In celebration of the contributions and achievements of American workers, we will be closed on Labor Day, Monday, Sept. 7.  We will resume regular business hours on Tuesday, Sept. 8.  Happy Labor Day!

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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.