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Charlotte State Bank & Trust will never call you to ask you to verify or provide your full account number, username, password, debit card number, PIN or Social Security number. If you receive a call requesting this information, even if the caller ID looks like it is coming from the bank, immediately hang up, and call us at 888-624-5454.
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:

See what sets each checking account apart

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  • Easy

    Access Checking

  • Flexible

    Personal Checking

  • Interest Bearing

    Personal Plus Checking

Easy

Access Checking

Flexible

Personal Checking

Interest Bearing

Personal Plus Checking

Interest None None Start earning interest on balances of $1,000 or more. Interest rates may change.
Monthly Maintenance Charges $0 to $8 $0 to $8 $0 to $13
Ways to Avoid Maintenance Charges - Enroll in Online Statements to avoid the $8 Maintenance Charge - Maintain minimum daily balance of $500 OR with a monthly Direct Deposit to avoid the $5 Maintenance Charge
- Enroll in Online Statements to avoid the $3 Maintenance Charge
- Maintain minimum daily balance of $1,000 to avoid the $10 Maintenance Charge
- Enroll in Online Statements to avoid the $3 Maintenance Charge

1Some restrictions may apply. Minors aged 16 and 17 require a joint account with parent or guardian. You must be age 18 or older to access Bill Pay.

2Mobile 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.

3Subject 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.

4Requires Visa Check Card. Some features require specific hardware and software.

5P2P Payments can be made directly in Online Banking or the Mobile Banking App through the Zelle® network.

6Reciprocal agreements with Wauchula State BankCrews Bank & Trust and Englewood Bank & Trust allow you to 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