Charter Oak checking accounts offer you convenience, flexibility and the right features to fit your busy life! From our Simply Checking to our GO Checking that pays 3% APY*, we've got the checking account for you!
All of our checking accounts include a Charter Oak Visa® Debit Card and our convenient Bill Pay service - with no monthly fee! You can access your accounts through our Call Center, Online Banking, Mobile Banking, our smartphone apps or with our 24/7 Info-Phone service! And our checking accounts offer you peace of mind by being federally insured by the National Credit Union Administration (NCUA).
Take advantage of our great GO Checking offer! Earn 3.00% APY* on GO Checking account balances up to $10,000, plus ATM fee rebates!
GO Checking disclosure and rate information: *(APY = Annual Percentage Yield) The GO Checking Account is a split rate tiered account. 3.00% APY is paid on balances up to $10,000. Balances over $10,000 earn 0.25% APY. The default APY of 0.05% will be applied to all tiered balances if account conditions are not met. All Charter Oak foreign ATM fees will be rebated. Surcharge fees charged by other financial institutions or networks will be rebated up to $9.99 each to a maximum of $20 a month and rebated at the end of the month. Minimum opening deposit of $50. Rates are variable and can change at any time. Account limitations: To earn the stated APYs your account must have e-Statement, Online Banking and 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. Failure to meet any one of these requirements during a calendar month will cause the account to earn the default APY of 0.05% on all tiered balances and ATM fees will not be rebated. This offer can be withdrawn at any time.
Our ComplimenTREE Checking account is full of great features and benefits for the member with Direct Deposit, including no minimum balance and no monthly maintenance fee!
Our SafeGuard eChecking account offers the right flexibility and features for your busy life!
Our Simply Checking account requires no minimum balance to open and no monthly maintenance fees!
A Visa Debit card works like a check. Just use your Visa Debit card when you are ready to pay. Debit card transactions are automatically deducted from your checking account and typically posted within 24 hours of your purchase.
SET YOUR DEBIT CARD PIN 24/7! You MUST have your card in front of you when following the process below:
Please note: If your Debit Card has been locked due to too many attempts with the wrong PIN, your card will unlock at 6pm that evening. If/When that happens, wait for the card to unlock and follow the process above. If the authentication fails, you will be prompted to contact Charter Oak Federal Credit Union @ 860.446.8085 or 800.962.3237 during regular business hours.
DEBIT CARD REISSUE: Active Debit Cards will automatically be re-issued during the month they expire and mailed at mid-month.
To make sure that only YOU can use your Charter Oak Federal Credit Union Visa® debit card to purchase items online, you are now required to register for Verified by Visa. Click on the icon above and follow the instructions. It’s simple and quick!