Business Checking Accounts

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At Charlotte State Bank & Trust, we welcome the opportunity to serve your business checking needs.  We are pleased to offer checking options for all types of businesses.  If you have questions, please do not hesitate to contact one of our Personal Bankers at the office most convenient for you.


  Business eChecking Business Checking Plus Non-Profit Checking Plus
Minimum Opening Balance $50 $50 $1
Balance Requirements None $3,000 daily balance to avoid monthly service fee None
Monthly Fee $7 Print Statement Fee (waived when enrolled in eStatements) $10 Monthly Service Fee None
Per Item Debit Unlimited at no charge First 200 FREE per statement cycle, $.25 per debit item thereafter Unlimited at no charge
Online Banking FREE FREE FREE
Online Statements Required Available Available
Overdraft Coverage1 Click here for details Click here for details Click here for details
Mobile Check Deposit2 Available and FREE Available and FREE Available and FREE
Monthly Statements with Check Images Online Only Available Available
Notary Service FREE FREE FREE
Qualifications to open3 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 Compounded daily 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 Service.

3Additional 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.