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Welcome to Charter Bank’s Internet Banking! This page serves as your guide to frequently asked questions about our easy and secure Internet Banking service. If you have additional questions please call Charter Bank at 715.832.4254 or toll free at 800.471.4510.
Detailed information of how Charter Bank Internet Banking works and what it can do for you.
How to access Charter Bank Internet Banking.
How to use Charter Bank Internet Banking.
How to establish and change your ID and Password.
Details on how we protect your Charter Banking Internet Banking account information.
How to use Charter Bank Bill Pay.
What is Charter Bank Internet Banking?
Internet Banking is a real-time online system that allows our customers a secure and convenient way to access their Charter Bank accounts via the Internet.
You may use Charter Bank Internet Banking to perform any of the following services designated by you in the Application or subsequently added by you as provided below.
- Access account and loan balance information
- Access detailed history on your accounts including checks cleared, deposits, ATM and Debit Card transactions
- Transfer funds between accounts
- View 6 months of account statements
- View stop payments
- View current deposit interest rates
- Access copies of your checks
- Contact the bank via e-mail
- *Download account information to a money management program on your computer
- Management - personalize your information
- Change your PIN
- Change your Personal Alias (ID)
- Reset your login count
- Change pseudo account names
- Display options
Is there a fee for Internet Banking?
Charter Bank Internet Banking is free!
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Do I have to register to use Internet Banking?
Yes, a one-time application is required to sign up for Online Banking. You may print, fill out, and sign the application on this website and bring it to our bank location. Or, stop in the bank and talk to a New Accounts Representative. Once your application is received by the bank, you should receive your online banking ID and PIN by mail within 2-3 business days.
What happens if I open an account after I start using Internet Banking?
You will need to ask your New Accounts Representative to have your account added.
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What happens if I open an account after I start using Internet Banking?
You will need to ask your New Accounts Representative to have your account added.
What happens if I don’t log off the system?
Charter Bank Internet Banking has a 10-minute time out feature. If the system has been inactive for over 10 minutes, the user will be required to re-enter their ID and PIN.
Why does it say 'Your Account is Currently Locked' when I try to log into Internet Banking?
As a security measure, accounts will lock for several reasons, such as inactivity or the incorrect PIN being entered three times in a row. If your account is locked, please call Charter Bank at 715.832.4254 or toll free at 1.800.471.4510 during regular business hours. Upon proper identification, we will be happy to unlock the account and reset the PIN. This is only for the security of our customers. We apologize for any inconvenience.
I am having difficulty logging into my Charter Bank Internet Banking account. What do I do?
There may be several reasons you are experiencing difficulty logging into your Internet Banking session. If you complete the ID and PIN fields and select submit and your computer does not seem to do anything, the problem may be your browser. We have found that users with Internet Explorer version 6.0 or XP need to complete one of the following two options:
- At the bottom right hand corner of your screen there should be a little red circle with a minus sign inside. Double click on this icon and a 'Privacy Report' window should appear. On the Privacy Report, highlight the site address in the text area by clicking once on it, then click 'Summary.' When the Privacy Policy window pops up, check the box at the bottom that states 'Always allow this site to use cookies.' Click OK and close out of the privacy report.
- If this does not seem to clear up the problem, you may want to try this solution. On the top Internet Explorer tool bar, choose 'Tools,' then 'Internet Options.' On the Internet Options window, click on the tab labeled 'Privacy.' On the Privacy window, there will be a section titled Settings, and there will be a slider on the left hand side. Move the slider all the way down, until it says 'Accept All Cookies.' Click OK and close out.
Are there limits on the number of transfers I can make?
Yes, depending on the type of account you have. Some accounts, such as checking accounts, have no limits on the number of transfers a client can make. However, savings accounts, by federal regulation, are allowed no more than six electronic transfers per month.
Microsoft Updates
If you have installed the latest Windows XP Service Pack 2, you may need to add https://www.netteller.com and http://www.charterbankec.com to your "trusted sites" within the Internet Options of Internet Explorer.
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What happens if I forget my PIN?
You are allowed 3 attempts to enter the correct PIN before your account will be locked. If you cannot remember your PIN and/or you are locked out of the system, please contact the bank or call 1-800-471.4510 during regular business hours.
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How secure is Charter Bank Internet Banking?
State-of-the-art technology is used to keep your information secure. All sensitive and personal information is encrypted, and access requires passwords that only you know. In addition, your account numbers, Social Security numbers, and Tax ID numbers are never displayed on the Charter Bank Internet Banking system. However, if you feel your information has been jeopardized in any way, please contact the bank immediately.
What kind of browser do I need?
You will need a connection to the Internet and a Web Browser that supports 128-bit SSL encryption. Netscape Navigator 4.5 (or higher) or Microsoft Explorer 5.0 (or higher) both support this type of encryption.
Who can I pay?
You can pay any individual or company anywhere in the United States. If your dollar amount exceeds $9999.99, you will have to set it up as two payments. The payments cannot be for the same exact amount or it will look like a duplicate payment and the second payment will be rejected.
Will I still receive my monthly bills through the mail?
Yes. You will continue to receive your regular billing statements from your vendor as usual.
Will I still receive my monthly bank statement?
Yes. In addition, when Online Bill Payment Service is used, your bank statements will give you detail about the payments you have made.
What type of account do I need?
You can designate one Charter Bank checking account for your Online Bill Payment Service access.
What support phone number do I call for assistance with unlocking my account, ordering a stop payment, check copy, payment scheduling, or any other related issues/questions?
• Call us at 715.832.4254
• Contact us at 1010 West Clairemont Avenue, Eau Claire, WI 54701
Where can I read the agreement terms & disclosures for this service?
• You can visit our website and view the information under Online Banking, Disclosures
• Email us at info@charterbankec.com
• Call us at 715.832.4254
• Contact us at 1010 West Clairemont Avenue, Eau Claire, WI 54701
How can I apply for Online Bill Payment service?
You can apply anytime by completing an application. Call or visit us at 1010 West Clairemont Avenue.
How much does Online Bill Payment Service cost, & does it matter if I use it or not?
Our online Bill Payment Service is FREE for Charter Bank consumer checking account customers!! However, if you do NOT use the service for a period of three months, your account will be canceled and a reactivation fee will be assessed. Business customers monthly fee is $7.95 per month. The first 10 payments are free; payments numbering over 10 are 30 cents per payment.
How do I know if a payee is electronic or check?
Once you have set up the payee, look at the “PAYEES” screen. A column titled “Type” will indicate if the payee accepts electronic or check payments.
Can I edit payee addresses?
No. You have to set the payee up again with the correct address. The old payee record must then be deleted.
Confirmation numbers – are they important?
Yes. Confirmation numbers are assigned to each bill payment at the time you submit your request. You may record the confirmation number for future reference. Bill Pay confirmation numbers for scheduled payments can be found in the menu option under “Main” and select View next to the payment. Confirmation numbers help us resolve any questions and expedite any request you may about your Bill Pay transactions.
How late in the day can I enter, edit, or delete a payment?
You may enter a new payment at any time. Bill Payment processing occurs at 2:00 AM Central Standard Time (CST) and again at 12:00 noon Central Standard Time (CST), Monday through Friday, excluding Federal Holidays.
What happens if a scheduled payment falls over a weekend or holiday?
If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.
Will the memo field I fill out when setting up a payment be passed on to the payee?
Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.
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