Personal Checking | Charlotte State Bank & Trust

See what sets each checking account apart

Turn device to view entire table.

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 eStatements)	$5 Monthly Service Fee	$8 Monthly Service Fee
Per Item Debit Fee	None	None	$0.30
Interest Earned	None	None	Compounded daily and credited monthly
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 Service.

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 payment fee. 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 Bank, Crews 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. If you choose to use your debit card outside of the surcharge-free ATMs, you will be assessed a $2 fee by Charlotte State Bank & Trust for each out-of-network transaction.