"SmartPay Card" from First Commonwealth Bank

The Basics

Minimum Opening Deposit
 
$25.00
A $25.00 deposit is required to open this account.
Monthly Maintenance Fee
 
$5.00
This fee cannot be waived.

Debit Cards & Using ATMs

Debit Card $0.00/yr
Surcharge-Free ATM Access
 
Yes
Surcharge-free ATM access is available at over 55,000 Allpoint Network ATM and all Freedom Alliance ATM locations.
Non-affiliated ATM Usage Fee
 
$2.50/per use
There is a $2.50 fee each time you use an unaffiliated ATM. No surcharge fee at Allpoint ATMs or Freedom Alliance ATMs.
International ATM Usage Fee $0.00

Electronic & Telephone Banking

Online Banking
 
Free
In addition to the standard online banking features, this service includes personal finance tools for budgeting and person-to-person transfer through Popmoney (a transfer fee of $0.50 applies).
Email Alerts
 
Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Reminders that bills are coming due for payment.
Online Bill Pay Free
Mobile & Text Banking
 
Free
This institution supports:
- A text messaging service to view account balances, view recent activity, receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, locate ATMs;
- A downloadable mobile application 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.
Deposit Checks with Mobile Phone
 
Free
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.
Person-to-Person Payments
 
$0.50/payment
$0.50 per transaction
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Unavailable
Free or Discounted Checks No
Monthly Paper Statements Yes
Check Images with Statements $3.00/month
Online Statements Yes
Online Check Images No

How To Reach First Commonwealth Bank

Go To Website: First Commonwealth Bank
Call: 81-800-711-2265

"SmartPay Card" is a Reloadable Debit Card

A reloadable debit card is not associated with a interest earning checking account, but enables cardholders to "load" money onto the card through methods like direct deposit, bank transfers, through some retail outlets and mobile check deposit. Cardholders can spend up to the value placed on their card in stores, online, over the phone and by mail order. The cards can be used to get cash at ATMs. The card issuers provide FDIC insurance, online billpay, purchase protection and other features through their website or mobile app.

How We Get Our Information

We conduct our own research for all the institutions listed.

Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.

All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.

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