Last Updated: 01/21/2026
Charter Bank Interest Checking
Unaffiliated
in Checking Accounts from CharterBank
Last Updated: 01/21/2026
Not enough votes for recommendation
Rating not yet determined4 total votes
Explore a similar product
Try this top product in Checking Accounts
Chase Total Checking®
Strongly recommended105 reviews
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreCompare All Checking Accounts
Filter & compare all your options in one place.
Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.15%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0 - $8(Verified 01/21/2026)
Disclaimer popup with additional information
Charter Bank Interest Checking Review
The Charter Bank Interest Checking is offered by CharterBank, a bank founded in 1954 and based in West Point, GA. Charter Bank checking account is available in 3 states.
Key Takeaways
- 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 fee of up to $8, but the fee may be waived if you keep a minimum balance of$1,000.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in CharterBank mobile or online banking.
Charter Bank checking account Pros & Cons
| Pros | Cons |
|
|
Charter Bank checking account FAQ
Are checking accounts from CharterBank federally insured?
Yes, your deposits are insured 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).
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $1,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Charter Bank checking account charge?
This account charges a monthly maintenance fee each statement cycle of up to $8.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $8 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $28.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $28.95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Bank Teller Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $32 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $45 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Charter Bank checking account charge overdraft fees?
Yes, Charter Bank checking account charges a $28.95 fee for every overdraft.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 checks1 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Charter Bank checking account
Other Services by CharterBank
Savings Accounts
Be the first to rate
Community Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-50
-1000+100
No one recommends
Everyone recommends
Charter Bank Interest Checking Community Reviews
Would you recommend Charter Bank Interest Checking to your friends?
JD
John D.
Jul 9, 2018
May or may not recommend
My wife made a call twice to CharterBank customer service today at 800-763-4444. I am not sure how they handle their job, but they hang up and then dropped the call suddenly without saying anything to customer. It is not professional to handle job like that. Please send them back to school to learn how to handle customer service jobs.
LN
Lan N.
Jun 29, 2018
May or may not recommend
It's so bad experience with a customer service at CharterBank this morning. I don't think all of them are the same her. I need the statement from old years which do not exist online, and I had to go to the bank in physical to ask for their help. The customer service wanted to charge me $15.00 for 3 statements. It's ridiculous! I said if I have to pay then ...Show More
U
Anonymous
May 10, 2016
May or may not recommend
Below average service location.
Community Bank with local leadership had been an excellent bank. Since the transition away from that original Community Bank organization, which was well before the name change to Charter occurred, service at this branch deteriorated. It has progressed lower and lower, to the point we are moving our accounts away. Terrible staffing levels, ATM's are often being repaired and aren't in service. ...Show More
U
Anonymous
Apr 18, 2015
May or may not recommend
If you are looking for new place to do your finances with great costumer service, short lines, and like being treated like a person instead of a number, I suggest visiting a Charter Bank. I did and walked out a satisfied customer.
Showing 4 of 4 reviews
Other Services by CharterBank
Savings Accounts
Be the first to rate
You might also like
Best Checking Accounts
SuperMoney
Checking and Savings Accounts: How To Make Them Work Together
Audrey Henderson
Opening a Joint Account: The Definitive Guide
Jessica Walrack
SIPC Crushes Robinhood's Checking & Savings Account
Heather Popovic
Traveler's Checks Alternatives: The Definitive Guide
Jessica Walrack