Personal Checking Accounts
A Checking Account You Can Feel Good About.
Whether you’re opening your first account or optimizing your financial life as an adult, our personal checking options offer the flexibility, security, and support you deserve. Backed by more than 85 years of trust and community commitment, we’re here to help you manage your money with confidence.
Experience checking made simple. Secure. Smart.
Join a credit union that puts you first—today and always. Applying Online Is Simple.
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All accounts come with our digital suite. Learn More >
GO Checking
Our GO Checking¹ account is built for members who want more from their everyday banking. Earn 3.00% APY* on balances up to $10,000, while enjoying the freedom and flexibility of a checking account designed to keep up with your life.
Whether you're managing daily expenses, saving for your next adventure, or building smarter financial habits, GO Checking gives you the convenience of easy access with the power of a high-yield return. GO Checking is more than just an account. It’s your financial companion, built to help you earn more, spend smarter, and stay in control every step of the way. A seamless blend of earning potential and convenience and a dependable account that supports you—wherever your journey may lead.
With GO Checking you get:
- Visa Debit Card - Learn More>
- ATM rebates
- No monthly maintenance fee
- First order of checks free
- Free Online Banking with check images
- Bill Pay with no monthly fee
Bright Future Checking
Built for the next generation... Designed specifically for members ages 14 through 28, our Bright Future Checking² account gives young adults the tools, flexibility, and confidence they need to manage their money and build strong financial habits.
Perfect for teens, students, and young professionals, Bright Future Checking offers easy access, smart features, and the support of a trusted credit union—all in one simple, secure account. More than just a checking account —it's the first step toward financial independence, designed to help members learn, grow, and thrive.
Pair with our "Grow My Change" program
Round up everyday debit card purchases to the nearest dollar and automatically deposits the spare change into your Bright Future Savings account. It’s an effortless way to build savings a little at a time—because small steps today lead to big results tomorrow.
Why Bright Future Checking?
- Easy, convenient access to your money
- No minimum balance
- ATM fee rebates
- Secure digital tools that keep you connected and in control
ComplimenTREE Checking
Our ComplimenTREE Checking account is designed to make everyday banking easy and stress-free—especially for members with Direct Deposit. Packed with valuable features, it’s the perfect account for anyone looking for simplicity and convenience.
Whether you're managing your first paycheck or streamlining your financial routine, ComplimenTREE Checking gives you a solid foundation to support your financial goals. A fresh, uncomplicated way to bank—rooted in value, built for you.
With ComplimenTREE Checking, you’ll enjoy:
- No minimum balance requirement
- No monthly maintenance fee
- Free checks and Online Banking with check images
- All ATM transactions are free³
- Seamless integration with Direct Deposit for faster, easier payday access (Direct Deposit required to maintain account)
Simply Checking
Our Simply Checking account makes managing your money easy and affordable. With no minimum balance to open and no monthly maintenance fees, it’s the perfect checking solution for anyone who wants simplicity without sacrificing convenience or value.
Whether you’re paying bills, managing day-to-day expenses, or keeping track of your balances online, Simply Checking gives you all the essentials—without the extra cost. Simple, convenient, and built to fit your lifestyle.
Member Benefits Include:
- First order of 40 checks — FREE
- 10 free check clearings or cash withdrawals each month
(Just $0.50 per check or withdrawal after 10 — debit card and ATM card transactions excluded) - Free ATM withdrawals at all Charter Oak ATMs
- Free Online Banking with access to check images
- Bill Pay with no monthly fee
SafeGuard eChecking
Our SafeGuard eChecking⁴ account is designed for members who want a modern, digital-first checking experience without the worry of overdraft fees. Built with simplicity and security in mind, it gives you the control you need and the flexibility your busy life demands.
If you’re looking for a simple, secure checking option that puts you in full control, SafeGuard eChecking is the perfect fit for your digital lifestyle.
Member Benefits Include:
- Spend safely — You can only use the funds available in your account, helping you stay on budget and avoid surprises.
- Digital convenience — Online Banking and e-Statements are required, giving you an easy, eco-friendly way to manage your finances anytime.
- Free ATM withdrawals at all Charter Oak ATMs
- No overdraft fees — ever
- No checks, Mobile Deposit, or Shared Branching
- One SafeGuard eChecking account per member
*APY = Annual Percentage Yield
1. GO Checking disclosure and rate information: The GO Checking Account is a “Split Rate Tiered” account. You will earn the stated APY only for the account balance within each tier. 3.00% APY is paid on balances up to $10,000. Balances over $10,000 earn 0.25% APY. The “Default APY Rate” of 0.05% will be applied to all tiered balances if account conditions are not met. This account will also rebate all Charter Oak foreign ATM fees and ATM surcharge fees by other financial institutions or networks up to $9.99 each to a maximum of $20 per month and rebated monthly if certain conditions are met. Account Conditions: To earn the stated APYs and rebate of ATM fees, you must have e-Statement, Online Banking, 10 Debit Card transactions posted per month (excluding ATM transactions) and have either Direct Deposit of $750 posted in each calendar month or have 4 unique “Bill Pays” cleared in each calendar month except for the month the account is opened. If you fail to meet these requirements your account will earn the “Default APY Rate” of 0.05% on all tiered balances and ATM fees will not be rebated. This account is a variable rate account and rates can change at any time. This offer can be withdrawn at any time. Limit of one GO Checking Account per qualified member number.
2. The Bright Future Checking Account is available for individuals between 14 and 28 years of age. Individuals age 14 through 17 require a parent/guardian as a joint account owner. At age 29, the Bright Future Checking Account will convert to Charter Oak’s GO Checking Account. See GO Checking Disclosure for account requirements. The Bright Future Checking Account will rebate all Charter Oak foreign ATM fees daily and ATM fees surcharged by other financial institutions or networks up to $9.99 each to a maximum of $10 per month will be rebated monthly if certain conditions are met. Account Conditions: To earn the rebate of ATM fees, you must have e-Statement, Online Banking, and 5 Debit Card transactions posted per month (excluding ATM transactions) and a Bright Future Savings Account. Failure to meet any one of these requirements during a calendar month will cause ATM fees surcharged by other financial institutions to not be rebated. This offer can be withdrawn at any time. Limit of one Bright Future Checking Account per Social Security number.
3. Excludes surcharge imposed by the owner of foreign ATM's
4. Limit of one SafeGuard eChecking account per social security number.
Rates Effective December 7th, 2025