Nonprofit Services

Charlotte State Bank & Trust understands the unique needs of area nonprofit organizations and is proud to support community organizations through its Community Involvement and by providing unique products to service these needs.

We are pleased to offer:

Nonprofit Checking PLUS

A checking account specializing in the needs of nonprofit organizations, featuring:

  • Interest paid on deposits regardless of balance
  • No minimum balance required
  • Unlimited transactions per month at no charge
  • FREE Charlotte State Bank & Trust Online Banking and Bill Pay
  • FREE Charlotte State Bank & Trust Business VISA CheckCard

Are you holding a fund-raising event and need a credit-card merchant machine?  Ask us about the use of ours.


Advantage Business Savings

  • $200 Minimum opening balance
  • $200 Daily balance required to avoid monthly service fee
  • Monthly service fee: $3
  • Tiered interest, the more you have on deposit, the higher your return
  • Interest compounded daily and credited monthly
  • Two FREE withdrawals per month. $1 service fee for each additional withdrawal
  • Regulatory withdrawal limitations: If your account is a savings or money market deposit accounts (MMDA), federal law requires that an accountholder may make no more than six transfers and/or withdrawals during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks, to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by you and payable to third parties. Transfers and withdrawals made in person, by messenger or at an ATM are unlimited