Charter National Bank

General

What is Charter Bank Online Banking?

Charter Bank Online Banking is a secure, convenient way to access your Charter Bank accounts via the Internet, from your home or office computer. You will have access to:

View account balances and details
View copies of your cancelled checks
Download your transactions into the latest versions of Quicken®, QuickBooks and Microsoft Money®
Transfer funds between checking and savings accounts
Place a stop payment on a check
Send us secure messages
Apply for personal deposit, line, and loan accounts, and much more!

Are there any fees for using Charter Bank Online Banking?

Charter Bank Online Banking offers access to your account information free of charge! If you choose to use services which have fees associated, such as stop payments, the applicable service charge will be assessed. Normal telephone and Internet access charges may also apply.

Why does my User ID automatically display once I type in the first character of the ID?

Internet Explorer defaults to a setting called “AutoComplete” that provides an automatic display or completion of a User ID and password on a web forms (such as the log-in page for Charter Bank Online Banking). This setting also “remembers” web addresses that you have previously visited. Perhaps you have noticed this when typing in the first few characters of a URL.

Although this is a convenience, we suggest that you disable this setting to ensure that no one other than you has access to your online information. By disabling this setting, you will be required to enter your User ID and password each time you log in to any online site. To disable this feature:

With Internet Explorer open, click on “Tools” from menu bar at the top of the page.
From the drop down menu, click on “Internet Options”
“Internet Options” will appear in a separate window, click on the tab titled “Content”
Under the “Content” tab, in the section titled “Personal Information” click on the "AutoComplete" button and you will see your current “Auto Complete” settings for: Web Addresses, Forms, and User Names and Passwords on Forms”.
Disable or enable various settings by checking or unchecking the corresponding boxes. You should then click on “Clear Forms” and “Clear Passwords” to ensure any previously stored information is deleted.
Save your new settings by clicking the “OK” button at the bottom of the window.

How do I change my password?

Once you are signed in to Charter Bank Online Banking, you may change your password “My Profile, located at the top right hand corner of the screen. Click the "Change Password" menu option at the left of the screen, verify your PassMark image and phrase and then enter your current and new passwords. You’ll need to enter this new password a second time for verification, and then click "Submit." Please wait five minutes before signing in again with this new password. If you have forgotten your Password and can't sign in, please read the next section, "What if I forgot my Password?"

What if I forgot my Password?

To generate a temporary Password, enter your User ID and click “Validate”. On the next screen, verify your PassMark image and phrase and click on the Forgot your password? link (located directly below the Login button) and follow the instructions. Be prepared to answer one of your PassMark challenge questions. A temporary Password will be generated. You will sign in to Charter Bank Online Banking using this temporary Password, and then be prompted to create a new Password.

If you do not have this information you will need to contact Charter Bank at 847-882-1000.

What is considered a business day?

Business days are Monday through Friday, 8:00am - 5:00pm, CT, excluding bank holidays. Requests received through Charter Bank Online Banking after business hours will be handled on the next business day.

What accounts can I access through Charter Bank Online Banking?

With Charter Bank Online Banking, you may view information about your personal business checking, money market, savings, certificate of deposit, IRA certificate of deposit, lines of credit, and installment loan accounts. You can access a detailed transaction history on your checking, money market, and savings accounts and view an account profile of installment loan and line of credit accounts.

How current is the information listed on Charter Bank Online Banking?

The information you will see in Charter Bank Online Banking is current as of the previous night's processing, plus any electronic transactions that have occurred during the day. Processing occurs nightly, Monday through Friday.

What equipment and software do I need to use Charter Bank Online Banking?

You will need an Internet connection with a browser. Currently supported browsers are Internet Explorer 6.0 or higher and Netscape 7.2, with 128-bit encryption.
Other system requirements are:

	IBM Compatible	Macintosh Compatible
Operating Systems	Windows NT or 2000	MacOS 8.5
Modem	14.4 minimum speed	14.4 minimum speed
Processor	Pentium	Power Mac
Hard Disk Space	20 megabytes	20 megabytes
RAM	16 megabytes	16 megabytes

Can both signers on an account use Charter Bank Online Banking?

Yes! All authorized signers on an account may access Charter Bank Online Banking. All signers must complete the simple enrollment process, and possess their own User ID and password.

Can I use Charter Bank Online Banking overseas?

Since security is our highest priority, we require the use of a browser that has 128-bit encryption. You should be aware that The U.S. Department of Commerce has certain license requirements for taking software out of the country. Your 128-bit encrypted browser may be subject to those requirements.

What is Bank by Phone?

