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Local People
Local Decisions

Whatever your financing needs, the loan officers at Charlotte State Bank & Trust can provide fast service with flexible terms.

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.

Be Safe Online and while shopping

Things you should do online for your safety

  • Keep your Computer Healthy:  Install a firewall, security updates, antivirus software and keep them all updated.
  • Protect Personal Information: Use secure passwords and be sure to keep them private.  Adjust your security and privacy setting on social sites.
  • Think before you click:  Beware of emails with links and attachments.  While surfing the Internet, be sure the website is legitimate before you navigate to it.  If you’re shopping on line, be sure to look for the lock at the top and the s in https.

For more information how to protect yourself and your personal information visit our Security Page.

Security Page