What is Charter Bank Online Banking?
Online 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 Online Banking to perform any of the following services designated by you in your Online 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 up to 12 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
- Manage - 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 Online Banking?
Charter Bank Online Banking is free!
Do I have to register to use Online Banking?
Yes, a one-time application is required to sign up for Online Banking.
There are a variety of ways you can enroll in Charter Bankís Online Banking. Options for signing up include enrolling online via our online enrollment form, printing out a form to bring in or mail to the bank, or stopping in to visit with one of our New Account Representatives. Visit our Enrollment Form for further details.
What happens if I open an account after I start using Online Banking?
You will need to ask your New Accounts Representative to have your account added.
How to Use Online Banking
What happens if I donít 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.
I am having difficulty logging into my Charter Bank Online 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 versions older than 9.0 or XP need to complete one of the following two options:
- 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 & Downloads
If you have installed the latest Windows 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.
Online Banking transactions can be downloaded into your personal Quicken or Quickbooks software programs. Simply choose the download format you prefer once you are in your Online Banking account.
How to Establish and Change Your Account
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 at 1-800-471-4510 or 715-832-4254 during regular business hours.
Details on How We Protect You
How secure is Charter Bank Online 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 Online 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. Microsoft Explorer 9.0 (or higher) supports this type of encryption.
Who can I pay?
You can pay virtually any individual or company anywhere in the United States and Puerto Rico. If your dollar amount exceeds $9,999.99, 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.
How are online payments delivered?
Payments are sent one of two ways - electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.
Is Online Bill Pay secure?
Paying bills online is one of the safest ways to pay your bills. Online Bill Pay helps guard against identity theft from lost or stolen checkbooks, bills, and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.
What support phone number do I call for assistance with Bill Pay?
For assistance with Bill Pay, please call 866-851-4729 M-F 6:30am - 1:00am. For assistance wtih your Online Banking (resetting password, etc), please try the Reset Password process on our home page (if you have entered your email address into our system previously) or give us a call here at the bank at 715-832-4254 M-F 9:00am - 5:00 pm, Saturday: 9:00am - Noon.
How long does it take before my payment is received?
Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electroncially or via paper check. When you enter your payment information the system will provide you with an estimated process date and delivery date so you can ensure your payment will be made on time.
How can I sign up for Online Bill Pay?
You can apply anytime by completing an application. Call us at 715-832-4254, or visit us at 1010 West Clairemont Avenue. Please note that you will need to be an Online Banking customer to be able to access and use Bill Pay.
Are there fees for using Online Bill Payment?
Our online Bill Payment Service is FREE for Charter Bank consumer and business checking account customers!! However, if you do NOT use the service for a period of three months, your account will be canceled.
How do I know if a payee is electronic or check?
Under the Payee name in the listing, there will be a notation if the payment for that Payee will be sent via electronic payment or via check.
How do I know if my computer is compatible with Bill Pay?
The Bill Pay site requires specific browser specifications. To check your compatibility with the site, pleae visit the compatibility link. The following browsers are compatible with the Bill Pay site:
- Internet Explorer 7 and above
- Firefox 7 and above
- Safari 5
- Google Chrome 16 and above
If your computer is not compatible with the Bill Pay website or you are using a browser not listed, please update your browser to ensure full compatibility with the website.
What sort of confirmation will I receive?
Confirmation numbers are assigned to each bill payment at the time you submit your request. You may record the confirmation number for future reference. Confirmation numbers help us resolve any questions and expedite any request you may about your Bill Pay transactions.
What is the cut-off time to submit a payment?
You may enter a new payment at any time. Bill Payment processing occurs at 7:00am Central Standard Time (CST) and again at 2:00pm Central Standard Time (CST), Monday through Friday, excluding Federal Holidays.
What if I have insufficient funds in my account while a bill is trying to process?
Our Bill Pay system will automatically try to submit payment for two days (four total attempts). If after the fourth attempt the funds are still not available then the payment will be cancelled.
