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Charter Bank

Personal Checking

Free Checking


  • No monthly service charge
  • $100 minimum balance to open
  • No minimum balance to avoid service charge
  • No per item fees

N.O.W.


  • Interest bearing checking; interest is compounded and credited monthly
  • $100 minimum balance to open
  • $1,000 minimum balance to avoid service charge
  • $15 monthly service charge fee
  • No per item fees
  • Accrued interest is forfeited if account is closed before the end of the statement cycle

Charter Choice


  • Flat fee checking account
  • $100 minimum balance to open
  • $800 minimum balance to avoid service charge
  • $8 monthly service charge fee
  • No per item fees

Your ability to withdraw funds


Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our cut-off time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cut-off time, or on a day we are not open, we will consider the deposit was made on the next business day we are open.

In some cases, we will not make all of the funds you deposit by check available to you on the first business day after the day of your deposit, funds may not be available until the second business day after the day of your deposit. Other conditions may apply. Please ask one of our employees for a complete Funds Availability Policy.