We will be closed on Memorial Day, Monday, May 25, to honor our fallen heroes.

As you continue to assess what's best for you and your family, our commitment to you remains the same. 

Updated 5/4/2020

Through it all, we're here for you.

Charlotte State Bank & Trust understands these are anxious times and we are sensitive to the needs and circumstances our customers. Together, we will work through the challenges created by the COVID-19 pandemic and continue to provide essential banking services. We have a responsibility to our customers, communities and employees.

Person Holding Water


Criminals often take advantage of uncertain times, leading to an increase in fraudulent activity. Please know we are monitoring your accounts for fraud, but remember that we will never call you to ask that you provide or verify your full account number, username or password, or full social security number. If you are ever in doubt as to whether a call is legitimate, simply hang up and call us back directly at 941-624-5400 . For more information about what fraudsters have been up to lately, read our blog COVID-19 Brings Out the Scammers

family with piggy bank


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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Small Business Resources

A Letter from Our President