Bank Services: Deposit Services

Whether your deposit needs are for an efficient way to pay your bills, or for a high rate of return on your money, we strive to offer you just the right product.

Our account offerings include:

CharterFree Checking
NEVER a service charge. Unlimited check writing. Free monthly statements. Images of your checks, if you need them, are available from the bank.

CharterChek Checking
No service charge on accounts with $2,000 average collected balance; modest charges on accounts with lower balances. Unlimited check writing - no per-check charge. We include images of your checks with your monthly statements.

CharterNow Checking
Interest-paying NOW account with interest paid on a tiered basis. Higher rates paid on higher balances. No service charge on accounts maintaining a minimum $2,000 average collected balance.

CharterVest
Pays higher interest rates than CharterNow, but has limited checkwriting privileges. A tiered interest rate structure pays higher rates on larger balances, retroactive to the first dollar. This account provides money market interest rates, while still providing you daily access to your money.

IRA Accounts
Save for your retirement in tax-deferred IRA accounts. Our IRA Specialists can advise you on ways to minimize your taxes and maximize your retirement income.

Business Accounts
If your business needs high-volume processing, we can help you manage your account. Our Service Charge Analysis gives you credit for your average balance, while providing competitive rates on processing. We can tailor our services to fit your needs.

Savings Accounts
For the savers in your family, we offer traditional savings accounts, paying competitive interest rates.

Certificates of Deposit (CDs)
We offer your competitive interest rates on CDs with terms from 90 days to 48 months. Check for our specials - we offer some of the best rates in the area.

You can always access the information on these accounts by CharterFone and CharterNet.

Use your ATM or CharterWest VISA Check Card to access your account with us.

Supercharge your checking account by adding CharterClub services. For a low monthly fee, you can get great benefits like free checks, discounts on travel and prescriptions, extended warranty on your purchases and more. Check with us for details.

Your deposits are insured by the FDIC up to $100,000. Check with us about ways to keep deposits above that amount protected. On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2009.