First Commonwealth Financial Corporation is a financial holding company that provides consumer and commercial banking products and services in the United States. Its consumer offerings include internet, mobile, and telephone banking, an ATM network, checking and savings accounts, money market accounts, debit cards, certificates of deposit, mortgage and installment loans, construction and real estate loans, safe deposit facilities, credit cards, credit lines with overdraft protection, and IRA accounts. Commercial services include commercial lending and leasing, business checking, online account management, payroll direct deposits, cash management, repurchase agreements, and ACH origination. The company also offers trust and asset management, insurance products, and brokerage services for annuities, mutual funds, and stocks and bonds. Founded in 1934, it is headquartered in Indiana, Pennsylvania.