If you haven't already, consider enrolling in e-Statements to help reduce the impact to our environment. e-Statements can't get lost in the mail or stolen by identity thieves. Sign up in Digital Banking today!
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Negotiate with the power of a cash buyer with an Express Loan Check. This works like a personal check. Once pre-approved, you receive the Express Loan Check. Just make it payable to the car dealer for the purchase price, up to the approved maximum loan amount. This loan amount is determined by an evaluation of credit, amount, term, and other factors. Loan to value restrictions may apply. If you change your mind, you are under no obligation to use it (just shred it up for your safety). The Express Loan Check is valid for 30 days. Apply online, in-person or call us at 610.821.2403.
Yes! No credit history? No problem!
First Commonwealth only offers second home mortgages for properties located in Pennsylvania and New Jersey. Talk to a Mortgage Specialist to run through detailed options.
submit your taxes here.
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A health plan that satisfies both an annual deductible and a maximum out-of-pocket medical expense requirement. The annual minimum deductible is $1,350 for 2019 and the out-of-pocket expense cap cannot exceed $6,750 for 2019 for single coverage. The annual deductible must be at least $2,700 for 2019 and the out-of-pocket expense cap cannot exceed $13,500 for 2019 for family coverage. Individuals with single coverage may contribute up to $3,500 in 2019 and individuals with family coverage may contribute up to $7,000 in 2019. Eligible individuals that are age 55 and older may make HSA catch-up contributions up to $1,000.
Health Savings Accounts allow members to set aside money for future medical expenses. There are certain tax advantages to HSAs, e.g contributions are tax deductible and earn interest tax free until withdrawn. Withdrawn funds used to pay for "qualified medical expenses" remain tax free
Yes, the HSA owner will file form 8889 annually to report the amount of distributions used for qualified medical expenses.
No. HSAs roll over from year to year and are fully portable from one Custodian/Trustee to another.
Distributions from HSAs may be exempt from federal income tax and penalties, depending on whether the HSA owner has qualified medical expenses.
HSA assets are payable on demand. There are no distribution restrictions on when and how often an HSA owner may take distributions from an HSA. Using checks and debit cards are acceptable means of withdrawing HSA assets from the account.
Individuals with single coverage may contribute up to $3,500 in 2019 and individuals with family coverage may contribute up to $7,000 in 2019. Eligible individuals that are age 55 and older may make HSA catch-up contributions up to $1,000.
Any individual including an eligible individual's employer may contribute to an HSA.
Contributions must stop once the HSA owner reaches age 65. Contributions cannot be made beginning with the month the eligible individual enrolls in Medicare.
Any individual who is covered under a HDHP and generally does not have coverage under another non HDHP is eligible for an HSA. The eligible individual can not be enrolled in Medicare and is not eligible to be claimed as a dependent on another individual's tax return.
Members can deposit checks into their checking or savings account.
You can deposit checks at any time. Checks will have an immediate release of $400. The remainder of the amount will be on hold for 2 business days.
To avoid overdrafts and/or fees, check your account online to verify that the funds have been made available.
After confirming the check has been deposited into your account, we recommend that you write on the front of the check-in ink these words: “Mobile Deposit on DATE” (where DATE is the full date you deposited the check by Mobile Deposit) then securely store the deposited check for a minimum of 30 days, then destroy it. Keep your check-in a secure place until you destroy/shred it.You should keep the check for 30 days after the deposit to provide sufficient time should the original item be required for any reason.
Members can deposit up to $3,000 per day with a monthly maximum of $15,000.Business members should discuss limits with their Relationship Manager.
It is important to track your deposit limits - both count and dollar! If your current deposit puts you over the limit, you will receive a generic error on the mobile app: “Deposit Failed: Deposit limit has been exceeded. Please contact your financial institution.”
If this is in regards to a daily limit, you can use Mobile Check Deposit the next day to deposit your check. If you have surpassed your monthly limit, the check will then need to be deposited at a First Commonwealth Financial Center.
Members can deposit up to 20 checks per day with a maximum limit of 35 checks per month.Business members should discuss limits with their Relationship Manager.
Yes, you are required to endorse the back of the check you are depositing as " For mobile deposit only” or as otherwise instructed by FCFCU.
This will depend on the speed of your connection. Wi-Fi transmission submits times are usually in the 5-10 second range. The network transmission times range from 10-30 seconds. Weaker signal strength may result in a slower response time.
Your standard wireless carrier charges apply.
There is no charge for members to use Mobile Check Deposit. Business Members: please contact your Relationship Manager for more details.
You can securely deposit checks from anywhere, anytime - even if you are not near a Financial Center or ATM. This saves time and expense by reducing trips to the credit union to deposit checks.
Mobile Check Deposit is currently available for the Android (Operating System version 4.1 or higher), iPhone (Operating System version 5 or higher), and iPad. The phone camera needs to be rear-facing and 4+ megapixel resolution with flash. Although some different devices will work for the mobile app, the camera specs may not be considered optimal for capturing images. To troubleshoot your device, please check the phone specifications online or with your wireless provider.The entire check needs to be captured between the overlay boundaries on a flat, dark surface to ensure proper check imaging.
ANDROID Devices - TIP: To capture the best image - Tap to focus!
First Commonwealth members, who maintain an eligible checking or savings account are eligible. You must be a member for at least 60 days before you can enroll in this Digital Banking App feature. Enrollment is not guaranteed as some restrictions may apply. Business Members: please contact your Relationship Manager for more details.
Anyone that has a Direct Deposit posting to their account in the past 30 days can add a Direct Deposit Distribution.
