature tax-free earnings and withdrawals for certain reasons after a five-year holding period.

Coverdell Education IRAs are non-deductible that feature tax-free and penalty-free earnings for the specific purpose of a child’s educational expenses.

 

   

Dreaming of the perfect home for you and your family?  First Mortgage is First Commonwealth Bank’s in-house loan product providing you with a fixed rate mortgage solution for a variety of needs such as the purchase of a home, refinance of an existing home or consolidation.

  • Long Term Competitive Fixed Rates

  • Instant Credit Approval

  • Fixed Payments

  • Local Ownership and Maintenance of Your Loan by First Commonwealth Bank

  • Personalized Service from Your Loan Officer

  • Tax Deductible Interest (Consult your tax advisor)

  • Competitive Closing Costs

  • Fast Closing

Secondary Market Mortgage

First Commonwealth Bank also offers Secondary Market Loans which provide Long Term Fixed Rate financing up to 30 years with low down payment requirements for the purchase or refinance of a home.

Construction & Land Loans

First Commonwealth Bank can provide you with a loan to fund the acquisition of your property and construction of your dream home.  Let FCB help you construct the warm and inviting home you have always imagined. 

Home Equity Line of Credit

A Home Equity Line of Credit can provide you with a credit line to cover a wide range of current and future expenses.  Home Equity Loans are commonly used for:

  • Home Improvements

  • Home Expansion

  • Purchase of a New or Second Home

  • Purchase of a Vehicle, Boat or RV

  • Debt Consolidation

  • Education Expenses

The First Commonwealth Bank Home Equity Line of Credit provides you with quick and easy access to funds when you need them all through the simplicity of a First Commonwealth Bank checkbook.

Mortgage Insurance Products

Consult your First Commonwealth Bank Loan Officer about optional mortgage insurance available on your First Commonwealth Bank loan.  Our bank provides access to professional Insurance Advisors who can help evaluate risk and determine adequate insurance coverage.

Insurance Products not FDIC insured.

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ATM's

Need 24 hour access to cash from your checking or savings accounts?  Visit one of our ATMs or check out the ATM Locator to find the MoneyPass location nearest you or your travel destination for fee-free ATM access.   FREE ATM LOCATOR

First Access FREE Online Banking

First Access Online Banking is FREE to ALL Personal Checking Account Customers!

  • View Account Balances in Checking, Savings & Loans

  • Transfer Funds

  • Obtain Funds Transfer History

  • Make Loan Payments

  • Initiate Stop Payments

  • View Account History

  • Order Checks

First Access FREE Online Bill Pay

First Access FREE Online Bill Pay allows customers to:

  • Pay Any Business or Vendor with a Mailing Address

  • Set-up Recurring Transactions

  • Save Payee Information for Future Use

Commercial Online Banking

Our First Access Suite of Commercial Online Banking products afford our business customers two options to bank online right from your home or office computer.  Our first option, First Access Essential Online Banking is FREE to all Business Checking Account Customers.  With Essential Online Banking, customers may:

  • View Account Balances in Checking, Savings and Loans

  • Transfer Funds

  • Obtain Funds Transfer History

  • Make Loan Payments

  • Initiate Stop Payments

  • View Account History

  • Download Transaction Information

Our second option is First Access Ultimate Online Banking.  For a $25 monthly service fee, customers may:

  • View Account Balances in Checking, Savings, Loans

  • Transfer Funds

  • Make Loan Payments

  • Initiate Stop Payments

  • View Account Information

  • Download Transaction Information

  • Generate Payroll via Direct Deposit and other ACH items

  • Assign Multiple Users and Access Levels within your Organization

Ultimate Online Banking Customers also have First Access Commercial Online Bill Pay included in their online banking product suite.  With First Access Online Bill Pay, customers may:

  • Pay Any Business or Vendor with a Mailing Address

  • Set-up Recurring Transactions

  • Save Payee Information for Future Use

E-Statements

Obtain instant online access to your statements in a printable version (pdf file).  Contact you Customer Service Representative for more information.

Keep In Touch – KIT Line – 24 Hour Account Information by Phone

Our KIT Line provides 24 hour account access.  You can make balance inquiries, transfer funds, make loan payments, review transactions, check on interest paid/earned year-to-date and in the prior year and much more!  Call 886.7229 locally or 1.888.762.4331 toll-free.

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 sign up and approval.  Annual fee applies.

First Transfer Overdraft Protection

Automatic transfer from your savings account in $100 increments to cover overdraft items.  Requires sign up and approval.  Usage fee of $2 per transfer applies.

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