Charter One Bank

National Bank, charterone.com

Charter One Bank logo
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Rating
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

Acquired in 2004 by Citizens Financial Group, Inc., Charter One Bank has branches in Illinois, Ohio, Indiana and Michigan. Despite the use of the different names, the two banks are otherwise the same. Charter One has been fully integrated into Citizens, and has adopted an identical logo. The websites for both banks are also identical, with the only difference being the name. Citizens customers can bank at Charter One locations and vice-versa. Combined they are the ninth-largest bank in the United States with over $128 billion in assets and 1,400 branches across 13 states.

Charter One Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) $20 $30
  • Stop Payment item $25 $27
  • Return Deposit $10 $13
  • Domestic Wire Transfer (Outbound) $21 $22
  • Domestic Wire Transfer (Inbound) $21 $10
  • Non-Bank ATM $2.75 $1

Locations & Hours

map of local branches and ATMs
Branches
809

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By ambram2595 Jun 26, 2016

    great bank! never had any issues with them

    i used to have a checking account with charter one, now citizens bank since they changed the name. I miss having a checking account with them to be honest. I have toke out student loans with this bank and I have gotten great interest rates and payment plans.

    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By angrycustomer21 Apr 28, 2016

    Crooks

    This bank does not care about their customers, they are crooks and out to take every penny they can from you. I would never recommend this bank to anyone.

    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By KevinSemple Sep 28, 2015

    Charter One Mortgage

    We had a second mortgage through Charter One. After the rates dropped to an all time low we tried to refinance or "re-structure" our loan. I worked with our primary mortgage holder and had no trouble with the re-write. All I ever got from Charter One was the run around. I received numerous letters and phone calls from Charter One. Some of the letters did not have the proper account number on them. It was actually an account from someone else. We put some payments on hold because of their ineptitude while trying to re-structure the loan. Eventually we ended up selling our house and paid-off both loans. It has now been over one year & we find out now that our credit rating has a "black mark" on it because of all of the confusion & lack of quality employees with Charter One. We were told that even though our loan was paid-in-full, the "bad credit" event would remain on our record for 7 years. STAY AWAY FROM THIS COMPANY. CHARTER ONE SUCKS!!!

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By ambram2595 Jun 26, 2016

    great bank! never had any issues with them

    i used to have a checking account with charter one, now citizens bank since they changed the name. I miss having a checking account with them to be honest. I have toke out student loans with this bank and I have gotten great interest rates and payment plans.

    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By DTMKnight Dec 27, 2013

    Awful from top to bottom with hidden fees!

    So I open up a CD with Charter One Bank which matures. I call and specifically ask what are the penalties as I will be unable to go to the bank during the short 10 day grace period. The employee tells me I will lose the interest I accrue during the time after the account has matured.

    Go into the bank a couple weeks later and they tell me $50 dollar fine and lost interest. Never heard of this kind of fine before and they have now lost all future business with me. I even had them as a strong possibility for my mortgage as I will be buying a house next year. At least now I know that would have been an awful mistake.

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By KevinSemple Sep 28, 2015

    Charter One Mortgage

    We had a second mortgage through Charter One. After the rates dropped to an all time low we tried to refinance or "re-structure" our loan. I worked with our primary mortgage holder and had no trouble with the re-write. All I ever got from Charter One was the run around. I received numerous letters and phone calls from Charter One. Some of the letters did not have the proper account number on them. It was actually an account from someone else. We put some payments on hold because of their ineptitude while trying to re-structure the loan. Eventually we ended up selling our house and paid-off both loans. It has now been over one year & we find out now that our credit rating has a "black mark" on it because of all of the confusion & lack of quality employees with Charter One. We were told that even though our loan was paid-in-full, the "bad credit" event would remain on our record for 7 years. STAY AWAY FROM THIS COMPANY. CHARTER ONE SUCKS!!!

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By DTMKnight Dec 27, 2013

    Awful from top to bottom with hidden fees!

    So I open up a CD with Charter One Bank which matures. I call and specifically ask what are the penalties as I will be unable to go to the bank during the short 10 day grace period. The employee tells me I will lose the interest I accrue during the time after the account has matured.

    Go into the bank a couple weeks later and they tell me $50 dollar fine and lost interest. Never heard of this kind of fine before and they have now lost all future business with me. I even had them as a strong possibility for my mortgage as I will be buying a house next year. At least now I know that would have been an awful mistake.

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By KevinSemple Sep 28, 2015

    Charter One Mortgage

    We had a second mortgage through Charter One. After the rates dropped to an all time low we tried to refinance or "re-structure" our loan. I worked with our primary mortgage holder and had no trouble with the re-write. All I ever got from Charter One was the run around. I received numerous letters and phone calls from Charter One. Some of the letters did not have the proper account number on them. It was actually an account from someone else. We put some payments on hold because of their ineptitude while trying to re-structure the loan. Eventually we ended up selling our house and paid-off both loans. It has now been over one year & we find out now that our credit rating has a "black mark" on it because of all of the confusion & lack of quality employees with Charter One. We were told that even though our loan was paid-in-full, the "bad credit" event would remain on our record for 7 years. STAY AWAY FROM THIS COMPANY. CHARTER ONE SUCKS!!!

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By sgspearman Apr 18, 2014

    poor customer service on payoff

    So I had been generally happy with our line of credit of credit at charter one. But when we used their phone menu to order a payoff letter it was lost. When I called customer service after 8 days they said they could fax it. I said great. Then they said it will be $25 (for a fax!)

    I asked to speak to a manager and explained why the late payoff letter was their error and that I expected it to be free. He said he had no way to waive the fee but said the office of the chairman would be in touch in a couple days. Someone called after 4 days but missed me. When I called them back I got no return call again for another two days. This is not what I expect in customer service - very poor.

    Continue reading...
    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By ambram2595 Jun 26, 2016

    great bank! never had any issues with them

    i used to have a checking account with charter one, now citizens bank since they changed the name. I miss having a checking account with them to be honest. I have toke out student loans with this bank and I have gotten great interest rates and payment plans.

    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By angrycustomer21 Apr 28, 2016

    Crooks

    This bank does not care about their customers, they are crooks and out to take every penny they can from you. I would never recommend this bank to anyone.

    Thank you for your feedback Is this review helpful?
  •  
    Reviewed By KevinSemple Sep 28, 2015

    Charter One Mortgage

    We had a second mortgage through Charter One. After the rates dropped to an all time low we tried to refinance or "re-structure" our loan. I worked with our primary mortgage holder and had no trouble with the re-write. All I ever got from Charter One was the run around. I received numerous letters and phone calls from Charter One. Some of the letters did not have the proper account number on them. It was actually an account from someone else. We put some payments on hold because of their ineptitude while trying to re-structure the loan. Eventually we ended up selling our house and paid-off both loans. It has now been over one year & we find out now that our credit rating has a "black mark" on it because of all of the confusion & lack of quality employees with Charter One. We were told that even though our loan was paid-in-full, the "bad credit" event would remain on our record for 7 years. STAY AWAY FROM THIS COMPANY. CHARTER ONE SUCKS!!!

    Continue reading...
    Thank you for your feedback Is this review helpful?