First Commonwealth Bank

National Bank, fcbanking.com

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About the Bank

First Commonwealth is headquartered in Indiana, Pennsylvania. It operates through First Commonwealth Bank, in 15 counties in western and central Pennsylvania. Financial services and insurance products are provided through First Commonwealth Financial Advisors and First Commonwealth Insurance Agency. The company also jointly owns Commonwealth Trust Credit Life Insurance Company, a credit life reinsurance company.

First Commonwealth Bank Fees

  • National Average
  • Monthly Inactivity $2 $6
  • Non-Sufficient Fund (Overdraft) $25 $30
  • Stop Payment item $32 $27
  • Return Deposit $12 $13
  • Domestic Wire Transfer (Outbound) $25 $22
  • Domestic Wire Transfer (Inbound) $20 $10
  • Non-Bank ATM $2 $1

Locations & Hours

map of local branches and ATMs
Branches
136

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By chivalrousJames Feb 24, 2018

    Auto Loan Nightmare

    To whom it may concern,

    I spoke with Sharon at First Commonwealth Bank (1-800-221-8605). I called the local branch in December of 2016 and was told the last payment was due on March 2017. I stopped making payments because of that phone call. Now, Sharon will not waive the $375 repossession fee. I'm asking for your help. I'm contacting an attorney and I'm telling everyone I know not to bank with First Commonwealth. The bank made a mistake because it was the local branch, they do not record messages, there is no proof. So, I'm responsible for an employee's mistake... a 375 dollar mistake.

    Letter written to First Commonwealth Bank regarding vehicle repossession and fees.

    I am requesting that repossession fees from June 2017 be waived. I called First Commonwealth in December 2016 and asked when my car payments would be completed. I was told in December 2016 by a First Commonwealth employee that my car payments would be completed by March 2017. I made the final payment, as the First Commonwealth employee told me, in March 2017. In June 2017 a repossession truck blocked me in and asked if my name was John. I said no it was James. He tapped the roof of my car and said this is ours. With onlookers looking on, our neighbors, he went on about a bankruptcy I had filed in January of 2016 and said the car was ours. I was told by a First Commonwealth employee in December 2016 that all payments would be completed by March 2017. I never received a notice of repossession in the mail, a phone call, or any notice regarding late payments or repossession. The only knowledge I had was that my car was completely paid off and that knowledge came from the First Commonwealth Employee I spoke with in December of 2016. I had not missed a payment prior to April 2017 nor have I missed a payment since June 2017. The manner in which I was treated in June 2017 by the repossession person was with great disrespect, embarrassment, and insult. Even after I went to the bank to make a cash payment, he continued loudly talking to my wife about bankruptcy in front of my neighbors. I respectfully ask that you waive the repossession fees based on the information I provided above.

    Thank you for your time.

    Sincerely,

    James Baker

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  •  
    Reviewed By mspringer Nov 1, 2017

    Avoid This Bank

    I was a First Merit customer for years. Never a problem. Since the First Commonwealth takeover I'm wondering how this bank can still be in operation. The local branch folks are nice, but the corporate customer service is rude and unhelpful. They can't answer questions and then get rude when pressed for answers. Now today is the first of the month and my pension check hasn't posted because they are having computer problems. It's one thing after another. If anyone is looking for a new bank you can do a lot better than this. I will most likely have to switch banks, but that can be difficult too so I keep hoping they get their act together. But that is looking less and less likely.

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  •  
    Reviewed By PLaboon Aug 2, 2016

    Worst Bank In Pittsburgh

    This company is the WORST. Not only did they screw up an international wire transfer which cost my $4,000 they randomly turned off all our debit cards without contacting us which ruined a $50,000 ad campaign. There is no branch managers in the office and no one knows what's going on or can provide any answers other than "We're look into it and call you back". I desperately wanted to use a small local Pittsburgh Bank (even though my rates are higher...) but more often than not there is a reason they are dying and no one wants to use them.

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  •  
    Reviewed By mspringer Nov 1, 2017

    Avoid This Bank

    I was a First Merit customer for years. Never a problem. Since the First Commonwealth takeover I'm wondering how this bank can still be in operation. The local branch folks are nice, but the corporate customer service is rude and unhelpful. They can't answer questions and then get rude when pressed for answers. Now today is the first of the month and my pension check hasn't posted because they are having computer problems. It's one thing after another. If anyone is looking for a new bank you can do a lot better than this. I will most likely have to switch banks, but that can be difficult too so I keep hoping they get their act together. But that is looking less and less likely.

