PPP borrowers are strongly encouraged to apply for PPP loan forgiveness before Dec. 31, 2021.

Get an experienced trust officer’s perspective on Estate Planning and Asset Management. Attend a free seminar.

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


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