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.


What can we do for you?

Please use the following contact information if you would like assistance immediately or to speak with someone directly.

Lost or stolen Visa Check Cards

Contact us immediately if you believe your card and/or PIN has been lost or stolen, or if you believe that an unauthorized transaction has occurred.

During banking hours: 941-624-5400
After-hours: 866-664-9364

Customer Care

Available: Monday – Friday, 7:30 a.m. – 6 p.m. EST Saturday, 8 a.m. - noon 

24-Hour Automated Telephone Banking

To check account balances, transfer funds among your Charlotte Bank & Trust accounts, make loan payments or to see if a specific check has cleared, call:



Staff Directory

Please use the following information to contact a Charlotte State Bank & Trust team member directly.

Staff Directory