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  •  
    Reviewed By crazydaizy Apr 22, 2016

    no stars for you u don't even deserve 1 too bad I had to give one cause to me they should be in the minus

    I use first commonwealth and have for a couple years now never had a problem never a bounced check nothing till recently my either google or paypal was hacked it over drew my account now had I done it I would have payed the fees and not said a word but I did not do it well paypal investigated and did find it was indeed unauthorized charges and gave my money back but not the fees well they said email them this everyother bank seeing it was not your fault will waive some or all the fees well call dial a bank NY account balance did not go down it went up and it was already in the minus so I ask to speak with someone which I did the day before to and she said I needed to order a new card which I did they told me oh no more money can be taken off lies when I called the second day to see why the return of the money didn't take the minus amount down any here they left more charges go thru on a card that was to be shut off anyway why would they approve the card if there is no money to approve with now they are trying to bury me again with their fees and 8 dollars and I think they are charging me that 25 a day cause it's went up over 20 dollars in 2 days and there has been no more withdraws but them anyway I called them and told them I only get a little ss check as I am disabled I can't afford all this for charges I didn't even make so the guy says I'll see what I can do and call u back well 2 days so far and still no call back I'm calling ss and telling them do not send my check there they are trying to rob me and I'm closing it and they can stick their charges where the sun don't shine cause I'll pay them when pigs fly they are liars and thieves and I plan on going to everywhere I can and telling them so they get such a bad name I'm taking it to the news every news I can find u can bet on it and on every site I find on here too not to mention my 2000 friends from the area on Facebook anywhere and everywhere I can tell it it will be told

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  •  
    Reviewed By Mike_F Mar 28, 2016

    Ask questions up front and shop around!

    I am unhappy with this bank's unscrupulous business practices. I opened the account in September 2014 and declined the overdraft protection because a high fee is charged for each transaction. I understand that; it's a common bank practice. That's why I declined it. In March 2015, they cleared an electronic check for $31 when I only had $0.39 in the account. They then charged a $35 overdraft fee, putting me at about -$65. Then they began charging $8.00/day, every day, for continued overdraft. When I complained, they said "You declined overdraft protection, but didn't opt-out of our overdraft policies." What? Yeah, I even got that in writing from a vice-president. They then sent me a copy of the 7-page account contract I signed, and somewhere, buried in there, I'm guessing, is some fine print about opting out of their overdraft policies even after declining the overdraft protection.
    My account has been there with a negative balance of $202.00 for a year now. They only stopped the $8/day fee when I filed a complaint with the FDIC, but they refuse to waive the fees. Obviously, I'll never pay them, and I'll continue to find blogs to warn others about their shifty practices.
    So, you've been warned. If you're shopping around for a bank, these guys are no friends of the community. They will find little ways to rob you of your hard-earned money and hide behind their fine print. A normal bank will go over their policies verbally when opening an account, but apparently that's not as profitable for this bank.
    With that kind of service, I'd stay clear of these guys for mortgages or loans, too. Imagine what's buried deep within those complex contracts!

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  •  
    Reviewed By Nathaniel A. Aug 29, 2013

    Worst Bank Ever! They Rob You Blind And Have Ridiculous, Constantly Changing Policies Always Working In Their Favor!

    First commonwealth is a disaster. I've had an account there since 2004 and will be closing it when the check i just deposited clears. In 2005, i deposited a $600 paycheck. I had some cash to begin with, nothing was drawing from the account, and suddenly there was an overdraft charge! Turns out they put my paycheck in the wrong account! Thank heavens i saved the receipt. Had i not done so, i would have been screwed! They corrected the situation and removed the od charge, since it was their error. However, every member of my family has had the same thing happen since! There's no excuse for making the same mistakes over and over! Fc is cutthroat with regards to od fees. They sting you with a $35 fee then tack on $8 each day your account balance is negative. They tried to contact me about this as a "courtesy" but called an obsolete number i know i changed! When i inquired, they told me there was "nothing they could do. " yeah, right. I did have a few overdrafts that were my fault. However, at least a couple of them should have been waived. Once, i deposited a check. Another check happened to clear later that day. But i was charged a $35 od fee, because they didn't credit the incoming check until the next day. They did not inform me of this policy! Then, when i got overdraft protection, they failed to tell me that i had to manually "join" my savings and checking accounts. I had one od and was charged the full $35 instead of $15, because i "didn't read the fine print. " typical bank propaganda. They even began charging me $1. 50 for balance inquiries at other machines. A transaction i understand, but an inquiry? Really? The last straw was depositing a $6,590 check to cover college tuition then being told i had to wait 5 business days for all of the funds to become available, due to another seemingly arbitrary policy, which they essentially made up on the fly. Online banking is ok, but otherwise fc is extremely customer unfriendly and has become very greedy and corr

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  •  
    Reviewed By vibes86 Jul 6, 2016

