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Frequently Asked Questions

Hours  |  Bill Pay  |  Debit Cards  |  MobiMoney  |  eServices  |  Home Mortgage Loans  |  Business Loans  |  Consumer Loans 
Mobile Banking  |  Mobile Check Deposit  |  Online Statements  |  Overdraft Coverage  |  Text Banking  |  Visa Chip Card

Q: What is Charlotte State Bank & Trust’s routing number?
A: Our bank routing number is 067013179. This is also Charlotte State Bank & Trust's ABA number.

Q: What are your wire instructions?
A: Domestic Wires:
     Receiving Bank:
                Charlotte State Bank & Trust
                1100 Tamiami Trail
                Port Charlotte, Florida 33953
                ABA #067013179
                Phone: 941-624-5400

     For Credit to:
                Customer Name
                Physical Address
                Account Number

A: International Wires: Please call 941-624-5400 and speak with a Personal Banker for international wire instructions.

Hours  (top)

Q: What are your lobby hours?
A: Monday – Thursday: 9 a.m. to 4 p.m.    Friday: 9 a.m. to 6 p.m.

Q: What are your drive-thru hours?
A: Monday – Thursday: 8 a.m. to 5 p.m.    Friday: 8 a.m. to 6 p.m.    Saturday: 8:30 a.m. to noon

Q: What are your daily cut-off times?
A: ATM Deposits: 4:00 p.m.

     Wires: 4:00 p.m. - Outgoing domestic and international wires
                4:00 p.m. - Incoming wires

     Mobile Check Deposit: 11:00 a.m. (early) and 3:00 p.m. (end of day)

     Cash Management: 12:00 noon ACH Origination
                                      11:00 a.m. (early) Business Express Deposit
                                      4:00 p.m. (end of day) Business Express Deposit

Bill Pay  (top)

Q: How do I enroll for Bill Pay?
A: For RETAIL CUSTOMERS - To pay your bills online, you must first enroll in Charlotte State Bank & Trust’s Online Banking service. To add Online Bill Payment to your existing Charlotte State Bank & Trust Online Banking service:

  • Log in to ONLINE BANKING
  • Select ’Bill Payment’ tab
  • Select ’Enroll’

You will be able to pay bills online the next business day following your enrollment.

A: For BUSINESS CUSTOMERS - To pay your business bills online, you must first enroll in Charlotte State Bank & Trust’s Online Banking service. To add Online Bill Payment to your existing Charlotte State Bank & Trust Online Banking service:

  • Log in to Online Banking
  • Click on the ’Cash Management’ tab
  • In the OTHER SERVICES box, click on ’Business Bill Pay’
  • Click on ‘Enroll’
  • Complete the application, print it out, sign and date it and return it to the bank for completion.

You will be sent an email when your access is ready for your use.

Q:   Who can I pay through Bill Pay?
A:    Almost any person or company to whom you would normally mail a check, as long as it is payable in the United States. We recommend that payments to government agencies, such as payment of your property taxes, etc. not be paid via Bill Pay.

Debit Cards  (top)

Q: What is the daily withdrawal limit at the ATM?
A: $600 and/or four withdrawals per day.

Q: How do I report a lost or stolen Visa Check Card?
A: During business hours: Call 941-624-5400 or visit any of our offices

    After business hours: Call 1-866-664-9364 or call the Hometown TouchLine at 941-627-3987 and follow the prompts

Q: What are the transaction limits for a Visa Debit Card?
A: Personal Debit Cards:

  • 20 transactions per day or $2,400 per day
  • Cash Advance: two per day or $600 per day

    Business Debit Cards:

  • 20 transactions per day or $2,400 per day
  • Cash Advance: two per day or $600 per day

Q: What are the locations of your ATMs?
A: Each of our five offices have drive-up ATMs. You may also use your VISA Debit Card service charge-free at any Publix Presto machine, and we have reciprocal agreements for charge-free use with Englewood Bank & Trust, First State Bank of Arcadia and Wauchula State Bank.

Q: Can I use my Visa Debit Card outside the United States?
A: Yes, you may use your card outside the United States. We do, however, recommend that you to contact us at 941-624-5400 whenever you are traveling and using your debit card either within or outside of the country so we can update our fraud department with that information.

Q: What happens if an unauthorized debit or charge appears on my account?
A: If an unexpected transaction appears on your account, contact us immediately at 941-624-5400 or stop by any Charlotte State Bank & Trust office. After normal business hours, please contact the 24-hour Hotline at 1-800-236-2442.

Q: Where can I find surcharge-free ATMs in my area?
A: Click here to find Publix Presto ATMs closest to you or download our Mobile Banking iPhone or Android app.

