In order to maintain and enhance our electronic services, our servers will undergo maintenance Thursday, September 3, 20105, from 12:00 midnight until 4:00 a.m.  You may experience an interruption in service during this time.  We apologize for the inconvenience.

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Looking for an investment/rental home?  Take a look at what we have available.

Stop Fraud in its Tracks!
With FREE Text Alerts :)

Sign up for Debit Card Text Alerts and you'll receive instant text messages regarding your Charlotte State Bank & Trust debit card when ever your card is used - and more importantly when it may be used fraudulently.  It's a free service, learn more by clicking here.

Buying a Home?
Dreams Can Come True!

We help area residents realize the dream of home ownership. We offer a variety of home mortgage loans to fit all kinds of budgets.

Learn more about trust and investment management.

Things you should know about planning your estate, choosing a trustee and the value of fee-based investment management.

Watch our videos to help clarify key points you need to know when planning your estate. 

Attend one of our September 2015 Seminars to learn more about:

  • Estate Planning Basics
  • Straight Talk about Annuities, UITs, Closed-end Funds, REITs and more!
  • Life Changing Events and Their Impact on Your Estate Plan
Investments are not a deposit, not FDIC insured, not insured by any Federal government agency, not bank guaranteed and may lose value.