First Commonwealth Bank

Headquarters: Indiana, Pennsylvania
Charter: Bank
Assets: $12.2B
Fed district: Cleveland

25 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Hometown Checking $2 · Confidence Checking $5 · Confidence Checking® $5 · Hometown Checking Plus $10 · Hometown Checking Premium $15
Compared at $5, the middle of its prices
First Commonwealth Bank: $2 to $15
First Commonwealth Bank: $2 to $15
U.S. median: no median
Overdraft (OD)
First Commonwealth Bank: $35
First Commonwealth Bank: $35
U.S. median: no median
NSF / Returned Item
First Commonwealth Bank: $35
First Commonwealth Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from First Commonwealth Bank’s own schedules, with a source for each figure.

Account Maintenance

Confidence Checking Monthly service charge$5
per month · waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Hometown Checking monthly service charge$2
per month · $2 monthly service charge is waived with eStatement enrollment
Monthly service charge$5
per month · waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Monthly Service Charge$10
per month
Monthly Service Charge$15
per month
Account Inactivity Fee$5
Research (per hour – 1 hour minimum) (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement FeeNo charge
Excessive Transaction Fee (per item) 10 (audience not stated, treated as personal)$6
per item
Return Mail Fees (per item)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Fee for Overdraft (OD) occurrence (per paid item) 6$35
Non-Sufficient Funds or Overdraft fee$35
per item
Fee for Non-Sufficient Funds (NSF) occurrence (per unpaid item) 6$35
Continuous Overdraft Fee (OD), per Business Day, beginning on the 5th calendar day of continuous$8
per day
Continuous Overdraft fee for each day yo$8
per day
Automated Account to Account Transfer of Funds for Overdraft Protection Sweep$15

ATM & Card

ATM Inquiry (each) 2$3
per item
ATM Transfer (each) 2$3
per item
ATM Withdrawal (each) 2, 3$3
per item
ATM/Debit Card Replacement (each)No charge
Express Issue/Replacement of ATM/Debit or Credit Card (each)$30
per item

Wire Transfers

Wire Transfers: Outgoing – Domestic$25
Wire Transfers: Incoming – Domestic$20
Wire Transfers: Outgoing – International$55
Wire Transfers: Incoming – International$20

Check Services

Official Checks$15
Personal Money Order for Client (each)$5
per item
Stop Payment Fee (per item)$32
per item
Counter Checks (4 on a sheet)$4
Canadian check processing (each plus costs)$10
per item
Collection Items: Incoming (per item)$25
per item
Check Copies (per page – 12 checks per page) (audience not stated, treated as personal)$5
Not compared: Charged per page; comparison unavailable
per page
Check Image Fee (per month) 7$3
Not compared: Monthly charge, not per item
per month
Deposit Tickets and Associated Checks (per copy) (audience not stated, treated as personal)$5
per item

Cash & Deposit

Night Deposit Service (per year)$25
Not compared: Annual charge, not per item
per year

Account Services

Notary Fees (per document) Only available to clients$5
per item
Drilling a Box (includes key replacement)$150
Not compared: Box drilling or key fee
Key Replacement$25
Not compared: Box drilling or key fee

Retirement & IRA

IRA Early Withdrawal Administrative Fee$25
IRA External Transfer Withdrawal Fee$50

Other Fees

Overnight Delivery$34.95
Statement Copies (per statement) (audience not stated, treated as personal)$5

Fee	Amount	Basis	Note
Account Maintenance
Confidence Checking Monthly service charge	$5	per month	waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Hometown Checking monthly service charge	$2	per month	$2 monthly service charge is waived with eStatement enrollment
Monthly service charge	$5	per month	waived when you complete 5 or more customer-initiated transactions during your statement cycle8
Monthly Service Charge	$10	per month	None
Monthly Service Charge	$15	per month	None
Account Inactivity Fee	$5	Not stated	None
Research (per hour – 1 hour minimum) (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	No charge	Not stated	None
Excessive Transaction Fee (per item) 10 (audience not stated, treated as personal)	$6	per item	None
Return Mail Fees (per item)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Fee for Overdraft (OD) occurrence (per paid item) 6	$35	Not stated	None
Non-Sufficient Funds or Overdraft fee	$35	per item	None
Fee for Non-Sufficient Funds (NSF) occurrence (per unpaid item) 6	$35	Not stated	None
Continuous Overdraft Fee (OD), per Business Day, beginning on the 5th calendar day of continuous	$8	per day	None
Continuous Overdraft fee for each day yo	$8	per day	None
Automated Account to Account Transfer of Funds for Overdraft Protection Sweep	$15	Not stated	None
ATM & Card
ATM Inquiry (each) 2	$3	per item	None
ATM Transfer (each) 2	$3	per item	None
ATM Withdrawal (each) 2, 3	$3	per item	None
ATM/Debit Card Replacement (each)	No charge	Not stated	None
Express Issue/Replacement of ATM/Debit or Credit Card (each)	$30	per item	None
Wire Transfers
Wire Transfers: Outgoing – Domestic	$25	Not stated	None
Wire Transfers: Incoming – Domestic	$20	Not stated	None
Wire Transfers: Outgoing – International	$55	Not stated	None
Wire Transfers: Incoming – International	$20	Not stated	None
Check Services
Official Checks	$15	Not stated	None
Personal Money Order for Client (each)	$5	per item	None
Stop Payment Fee (per item)	$32	per item	None
Counter Checks (4 on a sheet)	$4	Not stated	None
Canadian check processing (each plus costs)	$10	per item	None
Collection Items: Incoming (per item)	$25	per item	None
Check Copies (per page – 12 checks per page) (audience not stated, treated as personal)	$5Not compared: Charged per page; comparison unavailable	per page	None
Check Image Fee (per month) 7	$3Not compared: Monthly charge, not per item	per month	None
Deposit Tickets and Associated Checks (per copy) (audience not stated, treated as personal)	$5	per item	None
Cash & Deposit
Night Deposit Service (per year)	$25Not compared: Annual charge, not per item	per year	None
Account Services
Notary Fees (per document) Only available to clients	$5	per item	None
Drilling a Box (includes key replacement)	$150Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Retirement & IRA
IRA Early Withdrawal Administrative Fee	$25	Not stated	None
IRA External Transfer Withdrawal Fee	$50	Not stated	None
Other Fees
Overnight Delivery	$34.95	Not stated	None
Statement Copies (per statement) (audience not stated, treated as personal)	$5	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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