Are You Prepared?
Get expert advice to help ensure and protect your financial legacy at our free educational seminars.
Charlotte State Bank & Trust will never call you to ask you to verify or provide your full account number, username, password, debit card number, PIN or Social Security number. If you receive a call requesting this information, even if the caller ID looks like it is coming from the bank, immediately hang up, and call us at 888-624-5454.
Ways to Pay for Business Owners

Pay the way that is best for your business.

Business doesn’t stay the same, so the way you pay for expenses shouldn’t either. Purchase conveniently and quickly with different ways to pay.


Online Bill Pay

Securely pay your bills online with our easy-to-use free bill pay service. Pay night or day, so you can spend your time on what matters most - growing your business.

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Visa® Debit Card

Save time managing your business with the Charlotte State Bank & Trust Visa Debit Card. It’s the hassle-free way to pay without relying on cash or a checkbook.

  • Pay for everyday purchases wherever Visa® is accepted
  • Safer than carrying cash
  • More convenient than checks
  • Bank for free at more than 1,000 surcharge-free ATMs*
  • Use it with Apple Pay® or Samsung Pay to make purchasing even more convenient

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Apple Pay1

The easy, secure, and private way to pay. Apple Pay allows you to make purchases at retailers and within apps using your iPhone. All you need is an Apple Pay compatible device to make purchases without actually swiping your card or entering card information online.

  • Make payments easily and securely
  • Pay with a single touch
  • Keep track of transactions made via your device



Samsung Pay2

Enjoy the benefits of your Charlotte State Bank & Trust Visa® Business Debit Card with Samsung Pay. It's easy, secure, and private.

Each Samsung Pay transaction uses a unique digital identifier instead of your card number, so your card details are never shared. Fingerprint or PIN authorization means you control when each payment is made.

*Reciprocal agreements with Wauchula State BankCrews 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.

1Available for use with smart phone. Some restrictions may apply.

2Available for use only with select devices. Standard wireless charges may apply. Check with your wireless carrier for details. For the Galaxy S6, S6 edge, S6 edge+ and Note5, Samsung Pay will be automatically installed through a software update. Going forward, compatible phones will have Samsung Pay preloaded when purchased.