"Home Free Checking" from First Commonwealth Bank

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The Basics

Minimum Opening Deposit
 
 $50.00
A $50.00 deposit is required to open this account.
Monthly Maintenance Fee $0.00

Debit Cards & Using ATMs

Debit Card $0.00/yr
Surcharge-Free ATM Access
 
 Yes
Surcharge-free ATM access is available at over 40,000 Allpoint Network ATM and all Freedom Alliance ATM locations.
Non-affiliated ATM Usage Fee
 
 $2.00/per use
There is a $2.00 fee each time you use a non-affiliated ATM. No surcharge fee at Allpoint ATMs or Freedom Alliance ATMs.
International ATM Usage Fee
 
 $2.00/per use
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as a small percentage of the total amount withdrawn.

Electronic & Telephone Banking

Online Banking Free
Email Alerts
 
 Included with Online Banking
First Commonwealth offers these email alerts:
- Billpay reminders and confirmations.
Online Bill Pay Free
Mobile & Text Banking
 
 Free
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.
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks No
Monthly Paper Statements Yes
Check Images with Statements
 
 $3.00/month
There is a $3.00 monthly fee to receive images of canceled checks with monthly statements.
Online Statements Yes
Online Check Images Yes

Overdrawing the Account

Negative Balance Fee
 
 Yes
A negative balance fee of $8.00 will be charged each day beginning the fifth consecutive day the account is in a negative balance.
Initial Returned Item Fee
 
 $25.00/per item
The Insufficient Funds Fee is $25.00 for your first overdraft in a 12 month period and $35.00 per additional overdraft in that time period.
Overdraft Protection
 
 Available
This checking account has two options for Overdraft Protection.
From a linked Savings Account or Money Market Account:
- Transfer fee of $15.00. The transfer fee is charged per day;
- Funds are transferred in $100 increments.
From a Line of Credit:
- Transfer fee of $15.00. The transfer fee is charged per day;
- Funds are transferred in $100 increments.

Savings and Money Market Accounts

American Dream Savings
 
 $2.00/month
'American Dream Savings' requires $25.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.15 % at minimum balance to earn interest;
- 0.15% at minimum balance to avoid fees;
- 0.15% at $25,000.00
The account has a monthly service fee of $2.00. This fee can be waived if you maintain a minimum balance of $100.00.
Prime Savings
 
 $3.00/month
'Prime Savings' requires $10.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.15% at $25,000.00
The account has a monthly service fee of $3.00. This fee can be waived if you maintain a minimum balance of $1,000.00.
Investment Preferred Plus Account
 
 $3.00/month
'Investment Preferred Plus Account' requires $20,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05% at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 0.10% at $25,000.00
The account has a monthly service fee of $3.00. This fee can be waived if you maintain a minimum balance of $1,000.00.

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