JETSTREAM 4100 FLC DIVERTED TO ANOTHER ARPT ENRTE AFTER DISCOVERING INFLT THAT THEY HAD INSUFFICIENT FUEL TO MAKE THEIR SCHEDULED DEST.

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ON THE CLBOUT; WE DETERMINED THAT WE HAD INSUFFICIENT FUEL TO PROCEED TO IAD. WE ASSESSED THE SIT; NOTIFIED ATC THAT WE HAD MINIMUM FUEL ON BOARD AND REQUESTED A DIVERSION TO EWR. ATC GRANTED US CLRNC TO EWR; WHICH WAS VFR AT THE TIME; AND WE PROCEEDED TO LAND WITH A CLRNC FOR A VISUAL APCH. THE LNDG WAS UNEVENTFUL. WE TAXIED TO THE GATE; NOTIFIED DISPATCH AND WERE RERELEASED TO IAD. THE FLT FROM EWR TO IAD WAS NORMAL. THE FO AND I HAD FLOWN 1 ROUND TRIP TOGETHER PRIOR TO THIS FLT. WE RPTED FOR DUTY AT XA00 AND A SUFFICIENT REST PERIOD. THE FIRST TRIP WAS ALSO A ROUND TRIP. DURING THE TURNAROUND; OPS PROCEEDED NORMALLY. WE ASKED FOR RAMP SVC; CONDUCTED A POSTFLT INSPECTION; PICKED UP AND REVIEWED THE DISPATCH RELEASE; THEN TOOK A BATHROOM BREAK. AFTER WE RETURNED TO THE ACFT; WE COMPLETED THE TURNAROUND CHKLIST AND PROCEEDED TO WAIT FOR THE PAX TO BOARD. WE HAD NOT RECEIVED A FUEL SLIP ON THE EARLIER TRIP AND WE WEREN'T TOO CONCERNED THAT WE HAD NOT RECEIVED ONE ON THIS TRIP. THERE WAS SUFFICIENT TIME FROM WHEN I LEFT THE ACFT; WENT INSIDE; AND RETURNED TO THE ACFT FOR A FUEL TRUCK TO HAVE COME OUT TO THE PLANE AND COMPLETE REFUELING. AFTER BOARDING WAS COMPLETED; WE HAD 3 MINS LEFT TO MAKE AN ON-TIME- DEP. THE FLT ATTENDANT INTERRUPTED OUR BEFORE START CHKS TO POINT OUT THAT THE AGENT LEFT THE BOARDING ROPE ATTACHED TO THE ACFT. THE RAMP MECH UNTIED IT AND WE STARTED OUR CHKLIST AGAIN; ONLY THIS TIME WE RUSHED TO ENSURE THE ON-TIME DEP. THE FUEL GAUGES WERE COVERED BY THE RELEASE PAPERWORK. AT THIS POINT; I FEEL THAT THE CURRENT ACR CHKLIST FAILS IN ITS PURPOSE. THERE IS NO VERIFICATION BY BOTH CREW MEMBERS CONCERNING FUEL; ONLY A RESPONSE FROM THE FO. WHILE I WAS CLRING THE PORT SIDE OF THE ACFT FOR ENG START; THE FO WAS LOCKING THE DOOR. WHEN HE STATED THE FUEL LEVEL; THE FO USED THE PLANNED FUEL FROM THE RELEASE. I HAD ASSUMED HE READ THE FUEL FROM THE GAUGES. FROM THIS POINT ON; THERE IS NO FURTHER REF TO THE FUEL IN ANY CHKLIST. ONLY WHEN WE LEVELED OFF AT 14000 FT DID EITHER OF US NOTICE THE FUEL LEVEL. CONTRIBUTING FACTORS THAT I CAN IDENT INCLUDE A LEVEL OF COMPLACENCY WHEN BOTH CREW MEMBERS HAVE A HIGH LEVEL OF CONFIDENCE IN THE OTHER CREW MEMBER TO BE ABLE TO PERFORM THEIR REQUIRED DUTIES; A SERIES OF EVENTS THAT INCLUDE AN INTERRUPTED CHKLIST THAT DISTRACTS BOTH CREW MEMBERS FROM THE TASKS AT HAND; A SINGLE POINT OF FAILURE IN THE CHKLIST; IE; NO REQUIRED RESPONSE FROM PERSONNEL CONCERNING THE FUEL ONBOARD; AND A SENSE OF URGENCY OVER ENSURING AN ON-TIME DEP. THE SINGLE MOST EFFECTIVE CORRECTIVE ACTION I COULD RECOMMEND IS A REVISION TO THE CHKLISTS CURRENTLY IN USE TO INCLUDE A DUEL VERIFICATION OF THE FUEL ON BOARD AT LEAST TWICE BEFORE TKOF; ONCE BEFORE START; AND ONCE DURING THE TAXI OUT. SUPPLEMENTAL INFO FROM ACN 543792: THE CAPT AND I HAVE MET WITH THE COMPANY AND WE SUGGEST DIRECTIONS; RUSHING; AND A WEAK CHKLIST; ALONG WITH COMPLACENCY ON OUR PART; ARE TO BLAME FOR THE MINIMUM FUEL SIT. OUR COMPANY IS IN THE PROCESS OF CHANGING OUR CHKLIST FROM THE FO STATING FUEL ON BOARD TO BOTH CREW MEMBERS STATING FUEL ON BOARD. THE CAPT AND I HAVE ALSO RECEIVED CRM AND CHKLIST TRAINING. DUE TO THE UNPLEASANT SIT WE PUT OURSELVES IN; ALONG WITH CRM TRAINING; WE ARE CONFIDENT THIS WILL NOT BE A REPEAT OCCURRENCE.