Benefit Checking - First Commonwealth Credit Union

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Checking with Benefits.

Earn cash back for everyday activities!

Benefit Checking rewards you for your products, services, and activities you do every day. From using your debit card, to paying a loan, to saving for your future, you can earn cash back to help empower your pursuit of financial happiness. The more engaged you are, the more cash back you can earn. This a a cash back checking account that pays to bank.

PLUS: There are NO minimum balance requirements and NO monthly maintenance fees.

Read on for all the details about how you can pad your checking account.

Calculate Your Cash Back Open Benefit Checking Account See Program Terms

Up to $50 Cash Back... Every Month!

Here's how it works:

Throughout the month, you'll earn points for the different products you have and the services and account features that you use. At the end of the month, we'll tally up your points and you'll fall into 1 of 3 Benefit Tiers: "Belong", "Grow", or "Thrive". The higher the tier, the bigger the benefits!

See the points chart below for a full list of ways to earn points.
Use our calculator to estimate your cash back!

counting four ten dollar bills

You'll be incentivized based on the following three categories:

Earn up to $10 from Debit Card Transactions ¹
Earn up to $20 from Loan Payments ²
Earn up to $20 from Certificate Balances ³

Your cash back will be deposited into your Benefit Checking account by the fifth day of the following month.

Table data for How to Earn Points
Description	>/=	<	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

Table data for Cash Back Example
Description	BELONG	GROW	THRIVE
Benefit Points	1 - 7	8 - 13	14 +

30 Debit Card Transactions	$1.50	$2.25	$3.00

$500 Loan Payment	$2.50	$3.75	$5.00

$30,000 Certificate Balances	$1.50	$2.25	$3.00

Monthly Incentive Total	$5.50	$8.25	$11.00

Financial Education

Our financial education resources help you make the best decisions.

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Checking Account

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Disclosures

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.