Are You Prepared? Get expert advice to help ensure and protect your financial legacy at our free educational seminars.

Pay Your Way

Save time with our many options.

Swiping. Scanning. Clicking. From buying gas to dining out to paying bills, Charlotte State Bank & Trust offers payment options for anything you need. Making everyday purchases through the bank you trust has never been easier.


Explore ways to pay.


Visa® Debit Card

Get in and get out with the Charlotte State Bank & Trust Visa® Debit Card. It’s the hassle-free way to pay without cash or checks.

  • Pay for purchases wherever Visa® is accepted
  • Safer than carrying cash
  • More convenient than checks
  • Get cash and transfer funds at all Charlotte State Bank & Trust and Publix Presto ATM locations
  • Use it with Apple Pay® or Samsung Pay to make purchasing even more convenient

Learn More


Apple Pay®1

The easy, secure, and private way to pay. With a single snap with your iPhone, you can use Apple Pay to make purchases at retailers and within apps. All you need is an Apple Pay-compatible device to pay without swiping your card or entering card information online.

  • Make payments easily and securely
  • Pay with a single touch
  • Keep track of transactions via your device

Hundreds of thousands of locations already accept Apple Pay, and the number is increasing rapidly. To see a current listing of participating stores and merchants, please visit Apple's website.

Learn how to set up and use Apple Pay.

Start using Apple Pay with your Charlotte State Bank & Trust Visa® Debit Card today!



Samsung Pay2

Enjoy the benefits of your Charlotte State Bank & Trust Visa® Debit Card with Samsung Pay. It's easy, secure, and private. Samsung Pay works in-store, in-app and online. 

Each Samsung Pay transaction uses a unique digital identifier instead of your card number, so your card details are never shared. Fingerprint or PIN authorization means you control when each payment is made. 


Online Bill Pay

Life is demanding enough without spending hours writing and mailing checks. Pay your bills securely online instead.

  • Save time and postage
  • Pay a person or business online without writing a check
  • Schedule multiple payments from a single screen
  • Access bill payment status and history
  • Receive and pay electronic bills (e-bills) from many companies

Learn More


Person-to-Person (P2P) Payments with Zelle®3

You can make Person-to-Person Payments directly in your Charlotte State Bank & Trust Mobile Banking App or Online Banking through the Zelle® network.

  • Free
  • Fast, safe and easy
  • Send money to people you trust, regardless of where they bank
  • Send money directly between almost any checking or savings accounts in the U.S.
  • Transactions typically occur within minutes
  • Email address or U.S. mobile phone number is all that is needed to send, request or receive money

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.

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

*Reciprocal 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.

1Available for use with smartphones. Some restrictions may apply.

2Available for use only with select devices. Standard wireless charges may apply. Check with your wireless carrier for details. For the Galaxy S6, S6 edge, S6 edge+ and Note5, Samsung Pay will be automatically installed through a software update. Going forward, compatible phones will have Samsung Pay preloaded when purchased.

3U.S. checking or savings account required to use Zelle. Transactions between enrolled consumers typically occur in minutes and there is no fee to send, request, or receive money using Zelle.