How much can I get from the First Commonwealth credit union settlement?

You have two cash options (choose one): Cash Payment A pays up to $5,000 for documented out-of-pocket losses related to the breach. Cash Payment B pays an estimated $100 cash with no proof required. Both amounts are subject to pro rata adjustment. In addition to either cash option, you can also enroll in three years of credit monitoring with $1 million in identity theft insurance.

Who qualifies for the First Commonwealth Federal Credit Union settlement?

Any individual residing in the United States whose private information was compromised in the data breach, including all those who received a breach notification. Approximately 98,817 people were affected.

When is the deadline to file a First Commonwealth credit union settlement claim?

The deadline to submit a claim form is February 18, 2026. Claims can be filed online at FCFCUSettlement.com or mailed to the Settlement Administrator.

What credit monitoring does the First Commonwealth settlement offer?

Three years of CyEx Identity Defense Complete, which includes real-time monitoring of your credit file with one bureau, dark web scanning with immediate notification, security freezing assistance, victim assistance, $1,000,000 in identity theft insurance with no deductible, and access to fraud resolution agents. This is available on top of either cash payment option.

Do I need proof to get the $100 cash payment from the FCFCU settlement?

No. Cash Payment B (the estimated $100) requires no documentation. You just submit the claim form. If you have documented losses exceeding $100, you should choose Cash Payment A instead, which pays up to $5,000 but requires receipts, bank statements, or other supporting documentation.

How much is the total First Commonwealth credit union settlement fund?

The total settlement fund is $400,000. This must cover all class member payments, credit monitoring costs, attorneys' fees (up to one-third of the fund), litigation costs (up to $20,000), and service awards (up to $2,000 each for the class representatives, totaling up to $18,000). The net amount available for class members depends on what the court approves for fees and costs.

First Commonwealth Federal Credit Union Data Breach Settlement: $100 Cash or Up to $5,000 + 3 Years Credit Monitoring

Q: What is the First Commonwealth Federal Credit Union data breach settlement?

A class action settlement resolving claims that First Commonwealth Federal Credit Union (FCFCU) failed to protect personal information from a cyberattack that impacted approximately 98,817 individuals. The compromised data included names, addresses, dates of birth, Social Security numbers, financial information, driver's licenses, email addresses, phone numbers, bank account numbers, payment card information, usernames and passwords, and other personal information. The case is Maciejczyk v. First Commonwealth Federal Credit Union, Case No. 2024-C-2592, in the Court of Common Pleas of Lehigh County, Pennsylvania.

Q: What data was stolen in the First Commonwealth credit union breach?

The breach was extensive. Compromised data included names, addresses, dates of birth, Social Security numbers, financial information, driver's licenses, email addresses, phone numbers, relationship status, bank account numbers, payment card information, usernames and passwords, and other personal information. This is an unusually broad range of data types for a single breach.

By Steve Levine

First Commonwealth Federal Credit Union Data Breach Class Action Settlement

Published: February 15, 2026

Claim Form Deadline: February 18, 2026

Payout: $100 cash (no proof needed) OR up to $5,000 for fraud losses + 3 years credit monitoring with $1M insurance

Who Qualifies: Approximately 98,817 people whose information was compromised in the cyberattack on First Commonwealth Federal Credit Union

If you received a letter about a data breach from First Commonwealth Federal Credit Union, you can file a claim for cash and free credit monitoring. The deadline is February 18, 2026.

A cyberattack hit the Pennsylvania-based credit union and compromised the personal information of approximately 98,817 people. A class action settlement has been reached, and there are two ways to get paid — plus three years of credit monitoring on top of either option.

What Happened?

First Commonwealth Federal Credit Union (FCFCU) is a Pennsylvania credit union. It suffered a cyberattack that resulted in unauthorized access to its systems, compromising the personal information of nearly 100,000 people — both employees and customers.

The range of data that was exposed is unusually broad. It includes names, addresses, dates of birth, Social Security numbers, financial information, driver's licenses, email addresses, phone numbers, relationship status, bank account numbers, payment card information, and even usernames and passwords. That's essentially everything a criminal would need to open accounts in your name, access your existing accounts, and commit comprehensive identity theft.

The lawsuit alleges the credit union failed to adequately protect this information. FCFCU denies any wrongdoing, and no court has made any determination of fault. The two sides agreed to settle.

Who Qualifies?

You qualify if you are a U.S. resident whose personal information was compromised in the data breach, including anyone who received a breach notification from First Commonwealth Federal Credit Union. About 98,817 people were affected.

What Can You Get?

This settlement offers two cash options (pick one) plus credit monitoring that you can add to either option.

Cash Payment A: Up to $5,000 for documented losses. If the breach cost you money — through identity theft, fraud, or other out-of-pocket expenses — you can claim up to $5,000 in reimbursement. You need to provide documentation like receipts, bank statements, phone records, or correspondence. Personal statements alone aren't enough, but they can support other documentation. If your Cash Payment A claim is rejected for insufficient documentation, it automatically converts to a Cash Payment B claim so you still get something.

