Minimum Opening DepositA $25.00 deposit is required to open this account.
Monthly Service FeeThis fee cannot be waived.
Debit Cards & Using ATMs
Surcharge-Free ATM AccessSurcharge-free ATM access is available at over 55,000 Allpoint Network ATM and all Freedom Alliance ATM locations.
Non-affiliated ATM Usage FeeThere 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
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text BankingThis 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 PhoneThis 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 per transaction
Email AlertsThis Email Alert feature enables you to receive: - Warnings when your balance falls below a certain threshold; - Reminders that bills are coming due for payment.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
Online Check Images
"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.