Benefit Checking

Turn your daily purchases into cash back.

It's more than just a checking account — it's an opportunity to earn cash back on your everyday transactions. With added perks like no monthly fees when enrolled with eStatements and no minimum balance requirements, this is an account that works for you.

Open Benefit Checking Account

How It Works

Earn points throughout the month based on your product usage, services, and account features.
At the end of the month, your point totals will determine your tier – Belong, Grow, or Thrive – each offering its own set of exciting benefits.

Table data for Benefit Checking
	BELONG	GROW	THRIVE
Points Requirement	1 - 7 points	8 - 13 points	14 or more points

Debit Card Transactions¹	$0.50 per 10 transactions	$0.75 per 10 transactions	$1.00 per 10 transactions

Loan Payments²	0.50% of payment	0.75% of payment	1.00% of payment

Certificate Balances³	$0.50 per $10,000	$0.75 per $10,000	$1.00 per $10,000

Table data for How to Earn Points
Description	Greater than/Equal to	Less than	Points
Share Balances	-	$100	0

	$100	$10,000	1

	$10,000	$50,000	2

	$50,000	$100,000	3

	$100,000	+	4

Debit Card Transactions	1	20	1

	20	+	2

Credit Card Transactions	1	10	1

	10	20	2

	20	+	3

Years of Membership	5	10	1

	10	20	2

	20	+	3

Table data for Earn Even More Points
Description	Points	Alert Me
Loans

Auto / Motorcycle RV / Boat Loans	1

Home Equity Loan	2

Mortgage	3

Other Consumer Loans	1

Account Activity

Active Digital Banking	1

e-Statements	1

Mobile Check Deposit	1

Direct Deposit (>/= $500/mo.)	2

Automated Loan Payment	1

ACH Transaction	1

Investment Services	2

Credit union membership required. Subject to approval. Certain restrictions may apply. See Benefit Checking terms and conditions for details and restrictions of the program.

1. Qualified Debit Card Transactions must post to the account by the last day of the month. You must reach an increment of 10 transactions to receive the full bonus. The following transactions are not included in the calculation of the increments of 10 transactions

Transactions less than $10
Transactions related to online gambling
ATM transactions

First Commonwealth also reserves the right to determine which other transactions may be excluded. Reward limited to 100 Qualified Transactions. A monthly maximum of $10 can be earned for Debit Card Transactions.

2. Cash Back calculated based on the sum of all payments made on closed end loans and lines of credit with balances. Mortgage payments and courtesy repayment loans are not included in calculation for loan payments. A monthly maximum of $20 can be earned for the Loan Payment Bonus. In addition, any amount paid in excess (additional principle) of the monthly amount due pursuant to the loan agreement/payment plan will not be included in the calculation of loan payments.

3. Cash Back calculated based on the sum of all open Certificates. IRA Certificates are not included in the calculation. A monthly maximum of $20 can be earned for the Certificate Balance Bonus.

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Benefit Checking

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Benefit Checking

How It Works

How to Earn Points