Cash Payment B: Estimated $100 cash — no proof needed. If you don't have documented losses, you can claim an estimated $100 cash payment with no proof required. Just file the claim form. This amount is pro rata, so it may go up if fewer people file or down if more people file.

3 years of credit monitoring with $1 million insurance. On top of either cash option, you can also enroll in three years of CyEx Identity Defense Complete. This includes real-time credit file monitoring with one bureau, dark web scanning with immediate notifications, security freezing assistance, victim assistance, $1,000,000 in identity theft insurance with no deductible, and access to fraud resolution agents. Three years is longer than most data breach settlements offer.

Both cash amounts are subject to pro rata adjustment. If the fund runs short, the settlement prioritizes credit monitoring costs first, then Cash Payment A claims, then Cash Payment B claims.

What Proof Do I Need?

For Cash Payment B ($100): No proof needed — just submit the claim form.

For Cash Payment A (up to $5,000): You need documentation like receipts, phone records, emails, or correspondence showing your losses were related to the breach. Personal statements alone aren't sufficient, but they can provide context alongside other documentation. If your Cash Payment A claim doesn't have adequate documentation, it gets converted to Cash Payment B instead of being rejected outright.

For credit monitoring: No proof needed — just select it on the claim form alongside your cash option.

Important Dates

• People Affected: Approximately 98,817
• Opt-Out Deadline: February 3, 2026 (passed)
• Objection Deadline: February 3, 2026 (passed)
• Claim Form Deadline: February 18, 2026
• Final Approval Hearing: March 5, 2026 at 9:00 AM ET — Lehigh County Courthouse, 455 Hamilton Street, Courtroom 5B, Allentown, PA 18101

Attorneys' Fees

Class Counsel (Ken Grunfeld of Kopelowitz Ostrow P.A. and Raina Borelli of Strauss Borrelli PLLC) will request up to one-third of the settlement fund ($400,000) in attorneys' fees, plus up to $20,000 in litigation costs. Service awards of up to $2,000 each are being requested for the class representatives (up to $18,000 total). All amounts come from the settlement fund.

What Happens If I Do Nothing?

If you do nothing, you get no money and no credit monitoring. You also give up your right to sue First Commonwealth Federal Credit Union over this breach. The only way to receive any benefit is to file a claim by February 18, 2026.

How to File a Claim

File your claim online at FCFCUSettlement.com. You can also request a paper claim form by mail. The deadline is February 18, 2026. To receive an electronic or ACH payment, you must file your claim online.

File a Claim

How Do I Find Class Action Settlements?

Find all the latest class actions you can qualify for by getting notified of new lawsuits as soon as they are open to claims:

Case Information

The case is Maciejczyk v. First Commonwealth Federal Credit Union, Case No. 2024-C-2592, in the Court of Common Pleas of Lehigh County, Pennsylvania, before Judge Douglas G. Reichley.

Defendant: First Commonwealth Federal Credit Union (Pennsylvania credit union).

Class Counsel: Ken Grunfeld of Kopelowitz Ostrow P.A. (Bala Cynwyd, PA) and Raina Borelli of Strauss Borrelli PLLC (Chicago, IL).

Defense Counsel: Joseph McNelis of Constangy, Brooks, Smith & Prophete, LLP (Philadelphia, PA).

Settlement Administrator: Kroll Settlement Administration LLC, P.O. Box 225391, New York, NY 10150-5391.

Settlement Website: FCFCUSettlement.com

Settlement Notice

Sources

• Class Action Settlement Notice, Maciejczyk v. First Commonwealth Federal Credit Union, Case No. 2024-C-2592 (Court of Common Pleas, Lehigh County, PA)
• Settlement Website: FCFCUSettlement.com

Filing Class Action Settlement Claims

Please submit only truthful information when filing your claim. If you are unsure whether you qualify, contact the Settlement Administrator or Class Counsel. OpenClassActions.com is a consumer news site and is not the settlement administrator or a law firm.

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Class Action Summary
Status	Open — Accepting Claims
Claim Deadline	February 18, 2026
Payout Options	~$100 cash (no proof) OR up to $5,000 losses + 3 yrs credit monitoring w/ $1M insurance
Settlement Fund	$400,000
Category	Data Breach / Credit Union / Identity Theft
Defendant	First Commonwealth Federal Credit Union
People Affected	~98,817
Data Exposed	SSNs, bank accounts, payment cards, usernames/passwords, driver's licenses, DOB, more
Case Number	2024-C-2592
Court	Court of Common Pleas, Lehigh County, PA
Judge	Douglas G. Reichley
Opt-Out Deadline	February 3, 2026 (passed)
Final Approval Hearing	March 5, 2026 at 9:00 AM ET — Allentown, PA
Attorneys' Fees	Up to 1/3 of fund + $20K costs
Settlement Website	FCFCUSettlement.com