Frequently Asked Questions
Account Information
Online Banking & Bill Pay
Rewards
Account Information
How do I open an account?
For your convenience, you can apply for many Charter One personal and business products right online -- just select the appropriate link from the top of this page, and find the product you’re looking for. You’ll find information about applying online on the individual product page. If you prefer, you can also open an account by calling the Charter One PhoneBank at 1-888-910-4100 or by visiting any Charter One branch.
How do I transfer funds?
It’s easy to transfer funds yourself by phone: merely call 1-888-910-4100 You can also transfer funds at ATMs or online, using Online Banking.
What are your branch hours?
Our online Branch/ATM Locator will provide you with the hours of operation, address information, and the phone number of the Charter One branches closest to you.
How do I update my name and address in your system?
Simply call us at 1-888-910-4100, visit any Charter One branch, or make a request through the Online Banking message center.
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Online Banking & Bill Pay
How can I sign up?
If you have an ATM/debit card, you can sign up online right now. You'll be asked to supply your card number and PIN, along with a Charter One account number. If you do not have an ATM or debit card call us toll free at 1-877-981-3733 (for business customers, 1-888-229-8211) to sign up.
When can I start using Online Banking?
You can begin using Online Banking immediately after signing up!
What kind of transactions can I perform using Online Banking?
You can review account history and current transactions, transfer funds between accounts, place stop payments, request copies of statements, send customer service requests via secured Email, pay bills, view images of cleared checks, access your checking and savings account statements online, and much more.
Retail online banking users have access to deposit accounts, loans, and lines of credit. Business users have access to deposit accounts and overdraft lines of credit. Business customers may request that other business or personal accounts on which they have an eligible account ownership be linked to their online profile.
What are automatic payments?
Automatic payments provide a means for automatically scheduling payments in Pay Bills based on the options you select. You can set up two different types of automatic payments.
- Automatic Payments for Electronic Bills - If you receive electronic bills, some billers let you set up options for paying them automatically. You can decide whether to always pay the amount due or to set a limit on the amount for automatically paying the bill. You can also decide whether to make the payment on the due date or on the earliest date available after you receive the bill.
- Automatic Payment Schedules - You can set up an automatic payment schedule to pay bills of a set amount at regular intervals. For example, you can schedule a payment at the first of each month to pay your mortgage or rent. This type of automatic payment is always available to you, regardless of whether you receive electronic bills from the biller or whether the biller lets you pay your electronic bills automatically.
Who can I add as an online payee?
You can pay almost anyone in the United States: national bank card companies, mortgage or auto loan companies, department stores, your health club, the paperboy. Any company or individual to which you could send a check for payment is eligible for payment through Online Bill Payment.
Please note that individuals or businesses residing outside the United States are not eligible for bill payment. In addition, bill payments for tax payments or court-ordered payments are prohibited.
How long does it take to set up a new payee in the bill payment system?
Once you are signed up for Online Banking, you can set up a payee at any time. Setting up a new payee takes only a few clicks and payments to the new payee can be made immediately.
How safe is Online Banking? What systems are in place to ensure security?
All account information entered and displayed online is maintained on a secured database encrypted using Secure Socket Layer (SSL) technology. We also protect information stored in our database by hardened connections called Firewalls. Only those devices authorized to communicate with the database can make a connection to the database. Additionally we offer Safe With Charter One to ensure security.
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Rewards
How do I earn Everyday Points™?
- 1 point per $1 for debit card transactions when you sign the receipt or press "credit".
- 1 point per $2 for debit card transactions when using your PIN.
- Up to 3 points per $1 for personal credit card transactions. Learn more
- 2 points per $1 for business credit card transactions.
- Earn bonus points after your first use of the Credit Card.
- 20 points for each online bill payment made via our Online Banking service.
- Up to 300 points per month for maintaining bank accounts at Charter One. Learn more.
What can I do with my Everyday Points?
You can redeem your points for name brand merchandise, airline tickets, gift cards for your favorite restaurants and retailers, deposits into bank products such as savings or money market account, and more. Check out our Everyday Points online catalog for all available rewards.
How do I redeem Everyday Points?
You can redeem Everyday Points accumulated in your account by registering and logging on or by calling 1-888-333-7834.
What is Green$ense?
Green$ense is simple. And, it's free. With Green$ense, we'll pay you 10 cents every time you pay without paper - like when you use your debit card, pay a bill online, or have an automatic payment charged to your checking account or debit card. You can earn up to $120 a year!
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