PPP Loan Forgiveness 

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Checking accounts for every lifestyle

Choose the checking account for you.

Checking accounts are not one-size-fits-all. Your needs are as unique as you. Charlotte State Bank & Trust offers an array of accounts so that you can find one for your lifestyle. They all make managing your income and expenses convenient and easy.

Each checking account includes:

  • Online Banking with Bill Pay1
  • Visa Debit Card with MobiMoneyTM2
  • Automated Telephone Banking Service
  • Mobile Banking3 and Mobile Check Deposit4
  • Apple Pay5
  • Person-to-Person Payments6

See what sets each checking account apart

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  • eChecking
  • Hometown Checking
  • Personal Checking Plus
eChecking Hometown Checking Personal Checking Plus
Minimum Opening Deposit $50 $50 $100
Balance Requirements None None $1,000 minimum daily balance required to avoid monthly service and per item fees
Monthly Fee $7 Print Statement Fee (waived when enrolled in Online Statements) $5 Monthly Service Fee $8 Monthly Service Fee
Per Item Debit Fee None None $0.30
Interest Earned None None Interest rate may change at any time; interest is compounded daily and is credited monthly. You must maintain a minimum balance of $1,200 in the account each day to obtain the disclosed annual percentage yield.
Qualifications to open7 Must be 16+ years of age8 Must be 18+ years of age Must be 18+ years of age

1Parent or guardian required to establish for minors aged 16 - 17.

2MobiMoney app required. Offers usage alerts and other card-control features. Standard wireless carrier charges may apply. Check with your wireless carrier for details.

3Mobile App required. Cell phone provider may charge additional fees for web browsing and/or text messages. In order to use Mobile Banking, the browser on your mobile device must be capable of storing cookies.

4Subject to eligibility. Deposits are subject to verification. Deposit limits and other restrictions apply. Must have the Mobile App downloaded to your smart phone. Must retain check for seven days prior to destroying it. Check images will not be available online, for copies contact Customer Engagement.

5Requires Visa Check Card. Payments must be made with iPhone 6, 6 Plus and later, Apple Watch, iPad Pro or iPad Mini 3 and later.

6No need to exchange account numbers. $1 per transaction. Cell phone provider may charge additional fees for text messages.

7Some restrictions may apply.

8Minors aged 16 and 17 require a joint account with parent or guardian.


Charlotte State Bank & Trust has reciprocal agreements with Wauchula State BankCrews Bank & Trust and Englewood Bank & Trust so that you may use their ATMs without charge. We have also partnered with Presto to bring our customers access to a surcharge-free ATM network of more than 1,000 ATMs. Simply go to our locations page to locate the ATM nearest to you anytime you have the need for cash.

Overdraft Coverage

Avoid costly fees for returned checks. Protect your checking account from overdrafts with overdraft coverage.

Learn More