Become a Member

Becoming a member is faster and easier than ever… 24/7 anytime, anywhere!

Let’s Begin

Existing Members

Existing members can now open a checking account or other deposit products online.

Open Another Product

Resume Application

Resuming an unfinished application?

Resume Here

Become A New Member Today!

It only takes a few minutes and you’re a member of Charter Oak. See below for important information and to get started!

  • A Savings Account is required for membership and will be bundled in your application.
  • Membership fee is $5. All other deposit products require a $50 minimum deposit.
  • Joints and/or beneficiaries will be added to all products opened via your application, if you choose to add them.
  • Your SSN is required, as well as, a picture of your Driver’s License, U.S. Passport or State ID (if using a desktop, please take a photo of it prior to starting the application and be sure it’s accessible).
  • Funding your account(s) via this application is required
    • $200 Maximum Credit/Debit Cards
    • Over $200, transfer from another Financial Institution when prompted

Not a US Citizen? Please visit a BRANCH to establish membership.


By choosing a product below:

Interested in one of our Checking Account products below? Opening an account online has never been more simple!

Go Checking

Limited to one account per membership number.

  • Earn 3.00% APY*
  • Requires Direct Deposit of $750 per month
  • ATM Fee Rebates

*APY = Annual Percentage Yield. Learn more about our Go Checking here

Open Account!

ComplimenTREE Checking

  • Free ATM transactions*
  • Requires Direct Deposit
  • No minimum balance and no monthly maintenance fee!

*Learn more about our ComplimenTREE Checking here

Open Account!

SUN Checking

Available only to an employee of Mohegan Sun, the Mohegan Tribe, or a member of the Mohegan Tribe.

  • Earn 3.00% APY*
  • Requires Direct Deposit of $500 per month
  • ATM Fee Rebates

*Learn more about our SUN Checking here

Open Account!

Are You Between the Ages of 14-28?
Bright Future Checking

  • No Minimum Balance
  • ATM FEE Rebates
  • Bundled with a Bright Future Savings
  • Individuals 14-17 require a parent/guardian as a joint owner

Learn more about our Bright Future Checking here

Open Account!

Health Savings Account

Manage health care costs, combining a High Deductible Health Plan (HDPD) with a tax-advantaged medical savings account and great rate*.

  • No minimum to open.

*Learn More

Open Account!

Regular Savings

Establishes your membership

Open Account!           Learn More

Accumulator Money Market

The great rates and protections of a Money Market Account, yet more accessible!

Open Account!           Learn More

Jumbo Money Market

Earn even higher rates with easy access to your money!

Open Account!           Learn More

Bright Future Savings

Earn a higher yield for a “bright future.”

Member must be between the ages of 14-28

Open Account!           Learn More

Holiday Club

Start saving for the holiday season!

Open Account!           Learn More

Vacation Club

Start saving for that special trip!

Open Account!           Learn More

Existing Members

Opening another account has never been more simple:

  • Login to Online Banking
  • Select “Open New Account/CD”
    or “Apply for Loan”
  • Follow the Instructions
Login / Register