Checking

Bright Future Checking

• Enjoy the great benefits of our newest checking account* for ages 14 to 28!
• No minimum balance, ATM fee rebates, and our new “Grow My Change” savings feature!

OTHER FEATURES & BENEFITS INCLUDE:

• Use “Grow My Change” to round up your debit card transactions to the nearest whole dollar.
• Deposit the difference into your high-yield Bright Future Savings Account.
• Turn your small change into big savings!

*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 This offer can be withdrawn at any time.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.

Simply Checking

Our Simply Checking account requires no minimum balance to open and no monthly maintenance fees!

OTHER FEATURES & BENEFITS INCLUDE:

• First order of checks free
• 10 free check clearing /cash withdrawals per month – 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

Don’t Forget To Update Your Contact Info! If you’re a Charter Oak member who has recently changed your email address or phone number, or you’ve changed your mailing address, please stop by any of our branches or contact us at 860.446.8085 or 800.962.3237 with your new information.

Visa^® Debit/ATM Card

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:

• Call 1.800.757.9848 from the phone number associated with your account and you will be prompted to answer a few security questions.
• Once the questions are answered correctly, the system will ask for a 4-digit PIN. Once accepted, the card can be used immediately.

Please note: If your Debit Card has been locked due to too many attempts with the wrong PIN, your card will unlock at 6 pm 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.

Visa® Debit payment types:

• Credit – Sign for purchases
  To ensure your purchase is protected, tell the cashier you want to sign for your purchase. Or, if there’s a PIN pad, swipe your card, press “credit” and sign. There’s no need to enter your PIN. NOTE: For many purchases of $25 or less you may not be asked to sign the receipt or enter your PIN.
• Debit – use PIN for cash back
  If you want cash back (at certain merchants), simply tell the cashier how much or, if there’s a PIN pad, swipe your card, press “debit” and enter your PIN.