PPP Loan Forgiveness 

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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.

We also offer special products for nonprofit organizations which, like our business customers, strengthen our communities.

Each checking account includes:

  • Online Banking with Bill Pay
  • Visa Debit Card
  • Overdraft Coverage1
  • Mobile Check Deposit2
  • Notary Service3

Business Checking Features

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  • Business eChecking
  • Business Checking Plus
  • Non-Profit Checking Plus
Business eChecking Business Checking Plus Non-Profit Checking Plus
Minimum Opening Deposit $50 $50 $1
Ways to Avoid Fees Enroll in Online Statements to avoid a $7 Print Statement fee. No per item fee $3,000 daily balance to avoid a $10 monthly service fee. No per item fee for the first 200 debit items per statement cycle, $.25 per debit item thereafter. No monthly service fee. No per item fee.
Qualifications to open Must be 18+ years of age, some restrictions apply. Need required business documentation. Must be 18+ years of age, some restrictions apply. Need required business documentation. Must be 18+ years of age, some restrictions apply. 501(c)3 Non-Profit Organization
Interest Earned None None No minimum balance required. Interest is compounded on the daily balance and credited monthly.

1Accounts will be charged the standard overdraft fee of $35 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $35 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 thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to Charlotte State Bank and Trust or if your account is subject to any legal or administrative order or levy.

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.

3Notary service is provided as a courtesy to our customers. There is a $10 per notary service for non-customers. Please bring a photo ID with you as state laws require us to verify your identification. Regulations do not allow us 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. Learn more.

Business Express Deposit
Business Express Deposit allows you to electronically send checks for deposit to your Charlotte State Bank & Trust account. Business Express Deposit is fast and convenient; simply scan checks from your office or business location. Deposit information is securely transmitted using the banking industry's highest standard of encryption. Within seconds, Business Express Deposit confirms your deposit. You have the option to print a record of your completed deposit. For more information about Business Express Deposit, please speak with the branch manager at any of our offices or contact our eServices Department.



Charlotte State Bank & Trust has reciprocal agreements with Wauchula State BankCrews Bank & Trust and Englewood Bank & Trust so that you may 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. If you choose to use your debit card outside of the surcharge-free ATMs, you will be assessed a $2 fee by Charlotte State Bank & Trust for each out-of-network transaction.

Overdraft Coverage

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

Learn More

Let's talk!

We are here to help you and your organization.