MobiMoney (top)

MobiMoney FAQs Guide

MobiMoney User's Guide

eServices  (top)

Q: What is your Hometown TouchLine phone number?
A: Local: 941-627-3987.
    Out of town: 1-800-407-6791.

Q: How do I sign up for Online Banking?
A: You can sign up online at, select ‘Enroll Personal’ or ‘Enroll Business.’

Q: Is it possible to transfer funds from one bank to another?
A: Yes, this service is available for Retail Customers. You will need to sign into Online Banking and apply for an External Transfer under the ‘User Services’ tab.

Q: How do I set up an External Account?
A: Log into Online Banking, go to ‘User Services’ and select ‘Add External Transfer Account.’ You will need to agree to our External Transfer Terms and Conditions in order to proceed. Complete the online form, print it out and click on ‘Submit.’ In order to validate that you are the rightful owner of the external account, you will be requested to provide a copy of the front page of your statement from the other institution. Send this to us with your signed External Transfer application. Once we have received these items, we can complete your request.

Q: What are the fees for an External Transfer?
A: There is no fee for transferring funds into the bank. There is a $3.00 fee for transferring money to an external account. Please be sure to allow for three business day processing all External Transfers.

Q: If I get a temporary passcode, how long do I have to change it?
A: Your temporary passcode is good for 24 hours and must be changed during that time.

Q: How do I change my address within Online Banking?
A: Under the User Services tab, select ‘Change Contact Information.’ 

Q: Is my Access ID or Passcode case sensitive?
A: Yes, both are case sensitive.

Q: How do I reset my Passcode?
A: Simply click on ‘Forgot Your Passcode’ on our website at and follow the on-screen instructions. Or, you may call one of our Personal Bankers at 941-624-5400. Your Passcode is case sensitive, must be at least 7 characters long, contain at least 1 number, 1 letter and cannot be the same as your Access ID or your last few passcodes. You can use special characters if you wish.

Q: Can I pay off my loan on Online Banking?
A: No. Please see a teller specialist at any Charlotte State Bank & Trust office to assist you.

Home Mortgage Loans  (top)

Q: Do you offer fixed- and adjustable-rate real estate mortgages?
A: Yes, click here for more information.

Q: Can I have my loan payment automatically debited from my checking account? 
A: Yes, talk with one of our lenders to learn more about your payment options

Q: Can I apply online?
A: Charlotte State Bank & Trust is a community bank that believes in personalized service. Instead of applying online, we want you to talk to a real person who can listen to your individual needs. Our local lenders are committed to providing the expert advice and personal service you deserve. However, for your convenience a Mortgage Loan Application is available online to help get you started.

Q: Do you require a minimum credit score to apply for a loan?
A: Your credit history carries a lot of weight when underwriting a loan. We analyze your entire credit history as part of our credit decision. We offer options for those with less than perfect credit.

Q: If I am purchasing a new home, do I need to have a contract before applying for a loan?
A: No, we can complete a pre-qualification to determine the loan amount and product that best suits your needs.

Q: Do I need to have a checking or savings account at Charlotte State Bank & Trust in order to apply for a mortgage loan?
A: No, we do not require either. We are glad to work with applicants that are new to CSB&T.

Q: I received a bill for my property taxes but thought this was included in my monthly loan payment?
A: If your property taxes are escrowed on your loan, you may still receive a statement from the county tax collector, but Charlotte State Bank & Trust will automatically pay this for you each year from your escrow account. Please contact us if you have questions or are not sure if your taxes are escrowed.

Q: I received my monthly billing notice and noticed that my payment has increased. Why did it go up?
A: If your property taxes or your homeowner’s insurance are escrowed on your loan, it is possible that one of those payments increased and your monthly loan payment was adjusted to cover the additional cost. If you have an Adjustable-Rate Loan, it is also possible that your interest rate changed causing an increase in your payment amount. Feel free to contact us for additional information.

Q: Do you require that I have mortgage insurance on my loan?
A: If you finance more than 80% of the appraised value of your home, mortgage insurance may be required and added to your monthly payment amount.

Q: Is a home inspection required for a new home purchase?
A: Charlotte State Bank & Trust does not require a home inspection but you may choose to have an inspection on the property you want to purchase.

Q: Will I receive a copy of my appraisal?
A: Yes, if we order an appraisal to determine the property’s value, we will promptly give you a copy of the appraisal even if your loan does not close.

Business Loans  (top)

Q: Do you make business loans?
A: Yes, we offer loans for business owners with fast and local decisions.

