First Commonwealth Bank Promotions: $50, $200, $500 Checking, Business, Referral Bonuses (PA, OH, IN, KY, or WV)

Find the latest listing of First Commonwealth Bank promotions, bonuses, and offers here.

Update 10/8/25:

• The $200 checking bonus has recently been extended through 12/31/25. The $50 referral bonus is stackable with the $200 checking bonus. Feel free to leave a comment with your contact info to refer our readers.
• There’s now a $500 business checking bonus valid through 1/2/26.

First Commonwealth Bank Promotions Review

First Commonwealth Financial Corporation is a financial services company based in Indiana, Pennsylvania, primarily serving the Western and Central Pennsylvania as well as Canton and Columbus, Ohio.

I’ll go over First Commonwealth Bank offers below.

First Commonwealth Bank $200 Checking Bonus

• What you’ll get: $200 bonus
• Where it’s available: PA, OH, IN, KY, WV
• Credit Inquiry: Soft Pull or Hard Pull?
• Credit Card Funding: Unknown
• How to earn it:
  • Earn $200 when you
    • 1) open a new personal checking account in person at a First Commonwealth Bank branch, by phone by calling 844.711.2265 or online at fcbanking.com by 12/31/2025 and use promo code ‘FCB22024’ at the time of account opening
    • 2) complete 10 or more qualifying debit card purchases that post and clear the account within 60 days of account opening. Qualifying debit card purchases are made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments.

(Expires 12/31/2025)

Editor’s Note:

• Here’s an alternative link to the offer.
• It’s been reported to be chexsystem sensitive, so it’s best to apply for the “Confidence Checking” since it’s for people who may have a bad chex record.

First Commonwealth Bank $500 Business Checking Bonus

• What you’ll get: $500 bonus
• Where it’s available: PA, OH, IN, KY, WV
• Credit Inquiry: Soft Pull or Hard Pull?
• Credit Card Funding: Unknown
• How to earn it:
  • Open a new business checking account by 1/2/26 using Promo Code FCBIZ2.
  • Complete 10 or more qualifying transactions that post and clear the account within 60 days of account opening.
    • Qualifying transactions include debit card purchases with a First Commonwealth Bank Business Debit Card made at point of sale using your signature or PIN, or electronically or online using your debit card number, including recurring payments, ACH (debits), and Wires (credits and debits).
  • Complete $3,000 or more in cumulative deposits within 60 days of account opening. The amount of new money deposited with determine your offer amount.

(Expires 01/02/2026)

First Commonwealth Bank $50 Referral Bonus

• What you’ll get:
  • Referrer receives $50 bonus
  • Referee / Person being referred receives $50 bonus
• Where it’s available: PA, OH, IN, KY, WV
• Credit Inquiry: Soft Pull or Hard Pull?
• Credit Card Funding: Unknown
• How to earn it:
  • The Referred person must register by the link provided in the referral email and open a new First Commonwealth Bank personal checking account AND
    • Complete 1 direct deposit of $250 or more OR
    • Complete 10 qualifying debit card purchases that must post and clear the account

(Limited time offer)

First Commonwealth Bank $50 Business Referral Bonus

• What you’ll get:
  • Referrer receives $50 bonus
  • Referee / Person being referred receives $150 bonus
• Where it’s available: PA, OH, IN, KY, WV
• Credit Inquiry: Soft Pull or Hard Pull?
• Credit Card Funding: Unknown
• How to earn it:
  • The Referred person must register by the link provided in the referral email and open a new First Commonwealth Bank business checking account AND
    • Complete a minimum of $2,000 in cumulative deposits
• When it expires: None Listed

(Limited time offer)

How To Waive Monthly Fees

• Confidence Checking: $5 monthly service charge waived when you complete 5 or more customer-initiated transactions during your statement cycle
• Hometown Checking + Interest + Solutions: $10 monthly service charge if deposits fall below $2,000 per statement cycle
• Hometown Checking + Interest: $5 monthly service charge if deposits fall below $1,000 per statement cycle
• Hometown Checking: $2 monthly service charge is waived with eStatement enrollment
• Business Checking: No monthly service charge
• Business Solutions Checking: $25 monthly service charge, which can be waived if the minimum daily balance requirement of $5,000 is met
• Elite Business Checking: No monthly service charge
• Business Checking Plus: $10 service charge, which can be waived if the minimum daily balance requirement of $2,500 is met

Bottom Line

To summarize, First Commonwealth Bank has some of the best promotions, bonuses, and offers in Ohio and Pennsylvania.

For more current offers, check out our bank bonuses page. Compare First Commonwealth Bank rates for CDs and Savings with our best rates for Savings  and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.