LifePlus Checking

Simple, Straightforward Checking

Pay less and earn more with our LifePlus Checking account.

This checking account is everything you want from a checking account PLUS everything you already love about being a Chartway member. It’s flexible, affordable, and may earn dividends. It doesn’t get much better than that.

LifePlus Checking account features:

  • Dividend earnings (based on balance)
  • Free Visa® Debit Card
  • Free Bill Pay, Mobile and Online Banking
  • Same Day Direct Deposit
  • eStatements
  • Unlimited Teller Access
  • Overdraft Privilege (ODP)1
  • Access to over 25,000 ATMs nationwide through Co-Op Network®

Hold the Fees, Please.

There are no fees for the LifePlus checking account, as long as you do one of the following:

  • Set up a direct deposit — of any amount!
  • Perform at least 10 debit purchases with your Visa Debit Card
  • Maintain a minimum monthly balance of $500 or more

Making life affordable is what we do best. Spend less and earn more with our new LifePlus Checking account.

1An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of one business day, if you default on any loan or other obligation to Chartway Federal Credit Union or if your account is subject to any legal or administrative order or levy.

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

LifePlus Checking Account Features

Everything you want from a checking account PLUS everything you already love about being a member! It’s flexible, affordable, and FREE with Direct Deposit!1

1Monthly Maintenance Fee is waived if the checking account maintains an average daily balance (ADB) of $500 or has direct deposit or has a minimum of 10 debit card purchases.
2 Message and data rates may apply.

ATM/Debit Card

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

Purchases

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.

ATMs

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 USA.Visa.com.

Overdraft Privilege

When it comes to overdraft coverage, you have options.

The best way to avoid overdrafts is good account management. However, we know that life doesn’t always go as planned, and there are many reasons why you may have an occasional overdraft. At Chartway, we have several options to help you prevent and cover overdrafts.

We have three forms of overdraft coverage available:

Overdraft Privilege

Chartway offers Overdraft Privilege coverage in two amounts: $750 with an active direct deposit on your checking account and $500 without an active direct deposit on your checking account.

Overdraft Privilege allows you to overdraw your account up to an established limit for a fee in order to pay a transaction. Even if you use an overdraft transfer or an overdraft line-of-credit, Overdraft Privilege is still available as secondary coverage. If you use Overdraft Privilege, we will charge a $30 fee each time we pay an overdraft. Our standard Overdraft Privilege covers checks, bill payments, ACH (automatic debits), teller transactions, recurring debit card transactions, and telephone and internet banking transactions on your checking account.

Line-of-Credit

Link your line-of-credit to your checking account to cover your overdrafts caused by any type of transaction. There are no transfer fees, and the funds become available again as soon as you pay down your balance. Personal lines of credit are subject to interest and credit approval.

Overdraft Transfer

Your savings or money market accounts can serve as a form of overdraft protection for your checking account. In the event of an overdraft caused by any type of transaction, funds will automatically transfer to your checking account from your linked account at the credit union to cover the transaction. The fee for each transfer is $6.00.

Questions about overdraft privilege? We’re here to help!

Extend Your Overdraft Privilege to Include ATM and Debit Card Transactions

To have your ATM withdrawals and everyday debit card transactions covered by Overdraft Privilege in addition to the standard overdraft coverage on your account, extend your coverage today!

Extending your coverage is easy! Just follow these steps to extend your Overdraft Privilege today:

  • Log in to Online Banking
  • Select “Member Services” from the main menu bar
  • Extend your Overdraft Privilege by following the prompts

You can also extend your coverage by doing any of the following:

  • Call us at (800) 678-8765, visit any branch location, or email us at emailus@chartway.com
  • Complete the consent form, and mail it to 5700 Cleveland Street, Virginia Beach, VA 23462

For complete details and full disclosures, view our Overdraft Privilege brochure.

An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of one business day, if you default on any loan or other obligation to Chartway Federal Credit Union or if your account is subject to any legal or administrative order or levy.

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 (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

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.

Checking

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.

Direct Deposit Sign-Up Instructions

Follow these three easy steps to get started with direct deposit.

Savings

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

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