Q: What kinds of loans do you make?
A: We provide commercial financing for real estate, lines of credit, expansion expenses and more!

Q: How long before I know if I am approved?
A: While the actual timing varies according to the type of loan for which you are applying, our experienced lenders strive to make the process as quick and easy as possible.

Consumer Loans  (top)

Q: Do you do debt consolidation loans?
A: Yes, we will work with you to determine what best meets your individual borrowing needs. 

Q: Do you make automobile loans?
A: Yes, we lend on new and used vehicles as well as boats and motor homes.

Q: Do you make Home Equity Lines of Credit?
A: Yes, based on the equity that you have in your home.  Our Personal Bankers can assist you with this type of loan.

Mobile Banking  (top)

Q: What is Charlotte State Bank & Trust Mobile Banking? 
A: Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable mobile-banking application, depending on your preference and your phone capabilities. Both options allow you to view account balances, search recent account activity, transfer funds between your Charlotte State Bank & Trust accounts, view check images, and find nearest ATM or branch locations. 

Q: How do I install the downloadable application?
A: If you are an iPhone or Android user, go to the App Store or Google play and search for Charlotte State Bank & Trust to download the bank’s Mobile Banking application. Or, for your convenience, you can on the respective icon below to quickly locate the app.
iPhone App Store Logo    Google Play Logo

Q: How much does this service cost? 
A: There is no charge associated with Mobile Banking. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless carrier for more information. 

Q: Is it secure? 
A: Yes. The Mobile Banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, Access ID and Passcode access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no personal information or account data is ever stored on your phone once a Text Banking, Mobile Web banking or Mobile Application session has ended. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or by calling customer service at 941-624-5400 during regular business hours. 

Q: Which wireless carriers are supported?
A: We support all the popular U.S. wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon (Alltel), U.S. Cellular and Virgin Mobile. If your carrier is not listed above, please contact us at 941-624-5400 during regular business hours for assistance.

Q: Do I need a text message or data plan?
A: Yes. A text messaging and/or data plan is typically needed, as data usage can become expensive without it. Please check with your wireless carrier for more information. 

Q: I'm not enrolled for Online Banking. Can I still use this? 
A: You must first enable your bank account(s) for Online Banking before using Mobile Banking. 

Q: Is Mobile Banking available for businesses?
A: Yes. Mobile Banking is available to the company’s Focus Customer as well as all Sub-Users. Sub-Users will have the same access they have within Online Banking. 

Q: Are Mobile Banking transactions processed immediately? 
A: Yes. Account transfers and loan payments initiated through mobile banking are processed in the same manner that account transfers and loan payments initiated through Online Banking. 

Q: Is there a limit on transfers between my Charlotte State Bank & Trust accounts? 
A: Yes. The transfer limit is set to $1 million per transaction; however, there is not a daily limit of transfers.

Q: Are check images available on Mobile Banking?
A: Yes.

Mobile Check Deposit  (top)

Q: What is Mobile Check Deposit?
A: With Charlotte State Bank & Trust’s Mobile Check Deposit, eligible and enrolled customers can deposit checks by taking snapshots of each side of an endorsed check and sending them to the bank for deposit through our Mobile Banking app.

Q: How do I start using Mobile Check Deposit?
A: Access your CSB&T iPhone or Android app and click on ‘Check Deposit.’ Please note you must be eligible to use this service.

Q: Why am I unable to deposit my check?
A: Some reasons why your check may not be accepted through Mobile Check Deposit are:

  • The check is over the allowed daily dollar limit of $2,500
  • The check has already been submitted
  • The type of check is not accepted 
  • Check is of bad quality (torn, folded, etc.)
  • Front image is not legible
  • Amount entered does not match the amount on the check
  • Routing and account numbers are unclear
  • Image is too dark or blurry
  • Lack of proper signature and/or endorsement

Q: Can I deposit any kind of check through Mobile Check Deposit?
A: Charlotte State Bank & Trust will review the deposit and reserves the right to reject a deposit. Certain types of checks will not be accepted through Mobile Check Deposit. Please refer to the Mobile Deposit Terms and Conditions for a full list of checks that will not be accepted. That list includes, but is not limited to the following:

  • Third Party Checks
  • Checks drawn on accounts at foreign financial institutions
  • Tax Refund Checks
  • Returned Checks
  • Sweepstakes Checks
  • Checks Payable to Cash
  • Lottery Checks
  • Over-the-Counter Checks

Q: What is the dollar limit I can deposit per day for each eligible account?
A: You may deposit up to $2,500 per day through Mobile Check Deposit.

