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.

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Gain an advantage

Give your customers more ways to pay with Merchant Card Services.

Customers want to pay their way—and that probably doesn’t mean with cash. Today’s on-the-go consumers prefer to pay electronically. Merchant Card Services let them do so.

Charlotte State Bank & Trust can provide you with a complete merchant processing solution customized to your needs. Whether you need an in-store terminal or want to use your smartphone to accept card payments, we can help you process your payments efficiently through our partnership with Heartland Payment Services. You also can keep customers coming back by letting them pay their way.

Are Merchant Services right for you?

Do you ...

Offer debit or credit card payments? Accept in-person check payments? Or do you want to accept electronic payments for your mobile business so you can get paid on the go? If you answered “yes” to any of these questions, then our Merchant Services could help you.

Talk to an expert

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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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.

Learn More
Papers

Online Services Product Sheet

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