Charlotte State Bank & Trust offers you a variety of accounts no matter what your needs are. We offer simple accounts to manage your income and expenses as well as more complete accounts with a variety of additional services – each with the personal service you’d expect from your Hometown Bank.
|eCHECKING||Hometown Checking||Personal Checking Plus|
|Minimum Opening Balance||$50||$50||$100|
|Balance Requirements||None||None||$1,000 minimum daily balance required to avoid monthly service and per item fees|
|Monthly Service Fee||None||$5||$8|
|Per Item Debit Fee||None||None||$0.30|
|Interest Earned||None||None||Compounded daily and credited monthly|
|Monthly Statements||Online||Mailed or Online||Mailed or Online|
|Debit Card Text Alerts1||FREE||FREE||FREE|
|Online Banking||FREE, Required||FREE||FREE|
|Check Images||Available online and upon request||Available online and upon request||Included with monthly statement|
|Mobile Banking3||Available and FREE||Available and FREE||Available and FREE|
|Mobile Check Deposit4||Available and FREE||Available and FREE||Available and FREE|
|Apple Pay5||Available and FREE||Available and FREE||Available and FREE|
|Qualifications to open6||Must be 16 years of age7||Must be 18 years of age||Must be 18 years of age|
Other available services include: Money Orders, Cashier’s Checks, Unlimited Check Writing, checks available to order – ask for current pricing, photocopies, and Free Notary Service.
VISA® Check Card
Every checking account may qualify for a free VISA® Check Card. Use it to access your checking funds at thousands of locations worldwide, wherever VISA® is accepted.
Use the VISA® Check Card as you would a credit card and the funds will be automatically deducted from your checking account. You have the option of either entering your PIN - or for added security, signing for the debit similar to a credit card.
Debit Card Text Alerts
Protect your account by signing up for free Debit Card Text Alerts. You'll be notified whenever a transaction is made using your debit card. Click here for more information.
Lost or stolen VISA® Check Card? Please call us immediately at (941) 624-5400 or after business hours at 1 (800) 236-2442.
1Standard wireless carrier charges may apply. Check with your wireless carrier for details
2Parent or guardian required to establish for minors aged 16 - 17.
3Mobile App required. Cell phone provider may charge additional fees for web browsing and/or text messages. In order to use Mobile Banking Web Banking, the browser on your mobile device must be capable of storing cookies.
4Subject to eligibility. Deposits are subject to verification. Deposit limits and other restrictions apply. Must have the Mobile App downloaded to your smart phone. Must retain check for seven days prior to destroying it. Check images will not be available online, for copies contact Customer Service.
5Requires VISA Check Card, Payments must be made with iPhone 6, 6 Plus and later, Apple Watch, iPad Pro or iPad Mini 3 and later.
6Some restrictions may apply.
7Minors aged 16 and 17 require a joint account with parent or guardian.