Charter Bank’s Bank by Phone is an automated telephone banking service that gives you access to your Charter Bank accounts from anywhere in the continental United States. You can use any touch-tone telephone to perform a wide range of routine account activities, from obtaining an account balance to checking the status of deposits. You can stop payments on a check and transfer funds! To use Charter Bank’s Bank by Phone, call 630-837-5000.

Will the transactions that I conduct through online banking update telephone banking and my ATM records too?

Charter Bank Online Banking, Charter Bank’s Bank by Phone, and the Automated Teller Machines are integrated systems. When you initiate transactions, such as transfers, the activity is immediately reflected in all systems.

Who do I call if I have questions about Charter Bank Online Banking or Bank by Phone?

For assistance with Charter Bank Online Banking or Bank by Phone call us during normal hours at 847-882-1000.

What is my bank routing number (ABA Routing Number)?

The ABA Routing Numbers for Charter Bank accounts is as follows: 071924924

Enrollment

How do I enroll in Charter Bank Online Banking?

To enroll in Charter Bank Online Banking, you must have established a personal or business account with Charter Bank. If you have an existing account, click on the link to enroll online.

Safety

Is Charter Bank Online Banking secure?

The security of your financial information is of utmost importance to us. In order to safeguard the information available in Charter Bank Online Banking, we have taken several precautions to ensure your safety:

We require strong encryption. Encryption is the method of "scrambling" information to protect its transmission over the Internet. You must use a browser that contains 128-bit encryption.
You choose your password. It can be any combination of letters and numbers between 4-16 characters. You must enter your password every time you want to access your account information. It should be kept completely confidential, known only to you.
We use Advanced Authentication, incorporating a secret image, phrase and challenge questions, as well as computer authentication.
We have established firewalls. To build a barrier between an internal network and the Internet, a firewall is installed. The firewall becomes the only way anyone can access the network from outside. Because everything entering the network has to pass through the firewall, it controls all traffic between the network and everything outside it. Therefore, unauthorized users cannot access your account information.
We have a session time-out feature. If you remain inactive within your Charter Bank Online Banking session for 15 minutes, the system will automatically require your User ID and password to be entered before allowing any new transactions.

How do I get 128-bit encryption?

To obtain a 128-bit encryption browser, click here or here. You will be directed to the download information page.

What are cookies? How are they used within Charter Bank Online Banking?

A Cookie is a small piece of information that an Internet site sends to your browser to hold onto until it is time to read it. You must have your cookies enabled to access Charter Bank Online Banking. Charter Bank Online Banking uses cookies to store only the user profiles you create to connect to our online banking service. The cookies inside the secure environment keep track of your session data. It basically tells our system that you've already logged in as a valid user. Under no circumstances does Charter Bank Online Banking store your password. You will need to enter your password each time you attempt to sign in to Charter Bank Online Banking.

Will an unauthorized person be able to view my transactions?

Only authorized signers with a valid User ID and password will be able to access your account information. It is important that you do not share your password with anyone. Your password is an important security measure for you.

Site Navigation

How can I print screens within Charter Bank Online Banking?

To print screens in Charter Bank Online Banking, choose of the following: 1) click on the printer icon located just below the menu bar in online banking 2) click on the printer icon located on your browser tool bar, or 3) click on "File", then "Print" in your browser menu. To print copies of your cancelled checks or deposit slips, click on the camera icon to the left of the item and then choose one of the previously mentioned options.

How do I end my Charter Bank Online Banking session?

It is very important to click the "Exit" button, located in the upper right corner, to end your Charter Bank Online Banking session. This will ensure you have completely terminated your session and prevent unauthorized users from accessing your account information if you walk away. If you do not sign off properly, the system will automatically "time out" after 15 minutes and require that you re-enter your User ID and password in order to proceed with your session.

How do the Submit and Reset buttons work?

Once you have entered all of your requested information onto a page, clicking the Submit button will send the request to us. If you make a mistake while placing information on a page, the Reset button will clear the page for you and allow you to begin again.

What causes my session to time out?

If you remain in one area of Charter Bank Online Banking without any activity for 15 minutes, the system will automatically require you to enter your User ID and password before any new transactions can occur. This is to protect your personal information in case you walk away from your computer.

Can I access Charter Bank Online Banking with cookies turned off?

In order to sign into Charter Bank Online Banking, you must have your cookies enabled. To enable your cookies:

IBM Compatible Users:

Netscape Communicator 7.xx:

Click on Edit in the top menu bar
Choose Preferences
Under Category, click on the triangle to the left of Privacy and Security
Click on Cookies
Click on Allow all Cookies

Internet Explorer 6.xx:

Click on Tools in the top menu bar
Choose Internet Options
Click on the Privacy Tab
The slider should be set to Medium or a low setting

Macintosh Users:

Netscape Communicator:

Click on Edit in the top menu bar
Choose Preferences
Under Categories, click on Advanced
Under Cookies, click on the radio button next to Accept All Cookies
Click OK

Never Ask - enables cookies and does not give notification when cookies are presented
Ask for Each Site - enables cookies and notifies you at each site that uses cookies
Ask for Each Cookie - enables cookies and notifies you each time a cookie is presented
*Do NOT choose the option of 'Never Accept.' This will disable cookies.

back to top

Troubleshooting

Who should I contact if I have questions about Charter Bank Online Banking?

