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Checking Options

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
VISA® CheckCard FREE FREE FREE
MobiMoneyTM1 FREE FREE FREE
Online Banking FREE, Required FREE FREE
Bill Pay FREE2 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.

Lost or stolen VISA® Check Card? Please call us immediately at 941-624-5400 or after business hours at 1-866-664-9364.

1MobiMoney app required. Offers usage alerts and other card-control features. Standard 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.