I know this is old but the solution does not work for negative index so I add a patch to it. hope it helps someone
String.prototype.replaceAt=function(index, character) {
if(index>-1) return this.substr(0, index) + character + this.substr(index+character.length);
else return this.substr(0, this.length+index) + character + this.substr(index+character.length);
}