    Great for bank accounts, Horrible for mortgages

    My husband and I have had bank accounts with First Commonwealth for YEARS and loved their service at each bank branch we've used. However, I would never recommend them for a mortgage. We had a loan officer with 20 years+ of experience that was a disaster to work with and we almost lost out on our home because of the following:
    1. Rejected the first loan application because they didn't read our credit report correctly regarding the type of loan we had on our first home.
    2. The loan officer asked for items near the close of business on the day items were due after being repeatedly told we didn't have access to a scanner after work hours.
    3. Repeatedly asked for the same items over and over. Once claiming she didn't have her computer with her at work.
    4. Kept stating we would be good to close even when she didn't really know. We specifically asked several times if we needed to delay closing so the bank could get their paperwork done. We all felt lied to.
    5. Originally, she was more than helpful and polite. However, the week before closing, she stopped taking phone calls and would only respond via email. She continued to promise that we would get the clear to close on time but she delayed us three times.
    6. Stopped responding all together one evening that the clear to close was due. She did not answer her phone or email all day and sent what she said was the "last item" and then disappeared. She asked for the "last item" about 20 times in one week.
    7. Our mortgage committment was extended twice due to her asking for items at the close of business instead of asking for them while the rest of the loan staff were in the office.
    8. I ended up tracking down her supervisor and a Senior VP I know in the corporate division who were more than helpful in getting our loan in on time. If it weren't for Tom Sullivan and Earl Martin, we would have lost our dream home.

    I would not recommend FCB for mortgages and I especially wouldn't recommend Lisa Fleming.

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  •  
    Reviewed By Mike_F Mar 28, 2016

    Ask questions up front and shop around!

    I am unhappy with this bank's unscrupulous business practices. I opened the account in September 2014 and declined the overdraft protection because a high fee is charged for each transaction. I understand that; it's a common bank practice. That's why I declined it. In March 2015, they cleared an electronic check for $31 when I only had $0.39 in the account. They then charged a $35 overdraft fee, putting me at about -$65. Then they began charging $8.00/day, every day, for continued overdraft. When I complained, they said "You declined overdraft protection, but didn't opt-out of our overdraft policies." What? Yeah, I even got that in writing from a vice-president. They then sent me a copy of the 7-page account contract I signed, and somewhere, buried in there, I'm guessing, is some fine print about opting out of their overdraft policies even after declining the overdraft protection.
    My account has been there with a negative balance of $202.00 for a year now. They only stopped the $8/day fee when I filed a complaint with the FDIC, but they refuse to waive the fees. Obviously, I'll never pay them, and I'll continue to find blogs to warn others about their shifty practices.
    So, you've been warned. If you're shopping around for a bank, these guys are no friends of the community. They will find little ways to rob you of your hard-earned money and hide behind their fine print. A normal bank will go over their policies verbally when opening an account, but apparently that's not as profitable for this bank.
    With that kind of service, I'd stay clear of these guys for mortgages or loans, too. Imagine what's buried deep within those complex contracts!

    Continue reading...
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  •  
    Reviewed By PLaboon Aug 2, 2016

    Worst Bank In Pittsburgh

    This company is the WORST. Not only did they screw up an international wire transfer which cost my $4,000 they randomly turned off all our debit cards without contacting us which ruined a $50,000 ad campaign. There is no branch managers in the office and no one knows what's going on or can provide any answers other than "We're look into it and call you back". I desperately wanted to use a small local Pittsburgh Bank (even though my rates are higher...) but more often than not there is a reason they are dying and no one wants to use them.

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  •  
    Reviewed By vibes86 Jul 6, 2016

    Great for bank accounts, Horrible for mortgages

    My husband and I have had bank accounts with First Commonwealth for YEARS and loved their service at each bank branch we've used. However, I would never recommend them for a mortgage. We had a loan officer with 20 years+ of experience that was a disaster to work with and we almost lost out on our home because of the following:
    1. Rejected the first loan application because they didn't read our credit report correctly regarding the type of loan we had on our first home.
    2. The loan officer asked for items near the close of business on the day items were due after being repeatedly told we didn't have access to a scanner after work hours.
    3. Repeatedly asked for the same items over and over. Once claiming she didn't have her computer with her at work.
    4. Kept stating we would be good to close even when she didn't really know. We specifically asked several times if we needed to delay closing so the bank could get their paperwork done. We all felt lied to.
    5. Originally, she was more than helpful and polite. However, the week before closing, she stopped taking phone calls and would only respond via email. She continued to promise that we would get the clear to close on time but she delayed us three times.
    6. Stopped responding all together one evening that the clear to close was due. She did not answer her phone or email all day and sent what she said was the "last item" and then disappeared. She asked for the "last item" about 20 times in one week.
    7. Our mortgage committment was extended twice due to her asking for items at the close of business instead of asking for them while the rest of the loan staff were in the office.
    8. I ended up tracking down her supervisor and a Senior VP I know in the corporate division who were more than helpful in getting our loan in on time. If it weren't for Tom Sullivan and Earl Martin, we would have lost our dream home.

