Personal Accounts

Charter Bank’s focus on simplicity and convenience defines our approach to the most basic level of personal finance: checking. We have developed a family of products designed to meet your specific needs while making checking accessible, manageable and uncomplicated.

All of our personal reward checking accounts include:

  • FREE Debit Card with fraud monitoring (Falcon, 800-417-4592)
  • FREE online Banking and Bill Pay
  • FREE Mobile Banking
  • FREE eStatements
  • FREE five (5) Foreign ATM Fees with a maximum of $4.00 per fee (up to $20 per statement cycle)
  • FREE Unlimited Check Writing
  • FREE Notary Service
  • FREE Direct Deposit

Charter Rewards Momentum

Our Charter Rewards Momentum Checking is considered our most popular account as well as a great rewards account. As with all our accounts, this one is also convenient to access and manage. When the most common and simple account requirements are met, you'll enjoy the added features below:

Account Features:

  • $100 minimum for opening an account
  • No monthly service charge
  • Not an interest-bearing account

Make the following simple account requirements during your account cycle to receive your added benefits:

  • 18 Point-of-Sale (POS) transactions per month
  • Receive eStatements each month 
  • Access free Online Banking at least once during the account cycle
  • Have an ACH credit or debit post to your account at least once during the account cycle

We made our account requirements simple and selected the most commonly used ones for you to not miss out receiving these wonderful benefits:

  • Up to an additional $10 for ATM fees will be added to our standard maximum of $20 ATM fees; $30 cap
  • $7.50 maximum cash back on POS transactions

Charter Rewards Precision

Rewards Precision has the benefit of a variety of additional complimentary services, too. Rewards Precision is a great account for the person looking for just simple checking. There's NO monthly service charge if you sign up for our easy eStatements, OR either maintain $500 minimum balance. See features available below:

Account Features:

  • $100 minimum for opening account
  • Unless one of two simple requirements are met, there will be a small $5.00 monthly service charge
  • Not an interest-bearing account
  • Receive up to an additional $10 for ATM fees plus our standard maximum of $20 ATM fees; $30 cap

Charter Rewards Dynamic

We present Charter Rewards Dynamic, a tiered interest-bearing account that showcases our commitment to meeting specific customer needs. This specialized account includes multiple benefits and services designed to ensure a comprehensive, convenient and worry-free checking experience.

Account Features:

  • $100 minimum for opening an account
  • No monthly service charge
  • Tiered interest bearing account

Make the following simple account requirements during your account cycle to receive your added benefits:

  • 18 Point-of-Sale (POS) transactions per month
  • Receive eStatements each month
  • Access free Online Banking at least once during an account cycle
  • Have an ACH credit or debit post to your account at least once during the account cycle

We made our account requirements simple and selected the most commonly used ones for you to not miss out receiving these wonderful benefits:

  • Up to an additional $10 for ATM fees will be added to our standard maximum of $20 ATM fees; $30 cap
  • 1.9819% Interest (2.00% APY) for balances up to $10,000
  • Over $10,000, receive .2497% (.25% APY)
  • .05% (.05% APY) is the base interest tier received on all balances if requirements are not met
  • APY means Annual Percentage Yield

Charter Platinum Money Market

To help you make smart and secure investments, Charter Bank's Platinum Money Market combines profitability with personalization. We offer both competitive interest rates and a friendly, accessible banking environment.

  • Monthly Statement with imaged checks available
  • Maximum of 6 free withdrawals/transfers per month
  • $100 minimum for opening an account
  • Minimum daily balance (to earn Annual Percentage Yield): $2,500

Health Savings Accounts

Begin the New Year right by saving for your health care expenses with a tax-exempt Health Savings Account (HSA).

Health Savings Accounts are tax-exempt accounts that are established by qualified individuals for the purpose of paying certain medical expenses. Due to the complexity of an HSA, it is strongly recommended to seek the advice of a tax professional to determine if you satisfy IRS eligibility requirements.

 

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