The perfect pair:
A Chartway checking account and debit card.

Interest-earning option? Check.
Unlimited-teller-transactions option? Check.
No-minimum-balance option? Check.
Visa Debit Card? Check.

Checks? Check! (You probably saw that coming.)

And there's more…

No matter what Chartway checking option you choose – Best Value, Access, Interest Plus, or Premium Value – you’ll enjoy these extra features:

  • Online Banking with 24/7 access
  • ATM Access at Chartway and Co-op Network machines
  • Account Protection Program

I have been a member for over 25 years and have always been greeted with great employees.

Compare Checking Accounts

1 Earn dividends with $2,500 minimum Average Daily Balance

2 Earn dividends with $1,500 minimum Average Daily Balance

Checking Account Options

Choose the perfect checking account for you: Best Value, Access, Interest Plus, or Premium Value. Then just click to open!

Best Value Checking

No need to worry about keeping a minimum balance or paying a monthly fee.

If you do most of your banking online, Best Value Checking is the perfect choice for you.

Best Value Checking lets you avoid extra fees and still enjoy 24/7 account access with online banking and your Chartway Visa Debit Card. Skip the in-branch teller transaction fees by using online and mobile banking, bill pay, and our other electronic services.

Access Checking

Sometimes face to face is better.

If you prefer to do your banking in person at a Chartway branch, then Access Checking with its unlimited teller transactions is a great account for you.

Access Checking comes with free online banking, free bill pay, and unlimited transactions at Chartway ATMs. Set up direct deposit or keep at least a $300 average daily balance and your monthly service fee is waived.

Interest Plus Checking

Interested in dividends?

Interest Plus Checking pays above-market monthly dividends on your checking balance.

Earn dividends on Interest Plus Checking when your average balance reaches $1,500. Enjoy all the extra convenience features of Chartway checking accounts— like online and mobile banking, Visa Debit Cards, and bill pay. Visit Chartway branches anytime thanks to unlimited teller transactions and write out a box of checks on us!

Premium Value Checking

The crème de la crème. The best of the best. The pick of the litter. The top of its class.

Chartway’s Premium Value Checking has it all.

Earn the highest dividend of our checking accounts when your average balance reaches $2,500. We’ll even waive the monthly maintenance fee. Plus, we’ll supply you with free checks, unlimited teller transactions, and all of the other Chartway extras: Visa Debit Cards, online and mobile banking, and unlimited Chartway ATM transactions.

If you don’t want to skimp on your checking account, Premium Value Checking is for you!

Did you know?

Chartway is in the top 100 credit unions nationwide in asset size, number of branches and number of members.

ATM/Debit Card

Use your Visa Debit Card for purchases and for ATM transactions.


Visa Debit Card purchases come directly out of your checking account and Visa’s Zero Liability* coverage protects you when you sign for your purchase.


From Chartway’s own ATMs to the CO-OP nationwide network of ATM machines, you’ll be able to use your card anywhere. Check the ATM Locator for a machine near you.

*Visa’s Zero Liability

Zero Liability covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify us immediately of any unauthorized use. For specific restrictions, limitations and other details, please visit

Account Protection Program

No one ever intends to overdraw an account.

Perhaps you never have, but things happen. A deposit is late. Funds are tight. We get busy and forget to register a purchase in the checkbook. Mistakes happen, and Chartway understands that.

How the Account Protection Program Works

Should there not be enough money in your account for either checks, ACH, ATM, or Debit/POS transactions to clear, Chartway’s Account Protection Program may cover the expense and allow that purchase to go through without delay. You won’t have to experience the embarrassment and frustration of having your debit card transaction declined at check-out due to insufficient funds. With Chartway’s Account Protection Program, we step in and spot you the extra cash to cover your purchases—up to $500. 

Chartway’s Account Protection Program provides a safety net.

Ask yourself:

  • Have I ever experienced an overdraft on my account?
  • Was I ever unable to make a debit card purchase due to insufficient funds?
  • Have I doubted whether or not I had enough money to cover my purchase?
  • Do I want to be saved the embarrassment of having my ATM or debit card transaction declined?

Ready to sign up?

  • Opt in today! There is no cost to opt in, and this coverage is automatic for checks and ACH transactions.
  • There’s no cost to opt in
  • You only pay when you use the program
  • A $30 fee is assessed each time you require the Account Protection Program to cover your checks, ACH, ATM and one-time debit/POS Card transactions

To opt in to this valuable service for your ATM and debit/POS card transactions, stop by one of our convenient branch locations or call us today. We look forward to serving you. 

Make the Switch to Chartway

Switching your checking account to Chartway is as easy as 1-2-3!

1. Open your new Chartway account

Take care of your new account first and it’ll be a smooth move from your old one.

  • Call — We can open your new account over the phone. Give us a call at (757) 552-1000 or (800) 678-8765 and we'll take care of it!
  • Click — It's easy and quick to open your account online. Our system will walk you through each step. (There aren't too many!)
  • Visit — Of course, you can always stop at any Chartway branch. We'd love to see you and open your new account!

2. Set up Direct Deposit

No more paper paychecks— with direct deposit, your money goes right into your Chartway account! Let your  employer know your new Chartway account number and our routing number and you’re practically done.

If you are a Federal employee, including military, start with Sign-Up Form 1199A. If you're employed at a private company, contact your payroll or Human Resources department to get things started.

Here are instructions for how to locate your account number: checking account | savings account.

3. Close your old checking account

Redirect your automatic payments/debits to your new Chartway account. Don't forget loan payments, insurance premium payments, utility payments, membership dues, donations, and any other recurring debits to your account.

Let your outstanding checks clear from your old account. 

Once all activity has been phased out, contact your old financial institution and request that the account be closed and the balance sent to you.

Set Up Direct Deposit

It's easy to set up direct deposit to your Chartway account!

If you need help identifying which numbers to enter, please feel free to call us for help. If the account number and routing number are not entered correctly, your deposit may fail.


To deposit your paycheck into your checking account, use your checking account number. Your checking account number is different from your member number. Do not use your member number. Your account number can be found on the MICR line at the bottom of your Chartway checks. You can also locate your account number by logging in to our online banking system and looking under the INFO tab next to the account you designate for your direct deposit. Your Account Number (ACH) is listed at the bottom.

You will also need to provide your employer with the Chartway routing/transit number. This number is 251481614 and can also be found on the MICR line at the bottom of your Chartway checks.

When you use our direct deposit, we’ll deposit your paycheck into your account as soon as we get it – which could be 1-3 days earlier than you received it before.


To set up direct deposit for your savings account, please follow the instructions on the Share Savings page.

Details and Disclosures

Some restrictions may apply. For complete details and full disclosures, please see a Member Specialist. View all required disclosures.

More Ways to Help

Frequently Asked Questions

Related Products & Services

Searching for how to make your life more affordable?

Chartway has the answers.

It’s quick and easy to find information about our services, accounts, loans, fees, branch hours, or anything else Chartway related.

We’ll search our knowledge base and give you an answer immediately. If your question stumps the search robots, you’ll have a chance to submit it to us and we’ll get back to you with the answer. Of course, you’re always welcome to call us, too. We’re on the phones 24/7.