Step 1: Click on the “Enroll” link on the upper left portion of our website just to the right of the Online Banking Login box.
Step 2: Confirm your Identity
Step 3: Register
Step 4: Authenticate
Step 5: Confirm your Contact Information
Step 6: You're Enrolled
Step 1: Navigate to the App Store or Google Play and search for Charlotte State Bank & Trust
Step 2: Click on “Get” and then “Install”
Step 3: Click on “Open”
Step 4: Enter your username
Step 5: Verify your identity by answering the security question, then click “Continue”
Step 6: Enter your password
You’re enrolled. Click on the Menu icon to access mobile banking
Schedule one time or recurring bill payments to individuals or companies. Bill Pay can only be set up using a desktop or laptop but current bills can be paid using your mobile device.
Step 1: Access Online Banking
Step 2: Authenticate
Step 3: Add a Payee
Step 4: Making a Payment
To see the bills you have scheduled to pay, click on the Scheduled tab at the top of the dashboard.
The History tab shows your recent payments made through Online Bill Pay.
The eBills tab assists you in setting up electronic billing with those payees who offer the service.
Send money from your Charlotte State Bank & Trust debit card to almost anyone! All you need is their cell number or email address. Available on desktop and mobile. There is a $1 fee per transfer.
You will receive an email or text message notifying them that money has been sent to you. The notification will include a link to use to complete the transfer. By clicking on the link, you may choose to receive your money via debit card or into a checking account at any financial institution.
The debit card option is displayed by default. Simply fill in the fields indicated, accept the Terms of Service and then click on Deposit Payment.
Select “Receive with your Checking Account” to switch to the checking account option. To switch back to the debit card option, select “Receive with your Debit Card.”
Please note: funds received by debit card will be available immediately. Funds received to checking accounts will be available in two to three days.
A “Success!” message will be displayed when the money has been successfully deposited.
Use your mobile phone to deposit checks by simply snapping a photo of the front and back of your check!
Step 1: Log into Mobile Banking using the Charlotte State Bank & Trust App. Select “Mobile Deposit” from the menu.
Step 2: Tap on the “Select an Account” area to choose which account to deposit your check into. Then tap on the “Amount” section and enter the correct deposit amount.
Step 3: Endorse the back of the check adding “For Mobile Deposit Only.”
Step 4: Tap the “Check Front” area for the App to automatically snap a photograph of your check. Then tap the “Check Back” area to take the photo of the back of the check. Then tap “Deposit Check.”
You will receive an email confirming that the deposit has been received. Once the deposit is approved, you will receive another email verifying that the deposit was made.
Receive text, email or push notifications to keep track of your account activity. Account notifications can only be set up using a desktop computer, but enabled alerts can be managed and changed using a mobile device.
Step 1: Log into Online Banking utilizing a desktop computer.
Step 2: Click on the “Widgets” icon and select “Notifications” at the top of your dashboard.
Step 3: Click on the “Gear” widget on the right side of the notification you wish to receive.
Step 4: Click on the account for which you wish to receive the alert.
Step 5: Enter any thresholds or other requested information.
Step 6: Click on the type of notification you wish to receive – either by email, “Push” or text message alert. A “Push” alert is set up on your mobile device to receive on you mobile phone.
Step 7: Click “Save Changes.”
Instantly move money between your Charlotte State Bank & Trust accounts, external accounts or send money to others. Available on your desktop computer or mobile device.
Step 1: Log into Online or Mobile Banking.
Step 2: Click on the “Transfers” widget
Step 3: Select the account from which you wish to transfer money, the amount and the account into which you want the money deposited.
Step 4: Click on “Make Transfer.”
Step 1: Log in to Online Banking and click on the “Widget Options” icon
Step 2: Click on “Link an External Account.”
Step 3: Read and agree to the Enrollment and Approval of External Accounts, then click “Continue.”
Step 4: Follow the provided instructions.
To do this, you must first link to an external account.
Step 1: Log in to Online or Mobile Banking. Open either by clicking on the “Transfers” widget or select “Transfer” from the menu in the App.
Step 2: Select the “From” account. External accounts are indicated by an icon. Select the amount you want to transfer. Select the “To” account. Your loan will be listed as a “To” account.
Step 3: Click “Make Transfer.”
Do you have questions about our Online and Mobile Banking? Check out our Frequently Asked Questions.
1Charlotte State Bank & Trust Mobile App is available for Apple® or Android™ mobile devices. Message and data rates may apply. Funds are available within two business days after the date of deposit unless otherwise notified. Deposit limitations apply. Visit www.charlottestatebankandtrust.com for terms, conditions and details. Apple® and the Apple® logo are trademarks of Apple Inc., registered in the United States and other countries. App Store® is a service mark of Apple Inc. Android™ and Google Play™ are trademarks of Google Inc.