Terms & Conditions

Refer-A-Friend Checking Account Offer:


The person making the referral (Referrer) will earn a $50 Visa® Reward Card for each individual or business referred (Referred Person or Business) to First Commonwealth Bank, who does not already have a First Commonwealth Bank checking account, registers for the offer, opens a new First Commonwealth personal or business checking account and completes the other requirements within the time specified in the offer. To make a referral, the Referrer must register for the program, agree to these Terms and Conditions, and submit a valid email address for both the Referrer and each Referred Person or Business. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Reward Card for each Referred Person or Business who fulfills the requirements (the first Referrer that enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one Reward Card for opening an account and completing the requirements, but may also be eligible as a Referrer.

  • As the referrer, by using the ReferLive, the person you are referring may infer that you are a customer of First Commonwealth Bank.


Personal Program Qualifications:

To earn a $50 Visa® Reward Card, the Referred Person must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank personal checking account after receiving the email or social media offer through the official means of the program.

  • Minimum deposit to open the account is $50 for a Hometown Checking account or $25 for a SmartPay Card account.


You must complete at least one of the following requirements within 60 days after account opening.

  • Complete one (1) direct deposit of $250 or more, OR
  • Complete ten (10) qualifying debit card purchases that must post and clear the account


Qualifying direct deposits may include electronically deposited funds by an employer or an outside agency such as a paycheck, pension, or Social Security.
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.

  • Variable-Rate Annual Percentage Yield (APY) for the Hometown Checking + Interest account varies by tier. For example, as of 04/01/2019, APY by tier is: 0.01% for $500+; 0.01% for $2,500+; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account.
  • As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank.

Business Program Qualifications:

To earn a $150 Visa® Reward Card, the Referred Business must register by following the link provided in the referral email or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank Business checking account after receiving the email or social media offer through the official means of the program.

  • Minimum deposit to open the account is $50.

You must complete the following requirements within 60 days after account opening.

  • Complete a minimum of $2,000 in qualifying deposits


Qualifying deposits are new-to-First Commonwealth Bank funds including transfers from another financial institution, deposits made in-branch, at an ATM, or via mobile deposit or remote deposit capture.


  • As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank.

IOLTA accounts, MJ-IOTA, and Estate accounts do not qualify for this offer.

Please allow 4-6 weeks after completion of all requirements for delivery of your Visa® Reward Card (Bonus) to the physical address provided. Bonus may be reported as income to the IRS.


The Bonus offer is not available if the Referred Person or Business already has a First Commonwealth Bank checking account. The program may be discontinued or changed at any time without notice.


The Referrer authorizes the sending of communications to each Referred Person or Business. The email may not be recovered if the person has "opted out" of marketing material from First Commonwealth Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including emails regarding the program unless they “opt out” by making an election at ReferLive or within such email. Returned/invalid email addresses and non-deliverable addresses are not the responsibility of First Commonwealth Bank or its third party vendors. The Referred Person or Business acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward Cards will be mailed to the addresses within the ReferLive registration system.


The Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used.


Visa® is a registered trademark of Visa, Inc. Visa® is not a participant or sponsor of this promotion.   [return to top]



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