Open an Account
Getting Started
No Available Products
Thank you for considering us for your banking needs. We're sorry, but we are not offering products in your ZIP Code at this time.
Please feel free to check back with us in the future.
Opening an account is easy
What you'll need:
- Approximately 10 minutes
- Personal information for each applicant1
- Social Security number
- Driver's License (or other government issued ID)
If you are using a driver's license which has expired March 16, 2020 or later and are unable to access the DMV, please enter "08/31/2020" for the expiration date. - Employment & residency information
- One of the following for your opening deposit
- Checking or Savings account
- Mastercard or Visa Credit/Debit Card
- PayPal
Online account opening is not available for businesses at this time.
All of our checking and savings accounts offer:
- Free online banking, including a financial management tool2
- Free bill payment2
- Free mobile banking2
- Free external account transfers2
- Access to 55,000 surcharge-free ATMs with First Commonwealth, AllPoint, and Freedom Alliance Network ATMs
1 To help the government fight terrorism and money laundering activities, US Federal Law requires financial institutions to obtain, record and verify information that identifies each applicant. When you open an account, we need to ask for information that allows us to identify you.
2 We don't charge for these services but standard message, data and internet service provider rates may apply so check with your carriers.
Available Products
Hometown Checking + Interest + Solutions
Max APY: 0.05% Min Deposit: $50.00
Hometown Checking + Interest
Max APY: 0.05% Min Deposit: $50.00
Hometown Checking
Min Deposit: $50.00
SmartPay Card
Min Deposit: $25.00
Hometown Savings
Max APY: 0.05% Min Deposit: $25.00
American Dream Savings
Max APY: 0.15% Min Deposit: $25.00
Hometown Money Market
Max APY: 0.10% Min Deposit: $1,000.00
12 Month Certificate of Deposit
Max APY: 0.20% Min Deposit: $500.00
24 Month Certificate of Deposit
Max APY: 0.25% Min Deposit: $500.00
36 Month Certificate of Deposit
Max APY: 0.25% Min Deposit: $500.00
48 Month Certificate of Deposit
Max APY: 0.35% Min Deposit: $500.00
60 Month Certificate of Deposit
Max APY: 0.40% Min Deposit: $500.00
APY (Annual Percentage Yield)
Your Selected Products
| Interest Rate | APY | Minimum Balance | Minimum Deposit | Term (months) | |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.01% | 0.01% | $500.00 | $50.00 | N/A |
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0.01% | 0.01% | $500.00 | $50.00 | N/A |
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0.01% | 0.01% | $2,500.00 | $50.00 | N/A |
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0.01% | 0.01% | $2,500.00 | $50.00 | N/A |
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0.01% | 0.01% | $10,000.00 | $50.00 | N/A |
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0.01% | 0.01% | $10,000.00 | $50.00 | N/A |
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0.02% | 0.02% | $500.00 | $50.00 | N/A |
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0.02% | 0.02% | $500.00 | $50.00 | N/A |
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0.02% | 0.02% | $2,500.00 | $50.00 | N/A |
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0.02% | 0.02% | $2,500.00 | $50.00 | N/A |
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0.02% | 0.02% | $10,000.00 | $50.00 | N/A |
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0.05% | 0.05% | $10,000.00 | $50.00 | N/A |
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| Interest Rate | APY | Minimum Balance | Minimum Deposit | Term (months) | |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.00% | 0.00% | $0.01 | $50.00 | N/A |
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0.01% | 0.01% | $500.00 | $50.00 | N/A |
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0.01% | 0.01% | $500.00 | $50.00 | N/A |
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0.01% | 0.01% | $2,500.00 | $50.00 | N/A |
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0.01% | 0.01% | $2,500.00 | $50.00 | N/A |
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0.01% | 0.01% | $10,000.00 | $50.00 | N/A |
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0.01% | 0.01% | $10,000.00 | $50.00 | N/A |
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0.02% | 0.02% | $500.00 | $50.00 | N/A |
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0.02% | 0.02% | $500.00 | $50.00 | N/A |
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0.02% | 0.02% | $2,500.00 | $50.00 | N/A |
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0.02% | 0.02% | $2,500.00 | $50.00 | N/A |
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0.02% | 0.02% | $10,000.00 | $50.00 | N/A |
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0.05% | 0.05% | $10,000.00 | $50.00 | N/A |
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| Interest Rate | APY | Minimum Balance | Minimum Deposit | Term (months) | |
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0.02% | 0.02% | $0.01 | $25.00 | N/A |
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0.02% | 0.02% | $0.01 | $25.00 | N/A |
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0.02% | 0.02% | $0.01 | $25.00 | N/A |
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0.02% | 0.02% | $0.01 | $25.00 | N/A |
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0.02% | 0.02% | $1,500.00 | $25.00 | N/A |
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0.02% | 0.02% | $1,500.00 | $25.00 | N/A |
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0.02% | 0.02% | $1,500.00 | $25.00 | N/A |
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0.02% | 0.02% | $1,500.00 | $25.00 | N/A |
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0.02% | 0.02% | $10,000.00 | $25.00 | N/A |
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0.02% | 0.02% | $10,000.00 | $25.00 | N/A |
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0.02% | 0.02% | $10,000.00 | $25.00 | N/A |
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0.02% | 0.02% | $10,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $25,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $25,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $25,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $25,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $25.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $25.00 | N/A |
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| Interest Rate | APY | Minimum Balance | Minimum Deposit | Term (months) | |
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0.03% | 0.03% | $0.01 | $25.00 | N/A |
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0.03% | 0.03% | $0.01 | $25.00 | N/A |
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0.03% | 0.03% | $0.01 | $25.00 | N/A |
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0.03% | 0.03% | $0.01 | $25.00 | N/A |
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0.07% | 0.07% | $0.01 | $25.00 | N/A |
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0.07% | 0.07% | $0.01 | $25.00 | N/A |
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0.07% | 0.07% | $0.01 | $25.00 | N/A |
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0.07% | 0.07% | $0.01 | $25.00 | N/A |
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0.11% | 0.11% | $0.01 | $25.00 | N/A |
