Regulation CC Funds Availability Change, Effective 7/1/20
Amounts made available for withdrawal on the 1st business day after checks deposited is increasing from $200 to $225 and $5,000 to $5,525 on large deposits.
For more information, please contact us.
All of our locations will be closed on Saturday, July 4, in celebration of Independence Day.
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:
|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 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.