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 3.00% 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 Contact 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).

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READ OUR FUNDS AVAILABILITY POLICY
Download the Checking Reconciliation Form

GO Checking

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!

Other Features & Benefits include:
  • ATM fee rebates
  • No monthly maintenance fee
  • First order of checks free
  • Free Online Banking with check images
  • Bill Pay with no monthly fee

GO Checking disclosure and rate information: *(APY = Annual Percentage Yield) 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, and you must complete the eDocuments test drive in Online Banking to demonstrate your ability to access information in electronic format. 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. APY effective November 1, 2020. This offer can be withdrawn at any time. Limit of one GO Checking Account per qualified member number.

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!

OTHER FEATURES & BENEFITS INCLUDE:
  • All ATM transactions are free**
  • Free Online Banking with check images
  • Free checks

**Excludes surcharge imposed by the owner of foreign ATMs.

SafeGuard eChecking

Our SafeGuard eChecking account offers the right flexibility and features for your busy life!

OTHER FEATURES & BENEFITS INCLUDE:
  • Safely spend only what you have in your account
  • eBanking conveniences
  • No overdraft fees

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.

DEBIT CARD FREQUENTLY ASKED QUESTIONS

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.

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!

ENJOY THESE GREAT OFFERS

Savings Accounts

EARN 1.50% APY* ON OUR HSA ACCOUNT

*APY = Annual Percentage Yield

Auto Loans

AUTO LOAN RATES AS LOW AS 1.99% APR**

**APR = Annual Percentage Rate

Checking Accounts

EARN 3.00% APY* ON GO CHECKING

*APY = Annual Percentage Yield

ACCELERATOR MORTGAGE AS LOW AS 2.79%/2.85% APR**

**APR = Annual Percentage Rate

Rates effective April 26, 2021