Join Charlotte State Bank & Trust Vice President Christine Hause and Portfolio Manager Angie Parsons for a series of estate-planning and investment seminars designed to help you learn "how to" ensure and protect your financial legacy.

An Easy Way to Do Business

Business checking accounts for your financial goals.

Charlotte State Bank & Trust’s Business Checking account is the “easy way to do business.” Attractive terms and convenient features let you focus on your business.

Ask about our special products for IOTA and Public Funds customers.

Each checking account includes:

Business Checking Features

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  • Perfect for small businesses

    Business Checking

  • Ideal for growing and large businesses

    Business Analysis Checking

  • Tailored controls for large businesses

    Commercial Checking

  • Exclusively designed for non-profits

    Non-profit Checking

Perfect for small businesses

Business Checking

Ideal for growing and large businesses

Business Analysis Checking

Tailored controls for large businesses

Commercial Checking

Exclusively designed for non-profits

Non-profit Checking

Minimum Opening Deposit None None $5,000 None
Interest None None None Yes
Ways to Avoid Maintenance Charge - Enroll in Online Statements to avoid the $3 Maintenance Charge - Earnings Credit available to reduce or avoid monthly charges. - Maintain minimum daily balance of $5,000 to avoid the $15 Maintenance Charge
- Enroll in Online Statements to avoid the $3 Maintenance Charge
- Enroll in Online Statements to avoid the $3 Maintenance Charge
Per Item Debit/Credit Fees - 300 free debit/credit items.
- $0.15 per debit/credit item thereafter.
None - 500 free debit/credit items.
- $0.15 per debit/credit item thereafter.
None
Feature One

Must be 18+ years of age.

1Mobile App required. Cell phone provider may charge additional fees for web browsing and/or text messages. In order to use Mobile Banking, the browser on your mobile device must be capable of storing cookies.

2Subject to eligibility. Deposits are subject to verification. Deposit limits and other restrictions apply. Must have the Mobile App downloaded to your smart phone. Must retain check for seven days prior to destroying it. Check images will not be available online, for copies contact Customer Engagement.

3Accounts will be charged the standard overdraft fee of $33 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $33 for items returned. 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.

4Requires Visa Check Card. Some features require specific hardware and software.

5Reciprocal agreements with Wauchula State Bank, Crews Bank & Trust and Englewood Bank & Trust allow you to use their ATMs without charge. We have also partnered with Presto to bring our customers access to a surcharge-free ATM network of more than 1,000 ATMs. Simply go to our locations page to locate the ATM nearest to you anytime you have the need for cash.

6Notary service is provided as a courtesy to our customers.  Please call the office prior to your arrival to ensure availability. Please bring a photo ID with you. State laws require us to verify your identification, even if we know you. We are unable to notarize the following documents: wills, trusts, durable power of attorney, warranty deeds, quit claim deeds, or any certified copies such as birth certificates.

Additional documentation is necessary as required by federal law.

Overdraft Coverage

Charlotte State Bank & Trust understands that you may unexpectedly overdraft your account. Protect yourself against unnecessary fees with Overdraft Coverage.

Learn More

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We are here to help you and your organization.