In observance of Martin Luther King Day, all of our locations will be closed on Monday, Jan. 18.

Get expert advice for Estate Planning and Investment Management by attending an educational webinar.

COVID-19 Resources, PPP and  Stimulus Payment Information  

Due to the increase in COVID-19 cases in our area, lobby access is by appointment only.

Wherever You Are

We are there.

You don’t spend all of your life in one place, so you should be able to bank in more than one place.

Online and mobile banking provide convenient alternatives to visiting a branch or even making a phone call. Easily access and manage your accounts from your home, your office, or wherever you have an internet connection.


Online Banking & Bill Pay

Pay bills conveniently and safely. Save stamps, paper, and time by paying online.

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Mobile Banking & Check Deposit

Whether you’re running errands, enjoying a vacation, or just away from your computer, you can bank on the go with our mobile app. Deposit checks, access your accounts, transfer money, and more.

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Ways to Pay

Cash isn’t always best. Find out more about secure ways to pay like using a debit card, MobiMoney, Apple Pay®, and P2P payments with your Charlotte State Bank & Trust account.

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Quicken® and QuickBooks®

Charlotte State Bank & Trust offers two convenient ways to download transactions so that you can add them to your account in Quicken® or QuickBooks® financial management software.

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Regulation E Disclosure


On Our Minds


Investment Market Update: Positive Takeaways From 2020



Stop Ransomware Before It Stops You!



Economic Normalization on the Horizon