Happy Thanksgiving!  All Charlotte State Bank & Trust locations will be closed Thursday, Nov. 28.  We will be open regular hours on Friday, Nov. 29. 

Life Happens!
Overdraft Coverage can help!

From time to time you may unexpectedly overdraft your account. Overdraft Coverage can help and you have options for your personal or business checking accounts.

We're here to make your
Business Banking easier!

Let us help you with direct deposit of payroll, merchant services, business online banking and bill pay, business debit cards, business and commercial real estate loans.

Buying or building a home?
Dreams can come true!

Our expert lenders 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.

Free Estate Planning and Investment Management Seminars

Would your group like to learn more about Trust and Investment Management?
Christine is available to discuss a range of topics on how advance planning can help you prepare for the future:

  • Planning with a Will or Trust
  • Planning for Market Fluctuations: Top 10 Things Every Investor Should Know
  • Planning Who Best Should Control Your Finances

Click below for a list of topics and contact information.

Investments are not a deposit, not FDIC insured, not insured by any Federal government agency, not bank guaranteed and may lose value.

Free Seminars