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. Its deposit products include checking, money market, savings, and term certificate accounts, as well as noninterest-bearing demand deposits. The company also provides commercial real estate loans, one- to four-family residential mortgage loans, construction loans, investment securities, commercial business loans, home equity loans and lines of credit, and consumer loans, such as loans on deposits, automobile loans, and various other installment loans. In addition, it offers community banking services comprising online banking and bill payment, mobile banking, online cash management, safe deposit box rentals, debit card, and ATM card services. The company operates through a network of 14 branch offices located in west-central Georgia, east-central Alabama, and the Florida Gulf Coast; and a cashless branch office located in Norcross, Georgia. Charter Financial Corporation was founded in 1954 and is based in West Point, Georgia.