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0.11% | 0.11% | $0.01 | $25.00 | N/A |
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0.11% | 0.11% | $0.01 | $25.00 | N/A |
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0.11% | 0.11% | $0.01 | $25.00 | N/A |
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0.15% | 0.15% | $0.01 | $25.00 | N/A |
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0.15% | 0.15% | $0.01 | $25.00 | N/A |
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0.15% | 0.15% | $0.01 | $25.00 | N/A |
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0.15% | 0.15% | $0.01 | $25.00 | N/A |
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| Interest Rate | APY | Minimum Balance | Minimum Deposit | Term (months) | |
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0.03% | 0.03% | $0.01 | $1,000.00 | N/A |
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0.03% | 0.03% | $0.01 | $1,000.00 | N/A |
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0.03% | 0.03% | $0.01 | $1,000.00 | N/A |
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0.03% | 0.03% | $0.01 | $1,000.00 | N/A |
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0.05% | 0.05% | $20,000.00 | $1,000.00 | N/A |
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0.05% | 0.05% | $20,000.00 | $1,000.00 | N/A |
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0.05% | 0.05% | $20,000.00 | $1,000.00 | N/A |
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0.05% | 0.05% | $20,000.00 | $1,000.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $1,000.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $1,000.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $1,000.00 | N/A |
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0.05% | 0.05% | $50,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $100,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $100,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $100,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $100,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $250,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $250,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $250,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $250,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $2,000,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $2,000,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $2,000,000.00 | $1,000.00 | N/A |
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0.10% | 0.10% | $2,000,000.00 | $1,000.00 | N/A |
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| Interest Rate | APY | Minimum Deposit | Term (months) | |
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0.10% | 0.10% | $500.00 | 12 (min) |
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0.15% | 0.15% | $500.00 | 12 (min) |
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0.20% | 0.20% | $500.00 | 12 (min) |
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0.20% | 0.20% | $500.00 | 12 (min) |
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| Interest Rate | APY | Minimum Deposit | Term (months) | |
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0.20% | 0.20% | $500.00 | 24 (min) |
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0.20% | 0.20% | $500.00 | 24 (min) |
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0.25% | 0.25% | $500.00 | 24 (min) |
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0.25% | 0.25% | $500.00 | 24 (min) |
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| Interest Rate | APY | Minimum Deposit | Term (months) | |
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0.20% | 0.20% | $500.00 | 36 (min) |
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0.20% | 0.20% | $500.00 | 36 (min) |
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0.25% | 0.25% | $500.00 | 36 (min) |
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0.25% | 0.25% | $500.00 | 36 (min) |
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| Interest Rate | APY | Minimum Deposit | Term (months) | |
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0.35% | 0.35% | $500.00 | 48 (min) |
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0.35% | 0.35% | $500.00 | 48 (min) |
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0.35% | 0.35% | $500.00 | 48 (min) |
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0.35% | 0.35% | $500.00 | 48 (min) |
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| Interest Rate | APY | Minimum Deposit | Term (months) | |
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0.40% | 0.40% | $500.00 | 60 (min) |
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0.40% | 0.40% | $500.00 | 60 (min) |
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0.40% | 0.40% | $500.00 | 60 (min) |
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0.40% | 0.40% | $500.00 | 60 (min) |
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Would you like First Commonwealth Bank to authorize and pay overdrafts on your ATM and everyday debit card transactions at the bank’s discretion? You have the right to change this decision at any time in the future.
- If you choose "No" we will decline ATM and everyday debit card transactions onaccounts with insufficient funds and therefore, your card will be declined in those situations.
- Read the disclosure and choose "Yes" to allow First Commonwealth Bank to pay overdrafts on your ATM and everyday debit card transactions.
Would you like First Commonwealth Bank to authorize and pay overdrafts on your ATM and everyday debit card transactions at the bank’s discretion? You have the right to change this decision at any time in the future.
- If you choose "No" we will decline ATM and everyday debit card transactions onaccounts with insufficient funds and therefore, your card will be declined in those situations.
- Read the disclosure and choose "Yes" to allow First Commonwealth Bank to pay overdrafts on your ATM and everyday debit card transactions.
Would you like First Commonwealth Bank to authorize and pay overdrafts on your ATM and everyday debit card transactions at the bank’s discretion? You have the right to change this decision at any time in the future.
- If you choose "No" we will decline ATM and everyday debit card transactions onaccounts with insufficient funds and therefore, your card will be declined in those situations.
- Read the disclosure and choose "Yes" to allow First Commonwealth Bank to pay overdrafts on your ATM and everyday debit card transactions.
Would you like this Hometown Savings linked to your First Commonwealth personal checking account for overdraft protection up to the amount available in your savings account when an overdraft occurs?
Overdraft Protection services are not applicable to the SmartPay Card account.
*
Overdraft Protection services are not applicable to the SmartPay Card account.
*
First Commonwealth personal checking account number ?*
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Application Cancelled
Application Cancelled
We have cancelled your application.
If this was a mistake and you would like to fix errors you can return to the application now.
Funding
Funding
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How do you want to fund your new account?
'Doing Business As' Information
'Doing Business As' Information
DBA Business Information
Your Business Tax ID is used for identification purposes.