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Time Is Money

Save both with online banking.

We know you are always on the go. That’s why we offer safe, secure, and convenient ways to manage your finances with online banking and bill pay. Bank and pay whenever and wherever you want, from any computer, tablet, or smartphone.


Online Banking

Access your accounts from your computer, laptop, tablet, or smartphone to:

  • Check balances, pending transactions, and account activity
  • View images of cleared checks and deposit tickets
  • Set up notifications to stay on top of finances
  • Transfer funds between your Charlotte State Bank & Trust deposit and loan accounts
  • Transfer funds from or to another bank
  • View current and past account statements
  • Budgeting Tools, and more!


Online Bill Pay

Bill Pay lets you:

  • Save time and postage
  • Pay any person or business online without writing checks
  • Schedule multiple payments from a single screen
  • Access bill payment status and history online
  • Receive and pay electronic bills ("e-bills") from many companies
  • Make one-time or recurring bill payments to individuals or companies


Online Statements

  • Online statements look like paper statements, but you can get them faster and find them more easily.


Charlotte State Bank & Trust does not charge for basic Online Banking with Bill Pay. Internet service provider fees and other standard wireless carrier charges may apply.

A fee occurs whenever a stop payment is initiated via online banking.