APY
0.01%
As of Nov 8, 2026. Rates are variable.
First Commonwealth Bank · Checking account
First Commonwealth Hometown Checking Plus
−$120 a year for an everyday customer. $10 a month. $50 to open.
- A year, everyday customer
- −$120
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer document · fcbanking.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · fcbanking.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · fcbanking.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#832of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Budgeting tools
- Card lock
- Check writing
- Debit card
- Mobile check deposit
- Mobile wallet
- Online opening
- Overdraft protection transfer
- Spending alerts
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $500 to $2,499.99
- 0.01%
- $2,500 to $9,999.99
- 0.01%
- $10,000 and up
- 0.01%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $500fcbanking.com, checked Nov 8, 2026
Fees
- Monthly fee
- $10 a monthfcbanking.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- $1,000 in monthly deposits
- $5,000 in core deposit relationship balances
- Minimum to open
- $50fcbanking.com, checked Nov 8, 2026
- Overdraft fee
- $35fcbanking.com, checked Nov 8, 2026
- Returned item (NSF) fee
- $35fcbanking.com, checked Nov 8, 2026
- Overdraft transfer fee
- $15fcbanking.com, checked Nov 8, 2026
- Most overdraft fees in a day
- 4fcbanking.com, checked Nov 8, 2026
- ATM network
- All First Commonwealth Bank, Allpoint and Freedom Alliance Network ATMsfcbanking.com, checked Nov 8, 2026
- ATMs in the network
- 55,000fcbanking.com, checked Nov 8, 2026
- Out-of-network ATM fee
- $3fcbanking.com, checked Nov 8, 2026
- ATM fees refunded, up to
- $15 a monthfcbanking.com, checked Nov 8, 2026
- Foreign transaction fee (debit card)
- 0.9%fcbanking.com, checked Nov 8, 2026
- Incoming domestic wire
- $20fcbanking.com, checked Nov 8, 2026
- Outgoing domestic wire
- $25fcbanking.com, checked Nov 8, 2026
- Incoming international wire
- $20fcbanking.com, checked Nov 8, 2026
- Outgoing international wire
- $55fcbanking.com, checked Nov 8, 2026
- Paper statements
- Nonefcbanking.com, checked Nov 8, 2026
- Inactivity fee
- $5fcbanking.com, checked Nov 8, 2026
- Cashier’s check
- $15fcbanking.com, checked Nov 8, 2026
- Stop payment
- $32fcbanking.com, checked Nov 8, 2026
- Card replacement
- Nonefcbanking.com, checked Nov 8, 2026
Who can open it
- Where
- Pennsylvania, Ohio, Indiana, Kentucky, West Virginiafcbanking.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money