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Charter Bank

Commercial Checking Accounts

Commercial Checking


  • Service Charge based on analysis
  • $100 minimum balance to open
  • Minimum to avoid service charge fee is based on analysis
  • Monthly service charge is based on analysis
  • Per items fees are based on analysis

Commercial N.O.W.


  • Interest bearing account offered to proprietorships and non-profits only
  • $100 minimum balance to open
  • Minimum to avoid service charge fee is based on analysis
  • Monthly service charge is based on analysis
  • Per items fees are based on analysis
  • Accrued interest is forfeited if account is closed before the end of the statement cycle

Your ability to withdraw funds


Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our cut-off time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cut-off time, or on a day we are not open, we will consider the deposit was made on the next business day we are open.

In some cases, we will not make all of the funds you deposit by check available to you on the first business day after the day of your deposit, funds may not be available until the second business day after the day of your deposit. Other conditions may apply. Please ask one of our employees for a complete Funds Availability Policy.