Regulation CC Funds Availability Change, Effective 7/1/20 
Amounts made available for withdrawal on the 1st business day after checks deposited is increasing from $200 to $225 and $5,000 to $5,525 on large deposits.
For more information, please contact us.

All of our locations will be closed on Saturday, July 4, in celebration of Independence Day.

Click here for our latest COVID-19 updates.

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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Business Express Deposit

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 protects your business against check fraud by warning you of unconfirmed transactions before they are paid.

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On Our Minds


Investment Market Update, Q2 2020



Charlotte County, Florida Real Estate Update - June 2020



Be safe and prepared this summer