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.

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.


Charlotte State Bank & Trust’s online banking and bill pay provide you with benefits such as:

  • Enhanced login security: Safely log in every time you access your account.
  • Site customization: Personalize the site to your needs.
  • Budgeting: Create a financial plan that meets your goals.
  • Savings goals: Track your goals and monitor your daily spending.

Get Started Today

Charlotte State Bank & Trust does not charge for basic Online Banking and/or Retail Bill Pay. Please note, internet service provider fees and other standard wireless carrier charges may apply.

P2P has a $1 per transaction service fee.

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

Ready to pay your bills online?

Save time to do more of the things you love. Use our easy-to-use, free bill pay service to securely pay your bills online, making writing and mailing checks a thing of the past.

Watch the Tutorial on How to Pay Your Bills Online