CharterBank is a full-service financial institution that offers various personal and commercial banking and lending solutions for business owners, professionals and individuals. The bank provides checking, savings, money market and certificate of deposit accounts. Its range of loan products include automobile, home construction, commercial, and mortgage loans. CharterBank provides online and automated telephone banking services. In addition, the bank offers safe deposit boxes and night depository options for those wanting to make deposits after hours. It provides ATM debit cards for its account holders. CharterBank also offers commercial cash management and bill paying services.