For assistance with Charter Bank Online Banking, please contact us at 847-882-1000 Monday through Friday, 8:30am – 5:00pm

How do I know what my error message means?

If you receive an error message that is not clear, please contact us at 847-882-1000. A representative will be able to explain the error message and help resolve the problem.

How do I know that I am connected to my Internet Service Provider (ISP)?

Make sure you dial in to your Internet Service Provider before trying to access Charter Bank Online Banking. If you are able to navigate to sites on the World Wide Web, you are connected to your ISP. Generally, if you are not connected to your ISP, you will receive an error message that there is no DNS entry.

What are the reasons to upgrade to my browser to the latest version?

Having the most recent version of a browser ensures that you will have access to all of the latest features and enhancements. Pages designed for the latest browsers can follow accepted standards, which means less code and, ultimately, faster downloads. In addition, many old browsers have known bugs or security holes that unscrupulous Web sites can take advantage of. Upgrading to the latest version will help you protect yourself

Where can I get the latest version of my browser?

Click here to download the latest version of Internet Explorer or Firefox. For other browsers, please visit their Web sites for more information.

How do I know that I have 128-bit encryption?

To check the level of encryption on your browser, follow these steps:

IBM Compatible Users:

Netscape Communicator 7.xx:

Click on Edit in the top menu bar
Choose Preferences
Under Category, click the triangle next to Privacy and Security
Click on SSL
Click on Edit Ciphers
All options under SSL2 Ciphersuites and SSL3/TLS Ciphersuites should be checked except for "No encryption with an MD5 MAC"

Internet Explorer 6.xx:

Click on Help in the top tool bar
Choose About Internet Explorer
Cipher Strength should read "128-bit"

Macintosh Users:

Netscape Communicator:

Click on Security Info in the top tool bar
Click on Navigator
Under Advanced Security (SSL) Configuration, click on the Configure SSLv2 button.
The first line should read "RC-4 with a 128-bit key". This will indicate that you have the correct encryption. If it says "RC-4 with a 128-bit key when permitted", you do NOT have 128-bit encryption.

Internet Explorer 6.xx:

Click on Explorer in the top menu bar
Choose About Internet Explorer
Click on Support
Encryption should read "128-bit"

Transacting

What is the difference between current balance and available balance?

The current balance consists of all deposits, plus interest credited to the account, minus all withdrawals and other debits to the account at the close of the Business Day. The available balance is the balance available for withdrawal. This does not include checks that may clear during the current business night's processing but does include adjustments for holds and unavailable funds (float). Processing occurs nightly, Monday through Friday.

How far back does the detailed information go?

Your transaction history and online check images are available for up to 12 months.

Between what accounts can you conduct immediate transfers?

You can make immediate transfers between your checking, money market, savings, and line of credit accounts. Federal regulations limit the number of electronic transfers you may make from money market and savings accounts to no more than six per monthly statement period. Requests on non-business days or after the cut-off time on business days are processed the following business day. The cut-off time is 2:00 PM Central time on business days.

What kind of recurring transfers are available?

You can choose to have your recurring transfers occur Weekly, every other Week, or on a specific day or date of the Month.

What accounts can you conduct recurring or future dated transfers between using online banking?

You can make recurring transfers between your checking, money market, savings and line of credit accounts. Federal regulations limit the number of electronic transfers you may make from money market and savings accounts to no more than six per monthly statement period.

When are transfers initiated through Charter Bank Online Banking credited?

Transfers made during business hours, through Charter Bank Online Banking, are immediate unless you have set-up the transfer for a future date. Transfers made after 2:00 PM (CT) will be posted on the next business day.

How do I modify or delete a future dated or recurring transfer?

If you need to delete a future dated or recurring transfer, log into online banking and choose “Transfers and Payments”, and then “Scheduled Transactions”. Select the transfer you’d like to delete and choose “Delete this transaction”. You are unable to edit a future dated or recurring transfer.

Can I place a stop payment using Charter Bank Online Banking?

Yes. You may place a stop payment on any check that has not cleared your account. The applicable stop payment fee will be assessed.

What requests can I make through the My Profile and Other Services portions of Charter Bank Online Banking?

