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First Commonwealth Bank


Overview / Commentary
www.fcbanking.com
800-711-2265
600 Philadelphia Street
Indiana, PA 15701

First Commonwealth Bank is headquartered in INDIANA and is the 8th largest bank in the state of Pennsylvania. It is also the 150th largest bank in the nation. It was established in 1880 and as of December of 2023, it had grown to 1,475 employees at 129 locations. First Commonwealth Bank has an A+ health rating.

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Reviews (10)

Best Banking Experiences Ever!

Posted by: |

The First Commonwealth Bank in my area is hands down one of the best banking experiences I have ever had. Friendly greetings by name whenever I call or enter the bank. Personal attention to my financial growth needs and strategies. I am shocked to read the past negative comments (I wish they all knew the folks at my branch).

1

Amazing Community Commonwealth Bank

Posted by: |

I've been with First Commonwealth Bank for a long while now. I've used their personal banking where I have both a checkings account which is known as the hometown checking account and the savings account. I had mostly opened up my account online than at a branch but I do believe that the customer service is quite helpful when you're dealing with any problems regarding the account. They also offer student checking as well. The hometown checking does not need a minimum amount deposit to open and there's not a minimum balance to keep but there is a $2 maintenance fee which can be waived. I would definitely recommend this bank as there is not a lot of fees compared to many local, big brand banks.

3

Not Very Personal, Rude And Not Helpful

Posted by: |

This bank is not very personal. The tellers were very corporate like in response, not helpful or flexible in anyway. I have closed my account, I would never deal with them.

2

Biggest Crooks In The Banking Industry

Posted by: |

Wife and I had accounts here and she started finding fraudulent charges on her debit card, she contacted the bank and was told to go in and close the account out and the charges would be investigated for a refund.
She went to the bank with our daughter , explained to them what was going on and what she was instructed to do, and so they closed out the account.
A couple of weeks later we started to receive statements with more fraudulent charges from several different states, I tried to contact the bank but the woman they said we needed to talk to was never available, and so they started to add on their DAILY rip off charges for in sufficient funds on an account that was CLOSED, and did this for several weeks, then turned it over to a collection account.
our other bank, monitors your accounts and have contacted us if something looks fraudulent, apparently First Commonripoff doesn't do this since they probably make a bundle charging daily fees.

2
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Health
A+

Data as of Q4 2023

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #7468
Year Established1880
Employees1475
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.5%
Return on Equity - YTD13.73%
Annual Interest Income$529.7MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$11.41B$9.78B
LoansQ4 2023vs Q4 2022$8.88B$7.55B
DepositsQ4 2023vs Q4 2022$9.25B$8.04B
Equity CapitalQ4 2023vs Q4 2022$1.28B$1.05B
Loan Loss AllowanceQ4 2023vs Q4 2022$117.7MM$102.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$45.7MM$29.4MM
Real Estate OwnedQ4 2023vs Q4 2022$422K$534K
Rates
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Always verify rates and promotions with the bank or credit union. We are not First Commonwealth Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

First Commonwealth Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.48%†--American Dream Savings
0.12%*†$25k*-Hometown Savings
OTHER TIERS: 0.10% → Up to $25k
0.12%*†$10k*-Tower Savers
OTHER TIERS: 0.10% → Up to $10k
0.10%†--Holiday Club
0.10%†--Vacation Club
0.05%†--IRA Savings
0.05%†$500-Health Savings Account
0.04%*†$25k*-Business Savings
OTHER TIERS: 0.02% → $500 - $25k

First Commonwealth Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$10k-Money Market Promotion w/Relationship For First Six Month - New Money
0.50%*†$100k*-Relationship Money Market w/ Relationship
OTHER TIERS: 0.20% → Up to $20k | 0.30% → $20k - $50k | 0.40% → $50k - $100k
0.25%*†$100k*-Hometown Money Market
OTHER TIERS: 0.10% → Up to $20k | 0.15% → $20k - $50k | 0.20% → $50k - $100k
0.25%*†$100k*-Business Hometown Money Market
OTHER TIERS: 0.10% → Up to $20k | 0.15% → $20k - $50k | 0.20% → $50k - $100k
0.25%*†$100k*-Relationship Money Market w/o Relationship
OTHER TIERS: 0.10% → Up to $20k | 0.15% → $20k - $50k | 0.20% → $50k - $100k

First Commonwealth Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*†$5k*-IOLTA / MJ-IOTA Accounts
OTHER TIERS: 0.20% → Up to $5k
0.02%†--Business Checking Plus
0.01%†$500-Hometown Checking plus Interest
0.01%†$500-Hometown Checking plus Interest plus Solutions

First Commonwealth Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.05%†$10k$500k10 Month CD Special - New Money
4.75%†$10k$500k15 Month CD Special - New Money
0.20%†--60 Month CD
0.15%†--30 Month CD
0.15%†--36 Month CD
0.15%†--48 Month CD
0.10%†--24 Month CD
0.05%†--90 - 181 Day CD
0.05%†--182 - 364 Day CD
0.05%†--12 Month CD
0.05%†--18 Month CD

First Commonwealth Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%†--60 Month IRA CD
0.15%†--30 Month IRA CD
0.15%†--36 Month IRA CD
0.15%†--48 Month IRA CD
0.10%†--24 Month IRA CD
0.05%†--90 - 181 Day Traditional IRA CD
0.05%†--182 - 364 Day Traditional IRA CD
0.05%†--12 Month IRA CD
0.05%†--18 Month IRA CD
Locations

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