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.
What types of email notifications will I receive?
You will only receive emails from the Bill Pay site for specific circumstances. You may receive emails about payments not being processed due to insufficient funds, an invalid account number, or if a payee previously paid via check can now be paid electronically. You will also be notified if you have not logged in to your account for a period of time as a reminder to keep your account active. Please note that emails will come from the domain of @billpaysite.com and should be marked as "Not Spam" to ensure proper communication with you for Bill Pay.
How do I sign up for eStatements?
You can sign up for eStatements two ways. Simply visit with one of our Customer Service Representatives to get signed up during your next visit to the bank. The other way is if you are already an Online Banking user, log in to your Online Banking account and choose the eStatements tab to begin the sign up process. Visit our eStatements
page for more information.
Do I need to be an Online Banking user to receive eStatements?
No, you do not need to be an Online Banking user to receive eStatements. All we need from you in order to receive electronic statements is a current email address.
Are eStatements available for Business and Personal accounts?
Yes, both Business customers and personal customers can both sign up for eStatements. Additionally, you can sign up more than one person to receive eStatements.
When will I receive my eStatements each month?
eStatements are delivered to your E-Mail Inbox on the same day the paper statements would normally be mailed out. By signing up for this service, you will usually receive your electronic statement prior to when you were used to receiving your paper statement.
Are eStatements secure?
Yes, eStatements are delivered in a secure manner. You will receive an email notification that each statement is ready to be viewed, and then be asked to enter your logon ID and password to access your statement.
Once I sign up for eStatements, will I still receive a paper statement?
No, you will no longer receive a paper statement once you sign up for eStatements. The functionality of eStatements will allow you to view, print, and save your statements from your personal computer.
What accounts can I set up on eStatements?
You can sign up almost any account on eStatements. Currently you can sign up any checking account, savings account, Money Market, CD or loan notice. Visit our eStatements
page for more information.
Is there a fee for eStatements?
No, there is not a charge to receive eStatements for any Charter Bank account.
How do I sign up for Bank-To-Bank transfers?
Simply stop in and see one of our Customer Service Representatives. There is no limit on the number of financial institutions or accounts you can add to your list.
Is there a fee for Bank-to-Bank transfers?
There is a fee of $5 for each transfer made from a Charter Bank account to another financial institution. If you make a transfer from another financial institution to Charter Bank using the Bank-to-Bank service then you will not incur the $5 fee. Each account you are transferring to and from must be set up under the Bank-to-Bank service.
Can transfers be made for Business and Personal accounts?
Bank-to-Bank transfers are for Charter Bank personal accounts. If you have a business account you may sign up for our Cash Management service by visiting with a Customer Service Representative.
Can I transfer to and from my other financial institution accounts?
Yes, with this service you have the ability to transfer to and from each account you set up with Bank-to-Bank service (even those from other financial institutions). If you want to make a transfer from another financial institution to Charter Bank from an account you have not set up with Bank-to-Bank, you will need to check with the other financial institution to be sure they offer a similar transfer service.
What are the maximum limits for transfers?
Each Online Banking ID is allowed three incoming transfers per day not to exceed a total of $5,000 and three outgoing transfers per day not to exceed a total of $7,500.
When will my transfer occur after I submit it online?
Funds requested for transfer will be debited/credited to your Charter bank account the business day you initiate the transfer, provided you have met the bank cutoff time for submitting Bank-to-Bank transfers. Future dated or recurring transfers will occur the business day following the scheduled date of transfer. Charter Bank cutoff time for initiated transfers is 2:30pm CST.
What do I need to begin setting up a financial institution?
Please have the routing number and account number from the other financial institution ready before you begin the set up process. After you enter the information, an automatic deposit will be made in the account for the other financial institution. Once you confirm that deposit amount, log back in to Online Banking, Bank-to-Bank and enter the amount in the Verification box. This step will ensure that the correct account information was used for the setup process and will finalize the setup for this account.