Are You Prepared? Get expert advice to help ensure and protect your financial legacy at our free educational seminars.

What can we do for you?

Lost or stolen Visa Debit 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.


Customer Engagement


Available (Eastern Time):
Monday-Friday: 7:30 a.m. - 6:00 p.m. 
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