Rates Effective October 30th, 2024
GO Checking
Earn 3.00% APY* on GO Checking¹ account balances up to $10,000!
Member benefits:
- ATM fee 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
Enjoy the great benefits of our checking account² for ages 14 to 28! Turn your small change into big savings!
Member benefits:
- No minimum balance
- ATM fee rebates
- Use “Grow My Change” to round up your debit card transactions to the nearest whole dollar
ComplimenTREE Checking
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!
Member benefits:
- All ATM transactions are free³, excluding surcharge imposed by the owner of foreign ATMs
- Free Online Banking with check images
- Free checks
- Direct Deposit is required to maintain account
Simply Checking
Our Simply Checking account requires no minimum balance to open and no monthly maintenance fees!
Member benefits:
- First order of 40 checks free
- 10 free check clearing /cash withdrawals per month ($0.50 per check/withdrawal after 10) – excludes debit card and ATM card transactions
- Free ATM withdrawals at Charter Oak ATMs
- Free Online Banking with check images
- Bill Pay with no monthly fee
Contact us to open today.
SafeGuard eChecking
Our SafeGuard eChecking4 account offers the right flexibility and features for your busy life!
Member benefits:
- Safely spend only what you have in your account
- eBanking conveniences. Online Banking and e-Statement required.
- Free ATM withdrawals at Charter Oak ATMs
- No overdraft fees
- No Checks, Mobile Deposit or Shared Branching
- Only one SafeGuard eChecking per member
- Monthly service fee of $4.00
Contact us to open today.
*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.