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  Charter Bank Interest Checking
Charter Bank Interest Checking
in Checking Accounts from CharterBank · Member FDIC
Unaffiliated

Charter Bank Interest Checking

Unaffiliated
in Checking Accounts from CharterBank · Member FDIC
Net Recommendation Score -50  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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Highlights
Community Rating

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Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05% - 0.15%
(Verified 08/08/2022)
Monthly Fee $0 - $8
Minimum Balance to Avoid Monthly Fee Starting at $1,000

Charter Bank Interest Checking Review

Charter Bank Interest Checking is offered by CharterBank, a bank founded in 1954 and based in West Point, GA. Charter Bank Interest Checking are available in 3 states across the USA.

Key Takeaways

  • Bonus offer. Open a new account and you can get
  • Higher than average APY. Charter Bank Interest Checking has an annual percentage yield of up to 0.15%, which is higher than the national average interest rate on savings accounts.
  • Charges a monthly fee. This account charges a monthly service fee of up to $8, but the fee is waived if you keep a minimum balance of $1,000.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • Bill pay. Pay your bills to practically anyone in the United States through CharterBank.

Charter Bank checking account Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Free debit card
  • No signup bonus.
  • Does not provide access to a nationwide ATM network.
  • Only available in 3 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a higher than average fee on out-of-network ATM transactions.

Charter Bank checking account FAQ

Are checking accounts from CharterBank federally insured?

Yes, your deposits are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Charter Bank checking account offer?

Charter Bank checking account offers an APY starting at 0.05% and ranging up to 0.15% (APY stands for annual percentage yield, rates may change).

Charter Bank checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.15%

What are the account minimums for Charter Bank checking account?

Charter Bank checking account requires a minimum initial deposit of $100 to open an account.

Charter Bank Interest Checking Minimums
Description
Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $1,000

What fees does Charter Bank checking account charge?

This account charges a monthly service fee of up to $8.

Charter Bank Interest Checking Fees
Description
Monthly Fee $0 - $8
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $28.95
Overdraft Item Fee $28.95
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $45
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $25

Does Charter Bank checking account charge overdraft fees?

Yes, Charter Bank checking account charges a $28.95 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.

What features and perks does Charter Bank checking account offer?

This account includes the following features:

  • Fraud monitoring - Charter Bank checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Charter Bank checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

What is the customer support email for Charter Bank checking account?

The customer support email for Charter Bank checking account is webmaster@charterbank.net.

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Message From Charter Bank checking account

Whatever you financial goals are, you’ll need a checking account that fits your needs to achieve them. We offer a variety of checking accounts with different features and benefits to meet your individual needs. Want to earn a higher return for your checking account deposits? Interest checking earns interest that is paid monthly, with higher rate levels available at $10,000 and $25,000. Access to Online Banking, Charter Bill Payer and our Mobile App. No ATM surcharges at MoneyPass ATMs, Free Monthly Statements or E-Statements with check images.

 

Contact

Other Services by CharterBank

Availability

  Available in 3 states
  • Alabama
  • Florida
  • Georgia

Feature Breakdown

Minimum Opening Deposit Starting at $100
Minimum Balance to Avoid Monthly Fee Starting at $1,000
Monthly Fee $0 - $8
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Bank Teller Fee $0
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $28.95
Overdraft Item Fee $28.95
Overdraft Protection Fee (per transfer) $10
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $20
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $45
Wire Transfer Fee - International (Outgoing) $50
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $25
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Member FDIC
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.05% - 0.15%
(Verified 08/08/2022)

Charter Bank Interest Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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