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Convenient Access Banking

Easy options for your banking convenience!

Personal Online Banking

You asked. We listened.

Experience a more intuitive, robust and responsive Online Banking site. We are pleased to introduce the next phase of our online banking enhancements. More enhancements will be introduced in the next several months. Watch for them.

Take a look at the changes that we have just implemented.

You’ll still enjoy the freedom and ability to access your accounts anywhere you have access to the internet to:

  • Access your accounts to check balances, pending transactions and account activity
  • Set up alerts to stay on top of your finances
  • Transfer funds between your Charlotte State Bank & Trust deposit and loan accounts
  • Transfer funds from and to another bank
  • View current and past account statements
  • View images of cleared checks and deposit tickets

Enjoy your freedom with Charlotte State Bank & Trust's Personal Online Banking and Bill Pay!  Customers can access accounts from anywhere 24 hours a day, 7 days a week via the Internet!

Having the ability to monitor your account at any time offers peace of mind like never before! It's fast, it's easy and best of all, it's free!

Enroll in online banking today.

Remember that when you are online, your computer, and therefore your personal information, is continually being targeted. To help avoid your system being compromised, click here for online security tips.

Are you having trouble logging into online banking? It may be your Internet Explorer. You may need to disable TLS 1.0 and enable TLS 1.1 and/or 1.2. For instructions, please click here.

Microsoft is no longer supporting Internet Explorer 10. In order to maintain security of your online banking, please upgrade your internet browser at your earliest convenience. Due of the security risk involved, we will no longer support IE 10. While you will have access to online banking through IE 10, the functionality of it will be impacted.

Mobile Banking

Stay Connected. Stay Informed. Take your account with you everywhere you go.

Mobile phones help us to stay connected in more ways than one. With Charlotte State Bank & Trust's FREE1 Mobile Banking you can do your banking conveniently while on the go. It gives you instant connectivity to your accounts right at your fingertips. When you want account information, Mobile Banking can be the fastest way to stay in touch with your finances. We make it easy for you to securely check your account balances and transactions, transfer funds, or locate our convenient branches and ATMs — anytime, anywhere.

We offer a number of mobile options, including:

Text Banking

 Your account information is never more than a text away with Charlotte State Bank & Trust's FREE1 Text Banking. Simply text one of the commands, like "B" (balance) or “H” (history) to the bank's SMS short code 96865 and you will receive the information momentarily.

Click here to view the list of our Text Banking commands. Convenient wallet-sized cards with Text Banking commands are available upon request at each of our branch locations.

Mobile Web

This FREE1 service lets you access your Charlotte State Bank & Trust accounts from virtually any mobile device with a built-in browser so you can check your account balance, review recent transactions, transfer money between your eligible accounts and even locate the nearest branch or ATM from almost anywhere.2,3

Mobile App

iPhone owners - stay connected while on the go with our FREE1 Mobile iPhone App.

Check your account balance, review recent transactions, transfer money between your eligible accounts and even locate the nearest branch or ATM.2,3 iPhone users may search for Charlotte State Bank & Trust at the iPhone App Store.

Android phone owners - go to the Android Market and search for Charlotte State Bank & Trust for your free download.

Choose one or all three, whatever is right for you.

Ready to enroll for Mobile Banking? It's quick, easy and FREE!

Simply sign up for Mobile Banking through your Charlotte State Bank & Trust’s Online Banking service. Once logged in, select User Services and then choose Mobile Enrollment.

Not enrolled in Charlotte State Bank & Trust Online Banking? Simply click ENROLL PERSONAL or ENROLL BUSINESS from our home page. For more information, view our Frequently Asked Questions and Answers  and go mobile today!

If you have any questions or need assistance, please contact Customer Service at (941) 624-5400, contact us by e-mail at customerservice@csbtfl.com or contact us via secure form!

If your phone is lost or stolen, sign on to Online Banking and disable your phone from Mobile Banking, or call Customer Service at (941) 624-5400 for assistance. If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. For tips how to bank safely on your mobile device read our Mobile Banking Safety Tips.
 

Disclosures

1. Charlotte State Bank & Trust does not charge for Mobile Banking. However, your cell phone provider may charge additional fees for web browsing and/or text messages. In order to use Charlotte State Bank & Trust Mobile Web Banking, the browser on your mobile device must be capable of storing cookies.

2. For Money Market Investment Accounts: Federal law requires that an account holder may make no more than six transfers and/or withdrawals during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks, to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by you and payable to third parties. Transfers and withdrawals made in person, by messenger or at an ATM are unlimited. Regulatory withdrawal service fee: $7 is charged for each item over the regulatory limit.

3. For Savings Accounts: Federal law requires that an account holder may make no more than six transfers and/or withdrawals during any one (1) calendar month or statement cycle (the period from one statement to the next) or similar period of at least four weeks, to another of your accounts with us or to a third party by means of a preauthorized or automatic transfer, or telephonic (including data transmission) agreement, order or instruction, or by check, draft, debit card, or similar order made by you and payable to third parties. Transfers and withdrawals made in person, by messenger or at an ATM are unlimited.

