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Frequently Asked Questions About "log in"
- How do I verify my auto insurance?
Login here to verify your insurance.
- How do I submit my homeowner’s insurance?
- What is a Health Savings Account?
Health Savings Accounts allow members to set aside money for future medical expenses. There are certain tax advantages to HSAs, e.g contributions are tax deductible and earn interest tax free until withdrawn. Withdrawn funds used to pay for "qualified medical expenses" remain tax free
- Is there a first time Car Buyer program?
Yes! No credit history? No problem!
Benefits include:
- No co-borrower required
- Rate discount of 0.50% if you (borrower) complete the online GreenPath™ course, “Budgeting Basics”
- $25 deposit to member’s savings account after six months of on-time payments*
- Up to 1.00% rate reduction after 12 months of on-time payments* - you may qualify to refinance at an even lower rate!
- No payments for 60 days
Program Criteria:
- Must be 18 or older
- Proof of income required; maximum debt-to-income (DTI) ratio of 40%
- Four months at current employer required
- Proof of insurance required upfront
- No derogatory information on credit report
- Direct auto loans through the credit union only (loans applied for at a dealership are not eligible)
- How do I check my loan status?
Login here and click "check my loan status"
- How can I finance a second home?
First Commonwealth only offers second home mortgages for properties located in Pennsylvania and New Jersey. Talk to a Mortgage Specialist to run through detailed options.
- What is a High Deductible Health Plan (HDHP)?
A health plan that satisfies both an annual deductible and a maximum out-of-pocket medical expense requirement. The annual minimum deductible is $1,350 for 2019 and the out-of-pocket expense cap cannot exceed $6,750 for 2019 for single coverage. The annual deductible must be at least $2,700 for 2019 and the out-of-pocket expense cap cannot exceed $13,500 for 2019 for family coverage. Individuals with single coverage may contribute up to $3,500 in 2019 and individuals with family coverage may contribute up to $7,000 in 2019. Eligible individuals that are age 55 and older may make HSA catch-up contributions up to $1,000.
- How do I get an Express Loan Check?
Negotiate with the power of a cash buyer with an Express Loan Check. This works like a personal check. Once pre-approved, you receive the Express Loan Check. Just make it payable to the car dealer for the purchase price, up to the approved maximum loan amount. This loan amount is determined by an evaluation of credit, amount, term, and other factors. Loan to value restrictions may apply. If you change your mind, you are under no obligation to use it (just shred it up for your safety). The Express Loan Check is valid for 30 days. Apply online, in-person or call us at 610.821.2403.
- What is covered?
• If You have personal insurance that covers theft, damage or involuntary and accidental parting for Your cell phone, this benefit reimburses You for the deductible portion of Your cell phone insurance.
• If You do not have personal insurance, the benefit reimburses up to $250.00 per claim as determined by your benefit administrator with a maximum of two (2) claims and $250.00 per twelve (12) month period. - Are there contribution limits?
Individuals with single coverage may contribute up to $3,500 in 2019 and individuals with family coverage may contribute up to $7,000 in 2019. Eligible individuals that are age 55 and older may make HSA catch-up contributions up to $1,000.
- Who is eligible to open an HSA?
Any individual who is covered under a HDHP and generally does not have coverage under another non HDHP is eligible for an HSA. The eligible individual can not be enrolled in Medicare and is not eligible to be claimed as a dependent on another individual's tax return.
- Are there age limits?
Contributions must stop once the HSA owner reaches age 65. Contributions cannot be made beginning with the month the eligible individual enrolls in Medicare.
- Who can contribute to an HSA?
Any individual including an eligible individual's employer may contribute to an HSA.
- Payee - How do I add a payee?
Clicking “Add payee” at the top of the payments page will walk you through a one-time, step-by-step setup process to gather key information used to send your payments.
- When are HSA assets available?
HSA assets are payable on demand. There are no distribution restrictions on when and how often an HSA owner may take distributions from an HSA. Using checks and debit cards are acceptable means of withdrawing HSA assets from the account.
- How are distributions from an HSA taxed?
Distributions from HSAs may be exempt from federal income tax and penalties, depending on whether the HSA owner has qualified medical expenses.
- Who is Eligible for Cellular Protection?
This benefit is available to all Visa Signature Empower card holders who pay their monthly cellular wireless phone bill the month prior to the damage occurring.
- How do I check the status of my insurance claim?
Call 1.855.483.2149 toll-free, 24x7x365
- Are there income limits?
No.
- Are there reporting requirements?
Yes, the HSA owner will file form 8889 annually to report the amount of distributions used for qualified medical expenses.