PPP Loan Forgiveness 

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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. You also can set it up with Apple Pay to make purchasing even more convenient.

  • 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

Learn More


Apple Pay1

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



Samsung Pay2

Enjoy the benefits of your Charlotte State Bank & Trust Visa® Check 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.  

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.


Online Bill Pay

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

  • 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

Person-to-Person Payments (P2P)

Paying someone is easy with P2P payments. Whether you need to split a bill, pay your babysitter, or tip the movers, P2P allows you to make a payment without sharing your bank account information.

  • Send payments to any personal payee within the United States, including Alaska and Hawaii (but not the U.S. territories).
  • We only need the recipient’s name and email address or mobile number so we can notify the recipient of your payment.
  • No need to exchange bank account numbers or additional personal information.
  • Service fee: $1 per transaction


Manage your Visa® Debit Card from the palm of your hand. This exciting app puts your smartphone and your account card together.

  • Receive instant card usage alerts
  • Turn your card on or off
  • Limit the use of your card based on location or merchant
  • Place spending limits

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Online Statements

Make your life easier. Manage your bank statements safely and securely online without the hassle of paper.

Learn How to Enroll in Online Statements

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.

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.

3MobiMoney app required for smartphones. Offers Visa Debit Card usage alerts and other card-control features. Standard wireless carrier charges may apply. Check with your wireless carrier for details. Available for use with smartphones. Some restrictions may apply.