Access this feature by selecting Direct Deposit Distribution located under Services in the navigation tree located on the left side of the screen.
Select your payroll transaction from the dropdown. Click the Plus Sign (Add a new direct deposit distribution) to add additional accounts for distribution.
Select the account or loan to which you want to make the distribution. Enter a percentage or dollar amount.
Distributions will happen in the order in which they are set up. Distributions will continue until funds are exhausted or distribution are complete, whichever comes first. Excess funds will remain in the account to which they are deposited.
Each employer has their own process for setting up your payroll for Direct Deposit. Reach out to your Human Resources Department. Provide them with your account number and our Routing Number (231379199). Social Security or other governmental direct deposits should be set up using godirect.gov.
Transfers happen on a scheduled basis, regardless of when your payroll is received. Direct Deposit Distributions will only occur when your payroll is received.
The transfer is tied to your deposit and not to a point in time. It is set up based on the company name of the deposit and will occur when the deposit is recognized by that company name. Once set up the distributions will not occur until the next time the payroll is deposited to the account.
You can add distribution to any account or loan that you have access to in Digital Banking.
If your distributions are set with percentages, the amount of your distribution will change based on your total deposit. If your distributions are set with specific dollar amounts only those amounts will distribute, and the excess amount left in your account will change.
Simply set your distribution account and then choose 100% for the distribution amount.
If you would like to make a change to the distribution amounts, add or delete an account or loan, simply log back into Digital Banking, and select Direct Deposit Distribution from the Service Menu. Select your deposit from the drop-down menu. Your current distributions will display. You will be able to make changes to the distribution amounts, add a new account by selecting the plus sign button or delete an existing row by selecting the trash can symbol. Then click Update Change.
New distributions or changes to existing distributions do not occur until the next time the payroll is deposited into your account.
Sometimes the information used to send the deposit is changed by the company submitting the payroll. When that occurs, the current distribution will no longer recognize the deposit. A new distribution will need to be set up based on the most recent deposit to your account.
A payee is the issuer of a bill that is due to be paid by you.
Clicking “Add payee” at the top of the payments page will walk you through a one-time, step-by-step setup process to gather key information used to send your payments.
Categories allow you to group your payees for customized listings, whether you’re scheduling payments, viewing pending transactions, or researching your transaction history. You can manage your categories under my account and assign a payee to a category when adding or editing them.
When adding a payee, choose the “Pay an individual” option. Whether you have their deposit account information or not, there are options readily available to send your payment.
No. Holidays and weekends are designated as ineligible for payment processing and will affect the dates available to select when scheduling your payments.
Memos are available for use when there is additional information about the payment you need to disclose. (example: adding “apply extra payment to principal” on a mortgage payment)
To set up a recurring payment, click the “make it recurring” link located in the “Action” column of your payee on the payment page. Enter the amount; select the payment from an account and the frequency you want your payments to be automatically scheduled.
Yes. Your ability to edit or stop a payment after 7:30 AM EST on its designated process date will be unavailable while funds for bill payment are being verified. Payments that pass verification are processed and cannot be edited or stopped. Payments that fail verification due to insufficient funds and any FCFCU loans that are not current will be canceled. (Once the item is processed it cannot be canceled. Bill Pay will attempt to process at 8 am and a second time will happen at 3 pm. If it doesn’t process it will be canceled. Debit happens around 8:10 am and/or 3:10 pm.)
Payments may process electronically or by check. Electronic payments will either process through ACH. The goal is to deliver your payment securely, using the fastest method available for your payee.
Not necessarily. If your payee establishes new electronic payment relationships or discontinues them, your payment processing method may be impacted. A check payment may start processing electronically, or vice versa depending on the payee.
eBills present due dates and amounts from your billing statement to alert you when it’s time to schedule payments.
Your payee must have a website available to view your bill online to be eligible for eBills. If your payee is eligible for eBills in bill pay you will need to provide the credentials to access the bill information for that payee.
Autopay will schedule a payment for you when your new eBill arrives based on your preferences.
A pay from an account can be added by accessing “My account” and clicking the “Add account” link located in the pay from account section.
A pay from an account can be edited by accessing “My account”, clicking the “View account” link, and clicking “Edit” next to the pay from account.
Click “My account” and use the “View alerts” link under the “Notifications” section of the page to set the notifications preferences within your bill pay account. To add a reminder from the payment page, click the payee name and use the “Add reminder” link to have notifications sent to your phone or email when a payment is due.
If there are actions required, the “Attention required” indicator will appear to notify you and provide links to help you resolve the items.
Under “My account”, click the “View/Edit personal information” link to review or edit your information.
Contact options are available by phone at 866-753-1760 or using our live chat feature Chat Now located at the top right of each page.
This benefit is available to all Visa Signature Empower card holders who pay their monthly cellular wireless phone bill the month prior to the damage occurring.
• If You have personal insurance that covers theft, damage or involuntary and accidental parting for Your cell phone, this benefit reimburses You for the deductible portion of Your cell phone insurance.• If You do not have personal insurance, the benefit reimburses up to $250.00 per claim as determined by your benefit administrator with a maximum of two (2) claims and $250.00 per twelve (12) month period.
Depending on the nature and circumstances of Your claim, the Benefit Administrator may choose to repair or replace Your cell phone with benefits totaling up to $250 in reimbursement.
If the cell phone is damaged, do not discard it until the claim has been fully reviewed. Based on the details of the claim, the Benefits Administrator may request additional verification.
See full details in the Guide to Benefits.