In observance of Martin Luther King Day, all of our locations will be closed on Monday, Jan. 18.

Get expert advice for Estate Planning and Investment Management by attending an educational webinar.

COVID-19 Resources, PPP and  Stimulus Payment Information  

Due to the increase in COVID-19 cases in our area, lobby access is by appointment only.

Updated 1/11/2021

We're Better Together

We are dedicated to serving you while working to safeguard our collective health and wellness. Due to the increase in COVID-19 cases in our area, lobby access is by appointment only. Drive-thru service, curbside banking appointments, online and mobile banking remain available. To make an appointment to visit a lobby to discuss a loan or other banking concerns, including access to your safe deposit box, please call our Customer Care team at 1-888-624-5454.

Small Business Resources

Economic Impact Payments


Drive-Thru Service

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Curbside Banking

Need a notary, a new debit card or need to sign new account paperwork? Conduct your banking needs from the comfort of your vehicle! Just one more way we make banking easy, secure, and convenient!

Please call 1 888-624-5454 for an appointment. 

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Online and Mobile Banking

Use Online Banking and Mobile Banking to access and manage your accounts, check account balances, transfer funds, pay bills and make deposits.

Download Our App - Charlotte State Bank & Trusts Mobile Banking apps for Apple and Android devices allow you to bank almost anywhere, anytime.

Enroll in Online Banking - Gain peace of mind by banking with Online Banking and Bill Pay.

How-to Videos - We have some videos for you to learn Online Banking.


Our Customer Care team is available.


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


How can we serve you?

Our team is here to serve you. Let us know how we can help.
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We understand that this is a very challenging time for individuals, families, businesses, and communities. We have many online resources to help make banking easier. Whether you want to figure out a payment via one of our financial calculators, are looking for resources to teach your kids about money, want to explore and understand online banking, or just find an answer from a list of frequently asked questions, we’ve got you covered. 

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