Checking Accounts
At Charter Oak Federal Credit Union, our checking accounts provide plenty of choices for our members. You can choose the checking program that best fits your needs, then choose the most convenient way to use your account.
All of our checking accounts offer a Visa® Check/ATM Card, free home banking, free check imaging, telephone access and the security of Federal Deposit Insurance.
A Regulatory Change Affects Your
Everyday Debit Card Transactions
If you use your debit card for everyday purchases
at grocery stores, gas stations, doctors’ offices
and so on, as well as for transactions at the ATM,
you need to know about a regulatory change that
will limit your safeguards in case of emergency.
Charter Gold Checking
Features & Benefits:
- Free personalized checks with unlimited check writing
- Free notary service, money orders, cashier's checks, individual traveler's checks and five foreign ATM transactions per month*
- Free withdrawals at Charter Oak ATMs and 5 free foreign ATM transactions per month when using your Charter Oak Visa® Check/ATM card*
- Rental fee discount of 50% on small safe deposit boxes (Waterford & Dayville only - subject to availability)
- Overdraft protection available
- A low monthly fee
- Free Online Bill Payment with direct deposit, e-Statement or a $1,000 average daily balance
- Free Home Banking with check imaging
Click for more Charter Gold Savers Club benefit information.
ComplimenTREE Checking
Features & Benefits For The Member With Direct Deposit:
- No minimum balance
- No monthly maintenance fee
- All ATM transactions are free*
- Free Home Banking with check imaging and Online Bill Payment
- Free checks
Simply Checking
Features & Benefits:
- No minimum balance to open
- No monthly maintenance fee
- First 50 checks free
- 10 free check clearing /cash withdrawals per month
- Free ATM withdrawals at Charter Oak ATMs
- Free Home Banking with check imaging
Charter Classic
Features & Benefits:
- Low minimum balance to earn dividends
- Unlimited check writing
- First 50 checks free
- Convenient access to funds and ATMs with Visa® Check/ATM card
- Expanded account access through our Phone Center, 24-hour Info-Phone and Home Banking
- Free ATM withdrawals at Charter Oak ATMs
Premium Money Market
Above market rates and the added convenience of daily liquidity with check writing.
Features & Benefits:
- Earn higher interest without tying up your funds
- Convenient access to funds by check, over-the-counter, through the Phone Center or via Home Banking
- Tiered rate structure
To learn more about our checking accounts please call Member Services at
860-446-8085 or 800-962-3237, stop by any Charter Oak branch.
*Excludes surcharges imposed by the owner of foreign ATMs.
Checking Accounts Brochure
Click on icon to download Charter Oak Federal Credit Union's brochure.
Important Information About Funds Availability