Q: Is there a fee to use Mobile Check Deposit?
A: Charlotte State Bank & Trust does not currently charge a fee for Mobile Check Deposit. Standard data fees from your mobile provider apply.

Q: What do I do if a deposited item is returned?
A: Do not rescan the original check. For assistance with the returned check, please take it to a branch office for redeposit or call 941-624-5400 during regular business hours.

Q: What do I do with my checks after I make a deposit?
A: It is recommended that you keep the original checks for seven days. Store the checks in a secure location, and do not attempt to redeposit them. Charlotte State Bank & Trust may request the original check. After seven days, we recommend that you safely destroy the deposited checks.

Q: Who can I call with questions?
A: If you need assistance, please call us at 941-624-5400 and one of our Personal Bankers will be happy to assist you. We are available Monday through Thursday from 8 a.m. to 5 p.m. and Friday from 8 a.m. to 6 p.m.

Online Statements  (top)

Q: What are Online Statements?
A: An Online Statement is an electronic version of your paper statement, including canceled check images, legal notices and the back page of your statement. You retrieve this statement online for your checking and savings accounts.

Q: How do I sign up?
A: Log in to Charlotte State Bank & Trust’s Online Banking and select ‘User Services.’ Click on ‘Account Statements.’  The Electronic Statements Delivery Request confirms that you have read and accepted Charlotte State Bank & Trust's Electronic Disclosure Policy. By clicking the ‘Submit for this Account’ or the ‘Submit for All Accounts’ button, you agree to retrieve your statements in electronic-only format and that Charlotte State Bank & Trust will discontinue the delivery of paper statements for those accounts. When you want to see your statement, log into Online Banking. To the right of your account information, you will see ‘Actions’ with a drop-down box titled ‘I want to.’ Select ‘View Statement’ and enter the month and year of the statement you would like to see.

Q: How many statements are available through Online Banking?
A: You can currently access up to seven years of statements via Online Banking.

Q: Do I need to enroll all of my accounts in Online Statements?
A: No. You can enroll whatever account(s) you would like to set up for Online Statements. You can opt in for one account, several accounts or all accounts in Online Statements.

Overdraft Coverage  (top)

Q: How does your Overdraft Coverage work?
A: There are three ways to cover overdrafts:

  • Establish Overdraft Protection. This service links your checking account to another deposit account you have with us. With this option, overdrafts will be transferred in increments of $100. There is no cost for the transfer to cover the overdraft. This is your least costly way to cover overdrafts.
  • Utilize your standard Overdraft Privilege*. This service allows you to overdraft your account up to the disclosed limit for a $35 per overdraft fee in order to pay for the transaction. Even if you have Overdraft Protection, Overdraft Privilege is available as secondary coverage if the other funds are exhausted.
  • Overdraft Privilege with Extended Coverage builds on Overdraft Privilege by extending the ability to overdraft your account to both withdrawals at an ATM or with debit card purchases. Click here for more details.

* An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every 32-day period for a minimum of 24 hours, if you default on any loan or other obligation to Charlotte State Bank & Trust or if your account is subject to any legal or administrative order or levy.

Text Banking  (top)

Q: What is Charlotte State Bank & Trust Text Banking? 
A: Text Banking gives you access to your accounts via text (SMS) messages on your phone. It is a fast, easy way to look up account balances or recent account history by sending a text command to a short code. 

Q: What is Charlotte State Bank & Trust’s short code? 
A: All text messages should be sent to 96865. Note that this short code is different than the one used for Debit Card Text Alerts.

Q: Can I use both Text Banking and Mobile Banking on my phone? 
A: Yes. To do so you will need to activate each option on your phone prior to use. 

Q: Is Text Banking supported on my phone? 
A: Text Banking will work on any text message (SMS) capable phone from one of our supported carriers. 

Q: What are the Text Banking commands?
A: Click here to view all available Text Banking Commands.

Visa Chip Cards  (top)

Q: What is a chip card?
A: Charlotte State Bank & Trust Visa Debit Cards now feature built-in chip technology, which provides global acceptance plus an enhanced level of security.

Q: How does chip technology protect my information?
A: Whenever you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Q: Where can I use a chip card?
A: You can use your card at millions of places around the world that accept Visa Debit Cards.

Q: Can I swipe my chip card to pay?
A: Yes. If a merchant is not yet chip-activated, you can continue to swipe your card and enter your PIN. Or select CREDIT and sign for your purchase.

Q: Can I use my chip card at the ATM?
A: Yes. You can use your card at the ATM to get cash, check your balances and more.

Q: When will I receive my Chip Card?
A: Visa Chip Debit Cards will be re-issued when your current card is scheduled for replacement.