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.
Financial management simplified

Convenient treasury management solutions make managing easier.

Financial management is only one part of your business. But it can take big effort. Ensuring that you get paid on time and pay your bills in a timely manner demands constant vigilance.

However, giving all your attention to financial management takes energy away from other aspects of your business. Free yourself to focus on growing your business by trusting our management solutions to help you manage your company’s finances.

Charlotte State Bank & Trust can help your business:

  • Improve cash flow by streamlining customer payments and receivables
  • Work with multiple vendors simultaneously through a single source that accepts all major credit card types, gift and loyalty cards, and more
  • Make it easier for customers to pay you by accepting more types of payments, including mobile and digital wallets like Apple Pay®, EMV smart/chip cards and more
  • Manage payments all in one place, securely and safely online

Treasury Management

ACH Origination

Streamline payments for you and your customers. Send electronic credits (direct deposit) or debits (direct payment) from any bank account in the United States.

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Remote Deposit Now

Keep cash flowing from just about anywhere. Deposit funds from your desktop, tablet or smartphone.

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Merchant Services

Compete effectively with the most efficient payment processing solution for your business. Tailor it to your needs.

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Positive Pay

Charlotte State Bank & Trust’s Positive Pay system helps protect your business against check fraud by warning you of unconfirmed transactions before they are paid.

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Need to wire money?

Wire Transfer Service

We've provided step-by-step instructions to easily send wires directly in your Online Banking.

Learn How

On Our Minds


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