Mobile Banking & Deposits
CharterGo Mobile Banking
CharterWest accounts are at your fingertips with CharterGo Mobile Banking. It's secure, simple and convenient. Plus, it's free!
3 Easy Ways to Access:
Mobile Application
Download the app from the App Store or Google Play.
Text Messaging
Send text commands (such as BAL) to your bank from your SMS- enabled phone to inquire about basic account balance and transaction history information. Receive text message responses directly to your phone.
Alert Banking
Include text message alerts with your mobile banking service(s) to monitor your mobile banking accounts. Choose how and when you want to be notified of changes to account balances and personal information. (Must use with at least one other mobile banking service)
Mobile Banking via Text Messaging or Alert Banking
Login to your CharterNet Online Banking access.
Once inside, click Profile from the menu in the upper right corner.
From Profile, scroll down to Mobile Banking. Choose Enroll to start utilizing these services or Manage Devices to change your current services.
Message and data rates may apply. For help, text "HELP" to 96924. To cancel, text "STOP" to 96924 at any time. Message frequency depends on account settings. For assistance, please contact customer service at 800-872-5147.
You can also manage your CharterWest Visa Debit Cards
Turn the debit or credit card on and off-when the card is off, no purchases or withdrawals are approved except for previously scheduled recurring payments.
Enable controls to restrict card usage based on location, spend limit, merchant type, and transaction type.
Check transactions and account balances associated with cards enrolled in CardHub.
Transactions are enriched with recognizable merchant details for cardholders to seamlessly identify transactions.
View one-time payments made to a card kept on file in the merchant's database as well as automatic payments made from the card to merchants on a regular basis.
Get spend insight analytics to see how, what, and when transactions are occurring.
Display the digital card information-full card number and details, needed to perform transactions without using a physical card.
Activate a card, call designated phone numbers to report a card as lost or stolen, or set a PIN.
Manage travel plans to allow transactions in specific domestic and international destinations.
Establish alerts for each time the card is used based on specific desired alerts or when a transaction is attempted but declined.
Mobile Deposits
The Mobile Deposit feature on the FREE CharterGo Mobile Banking app lets you capture a picture of a check and deposit it anywhere at any time!
Depositing checks has never been easier.
How to make a Mobile Deposit
Step 1
Endorse the back of the check with the following items: the signature of the payee(s) named on the front of the check (two party checks must be properly endorsed by all parties), if a business include business name and representative's signature or you may utilize a business deposit stamp, AND the text "For Mobile Deposit Only CharterWest Bank."
Step 2
Login to your CharterGo Mobile Banking app. Select "Deposit" from the main menu.
Step 3
Select “Deposit a check.”
Step 4
Select the account you wish to deposit the check into.
Step 5
Enter the check amount. Ensure the amount you entered matches the amount written on the check.
Step 6
Take photos of the front and back of the check, against a solid dark background, without any objects. Flatten folded or crumpled checks before capturing any images. You will need to allow the app access to your camera. Ensure the entire check is visible within the four corner markers, in focus, and well lit. Keep your device flat and steady to hold the camera as square to the check as possible to avoid skewing of the captured image. When the images are clear and fully visible, select Use or you may Retake the images as needed.
Step 7
Once both images have been captured, choose Edit to make changes to your deposit or Make deposit to confirm the deposit.
Step 8
Next you receive confirmation of your deposit. You may choose to start a New deposit from here.
Important Information
You may view the status of your deposit by selecting "View mobile deposit history" from the "Deposit" menu. Statuses include Pending, Accepted, and Failed. Select the deposit you wish to view more details on, select the Check amount to view the images of the captured check.
We recommend marking the front of the item with "Mobile Deposit and {Date}". You should keep the original item in a secure place for at least 30 days after the mobile deposit posted to your account. After the 30 days, you should destroy the original item by shredding it or by any other permanent deletion manner that does not allow the original item to be accessed by an unauthorized person(s) and in a manner that the original item is no longer readable or capable of being reconstructed.
Mobile Deposit Limits: $2,000/day and $2,000/deposit
Daily Cut-Off: 4:00 pm Central Time on banking days
Frequently Asked Questions
What is Mobile Deposit?
Mobile Deposit allows you to deposit checks electronically through your mobile device. Paper checks are captured as an image with your mobile device's camera and electronically transmitted to the bank for review and deposit.
Who is eligible for Mobile Deposit?
All CharterNet Online Banking users are enrolled in Mobile Deposit. Mobile Deposit does require the CharterGo Mobile Banking application. User eligibility for Mobile Deposit may be revoked at the discretion of the bank.
What type of checks can be deposited?
You may deposit original items drawn on financial institutions in the Unites States and in US dollars such as personal checks, cashier's or official bank checks, certified checks, insurance checks, state or local government checks, US Treasury checks, and business/payroll checks.
Checks must be made payable to the account owner or joint owners. Third party checks are not accepted.
What checks cannot be deposited?
- Checks with any endorsement on the back other than that specified in these terms and conditions.
- Checks that have previously been submitted through this service, remote deposit capture service, or through a mobile/remote deposit capture service offered at any other financial institution.
- Checks that have previously been deposited or negotiated in any way via any method at CharterWest Bank or any other financial institution.
- Checks previously converted to a substitute check, as defined in Reg CC.
- Checks previously deposited and returned (For example, Non-sufficient Funds).
- Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited to.
- Checks containing an alteration, which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
- Cash, savings bonds, or non-negotiable items.
- Checks that have been post-dated, stale-dated (older than 6 months), or are incomplete.
- Checks drawn on a foreign financial institution or in a foreign currency.
- Third-party or second endorsed checks, counter checks, or traveler's checks.
- Checks with duplicate MICR code lines.
How do I endorse a check for mobile deposit?
You must restrictively endorse the back of the original eligible item with signatures of all payees, if a business include business name and representative signature or other industry accepted endorsement method (i.e. business deposit stamp), followed by the words "For Mobile Deposit Only CharterWest Bank".
How do I know if my deposit has been accepted?
You may view the status of mobile deposits by selecting Deposit history from the Deposit menu in the Mobile Banking app. Deposits will have a status of Pending, Accepted, or Failed. If a deposit is rejected we will attempt to contact you via phone or email.
When will the deposited funds be available?
In general, if a Mobile Deposit is received and accepted before 4:00 p.m. Central Time on a banking day, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next banking day.
Mobile Deposit checks are not subject to the funds availability requirements of Reg CC, such checks are classified as "not in-person deposits." Funds deposited using Mobile Deposit may be delayed or held at our discretion. You will be notified if we delay the ability to withdraw funds for any reason, under these circumstances funds will be made available no later than the 7th business day after the day of your deposit if not sooner.
Is there a fee for Mobile Deposit?
There is no fee for using the Mobile Banking service or Mobile Deposit at CharterWest Bank, however, all other fees associated with your accounts apply. Message and data rates may apply. Check with your specific mobile service carrier for more information on fees.