At First Commonwealth, our Value Checking Account offers all the bells and whistles you deserve – with none of the pricey fees you’d expect. You’ll enjoy:

  • NO MONTHLY FEES or minimum balance requirements
  • Digital Banking manage your money anytime, anywhere
  • PERSON-TO-PERSON TRANSFERS transfer money to anyone easily
  • MOBILE CHECK DEPOSIT make deposits using our mobile deposit app
  • MOBILE PAY pay for purchases quickly and easily with your mobile device
  • Many Convenient Locations

Open a Checking Account

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Already a Member?

Already a member and looking to open a checking account?

Get Started


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Order Checks

Quickly and conveniently order checks online. You also order checks through online banking. 

Order Now

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Overdraft Line of Credit

Overdraft protection covers your debits when you don't have enough money in your account.

Apply Now

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CU$ Network ATMs

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

Learn More

Paying with Mobile Device

Preferred & Elite Checking

These options are great if you carry a higher balance in your checking account and would like to earn interest.


Students Studying

Student Checking

Our Visions checking is designed for students with all the perks of our Value checking.

Get Started

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Switch Your Account

First Commonwealth's Routing Number: 231379199

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Report Lost of Stolen Cards

Use  the "Manage My Card" tool within your online banking to report lost/stolen cards, order a card replacement, or to turn your card on/off. You can also report a lost or stolen card here


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Budgeting for Financial Independence

Join us for free seminars, you'll learn 8 steps to financial independence so that you can take control of your finances and become financially independent.

Printable Rates

Table data for Checking Account Rates
Type Minimum Balance Dividend Rate APY1 Alert Me
Value Checking None 0.00% 0.00%
Preferred Checking $10,000 or greater 0.01% 0.01%
$1,500 or greater 0.01% 0.01%
Less than $1,500 0.00% 0.00%
Elite Checking $25,000 or greater 0.01% 0.01%
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.

1Minimum combination balance of $2,500 in Savings, Money Market, Checking, VISA Credit Card, Home Equity Line of Credit or Personal Line of Credit on the last day of the month required to avoid the monthly fee.
2Minimum balance of $25,000 in Elite Checking on the last day of the month required.
3The check card limit is the amount of funds you may withdraw on a daily basis at an Automated Teller Machine (ATM) or purchase at Point of Sale (POS). Contact First Commonwealth if you plan on making a purchase larger than the limit to discuss options.
4Personal Identification Number activity limits does not include ATMs owned and operated by First Commonwealth FCU, as withdrawals are unlimited for our members when using our ATMs. See locations.
5If the Fresh Start Checking is maintained in good standing and the member's financial situation improves, the account will automatically be upgraded to a Value Checking after one year. For assistance on budgeting, savings and improving your credit, members can use the free GreenPath  program provided by First Commonwealth.
6Effective 7.22.18, all Checking Account Programs that offer free checks will only be eligible to receive Safety Paper style checks for free. Members will incur a charge if they want another style.