Banking FAQs

Are my deposit accounts FDIC insured?

Yes! If you and your family have $250,000 or less in all of your deposit accounts at the same insured bank or savings association, you do not need to worry about your insurance coverage — your deposits are fully insured. A depositor can have more than $250,000 at one insured bank or savings association and still be fully insured provided the accounts meet certain requirements. In addition, federal law provides for insurance coverage of up to $250,000 for certain retirement accounts. For more information regarding insurance of accounts visit the FDIC website or contact us.

How do I set up Direct Deposit of my payroll check?

After your checking application has been approved, you will receive the bank routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

How do I set up Direct Deposit of my Social Security check?

After your checking application has been approved, you will receive the bank routing and transit number and your account number. You may call the Social Security Administration at 1-800-772-1213 and provide your Social Security Number and account information to establish direct deposit right over the phone.

Can I get information about my account by phone?

Yes! Account information is available with our Customer Service Representatives during business hours at any of our locations or ask about our FirstLine for automated account information 24 hours a day.

What products can I apply for online?

Check out our Personal Banking section to see which accounts you can apply for online.

Can businesses have accounts at CharterBank?

Yes! We offer business deposit products and loans. To see what we currently offer, check our Business Banking section. However, we currently offer only personal loan applications online. If you would like a business loan application, or additional information on the business products and services we offer, simply contact us.

Does CharterBank offer IRAs online?

Currently, we do not offer IRAs online; however, we continually update our Personal Banking section so check back with us soon! Please contact us for our current IRA products and rates.

Is interest paid on CharterBank's checking accounts?

Yes! We offer two checking accounts that pay you interest. Check out our Personal Banking section to see which account is best for you.

Can I open an account if I don't live in the Alabama, Georgia or the Florida Panhandle?

At this time, we only accepts applications from persons residing within the Florida Panhandle, Alabama and Georgia with valid US tax identification numbers. If you have questions, contact us. We'd love to hear from you.

Can I do all my banking with CharterBank?

Yes! Thanks to the convenience of Mobile BankingDirect Deposits and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Can I look at all my transactions at any time?

Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

How frequently is my information updated?

Your account information is updated every business day with new transactions that posted to your account the previous day.

Are wire transfers possible to and from my CharterBank checking account?

Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

Can I reorder checks online?

Yes! Personal checks may be reordered online, and the status of recent check orders may also be accessed. We've attached a link to Clark American, our check vendor, in our Personal Banking section or ordering your checks here.

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