    I would not recommend FCB for mortgages and I especially wouldn't recommend Lisa Fleming.

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  •  
    Reviewed By Nathaniel A. Aug 29, 2013

    Worst Bank Ever! They Rob You Blind And Have Ridiculous, Constantly Changing Policies Always Working In Their Favor!

    First commonwealth is a disaster. I've had an account there since 2004 and will be closing it when the check i just deposited clears. In 2005, i deposited a $600 paycheck. I had some cash to begin with, nothing was drawing from the account, and suddenly there was an overdraft charge! Turns out they put my paycheck in the wrong account! Thank heavens i saved the receipt. Had i not done so, i would have been screwed! They corrected the situation and removed the od charge, since it was their error. However, every member of my family has had the same thing happen since! There's no excuse for making the same mistakes over and over! Fc is cutthroat with regards to od fees. They sting you with a $35 fee then tack on $8 each day your account balance is negative. They tried to contact me about this as a "courtesy" but called an obsolete number i know i changed! When i inquired, they told me there was "nothing they could do. " yeah, right. I did have a few overdrafts that were my fault. However, at least a couple of them should have been waived. Once, i deposited a check. Another check happened to clear later that day. But i was charged a $35 od fee, because they didn't credit the incoming check until the next day. They did not inform me of this policy! Then, when i got overdraft protection, they failed to tell me that i had to manually "join" my savings and checking accounts. I had one od and was charged the full $35 instead of $15, because i "didn't read the fine print. " typical bank propaganda. They even began charging me $1. 50 for balance inquiries at other machines. A transaction i understand, but an inquiry? Really? The last straw was depositing a $6,590 check to cover college tuition then being told i had to wait 5 business days for all of the funds to become available, due to another seemingly arbitrary policy, which they essentially made up on the fly. Online banking is ok, but otherwise fc is extremely customer unfriendly and has become very greedy and corr

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  •  
    Reviewed By mtngirl1969 Jun 2, 2014

    Horrible Bank - I don't recommend them to anyone

    Don't bank here. They are unwilling to listen or assist, but all too eager to "hold your money for days" for your protection when trying to cash a check. I am leaving this bank I have used for years. They are shysters, and the folks in the Century Three Location are just plain rude. This is the 3rd, and hopefully last time they will ever be able to "hold my money for my protection" for days, when we all know that they will have it electronically within minutes.

    Don't believe their lies. Bank elsewhere! They have "held money" that is from a valid business - for days and one time for a week - for "My protection" and "it is their policy" and "I don't have the money to cover the check I am depositing from the business" and every other excuse under the sun. They just dont give a crap about the customer. They don't care that (as we all know now) checks clear almost instantly, but they still hold your money, my money for days, and charge exorbitant fees when you try to spend your money before "their policy of hold times are up". This is the most ridiculous bank ever. Folks - shop around - there are much better places.

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  •  
    Reviewed By Kim G. Apr 14, 2014

    Dangerous situation

    My elderly father had power of attorney done between two sons. Father now has dementia and sons are not getting along. Bank will not help with this situation at all. It's like they don't care and just will keep my fathers money until the brothers agree. Will not whatsoever offer any solutions to assist with the distribution of my dad's money for his care. Just awful. They don't care about that the nursing home will not get paid or my dad's medication will not get paid, etc. etc. They are just going to hold the money. They don't care that they are putting my dad in a dangerous situation!

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  •  
    Reviewed By Acountnumberexpendable5 Jan 8, 2014

    First common wealth where its time to be first......what they don't tell you is that the first shall be last.

    They wont give me a debit card. My girlfriend sort of took 100 by fraud by depositing an empty envelope. However, I paid it back 3 fold as soon as i found out about it 8 hours later. I apologized. they said it was ok. I was happy the cops were not involved. Well they froze my card so the atm ate it. They offered to give it back. "No", I said, "Ill just order a new one; its cracking". so we fill out the paper work. she said 10 days . I call back 14 days later. They say they have no clue. they'll call me back. I never get a phone call. So i call the next day. I explain to the lady the situation. she replies, in an asshole sort of way, that security is suspending the ease of access to my money for 6 months. OK i get that. but how about letting me in on it instead of giving me the run around and not calling me back. i didn't even get a letter. if i owed them 5 dollars id get first class mail and a 35 dollar fee. to top it off the lady had no sympathy what so ever not even a "sorry about that" I relied on that card to pay all my bills online. It was very much an inconvenience.
    Screw you Patty Tascarella president of the assholes. I wonder how'd ya feel if no one would let you know how poorly your joke of company was doing in the market for a few weeks.
    o and i play piano a bit and the same notes keep going through my head. F C B B A D

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