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Checking

First Commonwealth offers four checking accounts: Value, Preferred, Elite and Visions for teens and young adults. You can select the account that matches your needs and lifestyle. Access your checking account easily with our Visa Check Card (debit card). Our Switch Kit helps make it easy to switch your current checking with another institution to First Commonwealth.

Value Checking

No monthly service charge
No minimum balance
Free first box of checks
Free HomeLink online banking, digital check images and e-Payer bill pay service
Free VISA Check Card (debit card) with a daily ATM cash limit of $400 and no annual fee
Free overdraft protection from savings or high yield account
Unlimited check-writing privileges
Unlimited signature-based debit card transactions, 10 free monthly PIN- based transactions

Preferred Checking

Earn dividends on balances of $1,500 or more
Free box of personal style checks every 12 months (excludes certain styles)
Free VISA Check Card (debit card) with a daily ATM cash limit of $800 and no annual fee
Unlimited check-writing privileges
Unlimited signature-based debit transactions; 10 free monthly PIN-based transactions.
Free overdraft protection from savings or high yield account
Free Travelers Checks
Free Certified Checks

Elite Checking

Our highest interest-bearing checking account -- earns dividends on balances of $25,000 or more
Free unlimited personal style check orders (excludes certain styles)
Free VISA Check Card (debit card) with a daily ATM cash limit of $1,200 and no annual fee
Unlimited check-writing privileges
Unlimited signature-based and PIN-based debit card transactions
Free overdraft protection from savings or high yield account
Free Travelers Checks
Free Certified Checks

To open a checking account: Visit any of our convenient branch offices or contact the Member Response Line at 610.821.2403 for more information.

Visions Checking for Teens & Young Adults
Receive all of the benefits of a Value Checking account, plus unlimited PIN-based debit card transactions. Other terms and conditions may apply to checking accounts. Visit the Visions page for more information.

Running Low on Checks?

Re-order you checks online! You may also re-order checks by contacting the credit union with your request by calling 610.821.2403 or emailing the Member Service Team.

VISA Check Card
This versatile debit card provides you with instant access to your funds at ATM's and millions of locations worldwide. When shopping, just swipe your card, select the “credit” option and sign. Your purchases will be deducted from your checking account.

When you sign for your purchases, you can rest assured you are protected by VISA's Zero-Liability Policy. For greater online protection, register your card with Verified by Visa.

You can also use your First Commonwealth card without surcharge at participating CU$ Network ATMs.

To request an application for a VISA Check Card, contact us at 610.821.2403 or email the Member Service Team.

To report a lost or stolen VISA Check Card or ATM Card call 1.800.472.3272, toll free.

Direct Deposit
Stop running around town and waiting in line on payday. With direct deposit, you can have your net pay, Social Security, pension or other recurring checks deposited to your account electronically. Ask you employer for details and provide your account number and First Commonwealth's routing number: 231379199. Sign up for direct deposit of Social Security and other federal recurring payments online!


Checking11.01.09

Type	Minimum Balance	Dividend Rate	APY¹
Value Checking	None	0.00%	0.00%
Preferred Checking	$10,000 or greater	0.30%	0.30%
	$1,500 or greater	0.20%	0.20%
	Less than $1,500	0.00%	0.00%
Elite Checking	$25,000 or greater	1.19%	1.20%
	Less than $25,000	0.00%	0.00%
¹APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

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