My Profile and Other Services offer you many convenient, time saving services you would find at your local Charter Bank:

Change Password
Change Security Image
Change Security Phrase
Change Challenge Questions
Change your Email Address
Reorder Checks
Enroll in Charter Bank Bill Pay
Request a Copy of a Statement
Request a Copy of a Check or Withdrawal
Request a Copy of a Deposit or Credit
Use our Loan Calculator

Export Files

What versions of Quicken, QuickBooks or Microsoft Money can I use with Charter Bank Online Banking?

QIF - Quicken™Interchange Format
IIF - QuickBooks™ Interchange Format
OFX - Quicken™Web Connect
CSV - Comma Separated Values

Can I pay my bills using Quicken, QuickBooks or Microsoft Money with Charter Bank Online Banking?

Charter Bank Bill Pay allows you to pay your bills from your personal or business checking account. You can utilize Quicken, QuickBooks, or Microsoft Money to track the status of your accounts, and manage your finances. For more information on paying bills online, see the Bill Payment section of the Frequently Asked Questions.

Bill Payment

Can I pay my bills using online banking?

Yes! Bill payment is available with both personal and business checking accounts. It allows you to pay virtually any person or company in the United States. You can schedule one-time payments (for bills that vary each time) or recurring payments (for bills that are the same amount each time). Bill payment allows you to make, change, and verify bill payments via your personal computer. All of your bill payment activity is reflected online and stored for fifteen months.
*Important Note: The following types of payments are prohibited through bill payment: court-ordered payments, payments to purchase securities, tax payments, and payments to addresses outside of the United States.

How far in advance do I need to schedule a payment?

You are required to schedule payments at least two (for electronic payments) or six (for check payments) business days in advance of the payment due date. Some payments scheduled with a due date later than the statement "due date" (e.g. within the grace period) are not guaranteed.

How do I enroll in Bill Pay?

If you are already enrolled in Internet Banking, you can enroll in Bill Pay by clicking on the link in the menu bar at the top of the screen. If you are not enrolled in Internet Banking, click here to enroll. Choose the Internet Banking and Bill Pay option.

Calculators

How do I use the calculators?

You can access the calculators from the Personal and Business Products sections or by clicking here. Click on the calculator corresponding to your need, then complete the appropriate fields to obtain the amount you would like to have calculated for you. Once you have entered the appropriate information, click on the calculate tab. You will see the calculated results of your entries.

What kinds of calculators are available?

A selection of calculators is available to assist you with determining the potential amount of interest that you would gain from a deposit account or would pay on a loan account. You can also see how much of a credit line you can obtain, and even figure out what the payment amount would be.

Secure Messaging

Are e-mail transmissions secured?

Secure Messaging, within Charter Bank Online Banking, gives you the capability to send confidential information safely! That is because your e-mail is encrypted with the same high level of security as your Charter Bank Online Banking session. However, e-mail that is sent over the public Internet is not secure. We urge you not to include any personal information or account numbers in e-mail you send over the public Internet.

What is message history?

Message history allows you to view all of the secure correspondence that has occurred between you and Charter Bank.

What FDIC update has been issued recently?

Here’s what you need to know about the most recent FDIC ruling and how it impacts your Charter Bank accounts:

The FDIC permanently increased the amount of insurance it provides on eligible savings deposits from $100,000 to $250,000 per depositor. This means that consumer and business deposit accounts, such as checking, savings, CDs, and money market accounts, are insured for up to $250,000*.

*The deposit insurance coverage limits refer to the total of all deposits that an account holder (or accounts holders) has at each FDIC insured bank.

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010 through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, or money-market deposit accounts.

For more Information about temporary FDIC insurance, visit www.fdic.gov.

What is FDIC insurance?

Federal Deposit Insurance Corporation is an independent agency of the U.S. government that protects you against the loss of your deposits if any FDIC-insured bank or savings association fails. There is no need to apply for FDIC insurance – coverage is automatic and backed by the full faith and credit of the U.S. government.

How does FDIC insurance work?

To learn how FDIC insurance works, visit the agency’s web site at www.myfdicinsurance.gov. There you’ll find a wide range of resources including a series of Frequently Asked Questions. You may also call the FDIC at:

877-ASKFDIC (877-275-3342)
TDD: 800-925-4618

Are Charter Bank IRA CDs FDIC insured?

Yes. Certificates of Deposit, savings accounts and insured money market accounts held in a Charter Bank IRA are FDIC-insured for up to $250,000 per depositor. This is in addition to any FDIC insurance on your other Charter Bank deposit accounts.

2200 West Higgins Road	1400 Irving Park Rd	2069 Barrington Rd.
Hoffman Estates, IL 60169	Hanover Park, IL 60133	Hoffman Estates, IL 60169