Introduction:
Charter Financial Corporation operates as the holding company for CharterBank, a federally-chartered savings bank that provides various banking products and services to individuals and businesses in the United States. The companys deposit products include checking, money market, regular savings, and term certificate accounts, as well as noninterest-bearing demand deposits. It also provides commercial real estate loans, one- to four-family residential mortgage loans, construction loans, and investment securities; and commercial business loans, home equity loans, and lines of credit, as well as other consumer loans, including deposits, automobile loans, mobile home loans, and various other installment loans. In addition, the company offers various community banking services, such as online banking and bill payment services, mobile banking, online cash management, safe deposit box rentals, and debit and ATM card services. It operates through a network of 20 branch offices in west-central Georgia, east-central Alabama, and the Florida Gulf Coast; and a cashless branch office in Norcross, Georgia. The company was founded in 1954 and is based in West Point, Georgia.