Mobile Check Deposit

     Mobile Check Deposit

              It's a snap! 

Mobile Check Deposit allows you to deposit checks wherever you are using your smart phone.

It's simple - and FREE!  If you haven't already done so, download the Mobile Banking App from either the App Store or Google Play. 

Once set up is complete, click on the "Check Deposit" tab located under the Main Menu. Agree to the terms and conditions.

Tap "Deposit" on the main Check Deposit Screen.

Select the "Front" icon to take a photo of the front of the check.

Endorse the back of the check by signing it and writing "For Mobile Check Deposit" under your signature.

Select the "Back" icon to take a photo of the back of the check, then click OK. You should see a green circle with a checkmark in it at the top of the screen. 

After accepting both images, enter the amount of the deposit and select the account to which you want the check deposited.

You'll receive an email to the email you have on file with Online Banking.

It's that simple!

You may deposit up to $2,500 per day through Mobile Check Deposit. Checks submitted by 3:00 p.m. on a business day, will be deposited by the end of that day. Checks deposited after 3:00 p.m. will be deposited by the end of the following business day. Checks deposited on non-business days, including Saturdays, will be deposited by the end of the following business day.

Please securely retain the check for seven days, then destroy it.

For tips on protecting the security of your mobile device, click here.

Apple Pay

The way you pay for things is changing in new and exciting ways.  Apple PayTM is an easy, secure and private way to pay.

Apple Pay allows you to make purchases at retailers and within Apps, in an easy, secure and confidential way with a single snap with your iPhone.  All you need is an Apple Pay compatible device to make purchases without actually swiping your card or entering card information online.

You'll enjoy all the same benefits of your card, with enhanced convenience and security.  Hundreds of thousands of locations already accept Apple Pay and the number is increasing rapidly.

With Apple PayTM

  • It is an easy and secure way to make payments
  • You can pay with a single touch
  • You can keep track of transactions made via your device

Apple PayTM Compatible Devices:

iPhone (in Apps and in stores)

  • iPhone 6s
  • iPhone 6s Plus
  • iPhone 6
  • iPhone 6 Plus

Apple Watch (in stores)

  • Paired with iPhone 5 or later

iPad (in Apps)

  • iPad Pro
  • iPad Air 2
  • iPad mini 4
  • iPad mini 3

To see a current listing of participating stores and merchants, please visit Apple's website.

To learn how to set up and use Apple PayTM, click here.

Start using Apple PayTM with your Charlotte State Bank & Trust VISA Debit Card today!

Debit Card Text Alerts

When it comes to money these days, it pays to stay alert! Debit Card Text Alerts can act as an early-warning system of possible fraudulent transactions.

When you sign up for Debit Card Text Alerts, you will be notified within moments by text message* of a transaction taking place, making it easy to monitor your accounts. If fraudulent activity ever takes place, you can act quickly to protect yourself and minimize potential fraud.

Types of Text Alerts:

Funds removed: A text alert is sent when a debit transaction is processed using your debit card such as an ATM withdrawal or debit card purchase.

Signature transactions: A text alert is sent when you do not use your PIN for a transaction using your debit card. This occurs when you select the "Credit" option on the terminal or sign a receipt.

Card status change: A text alert will be triggered if the card status is changed, such as activation, temporary suspension, not activated or closed.

Suspected fraud: If activity on your card suggests possible fraud, a text alert will be sent to you.

International transaction: An alert will be triggered when a debit transaction is initiated from somewhere other than the United States.

Contact a Personal Banker at the office most convenient for you to establish this service.

*Standard wireless carrier charges may apply.  Check with your wireless carrier for details.

Online Statements

Online Statements is a FREE service to all checking and savings account customers. Each month, you will receive a notification email that your online statement is ready. Simply log in to Online Banking and click on the Accounts tab. When you're on the "Accounts" page, navigate to the account for which you would like to see a statement. On the far right is an "ACTIONS" drop down box. Then use the drop down to select “View Statement.” When the next screen appears, simply choose the month and year of the statement that you would like to view. It's quick, much faster than mailed statements, and more secure than leaving your printed statements in your mailbox.

Sign up today!

Combined Statements

Have more than one account with Charlotte State Bank & Trust?

Combine your qualified* account statements into one single, concise monthly summary!

Save time and reduce stress by combining your checking, savings and money market account statements into a single document. One monthly statement gives you an up-to-date, convenient summary of your banking activity. Contact one of our Personal Bankers for more details.

*To qualify, each account must have the same signees and primary account holder.

Hometown TouchLine

Hometown TouchLine: 24 Hour Telephone Banking: 627-3987
Out-of-town TouchLine: 800-407-6791

Your telephone connection to your accounts with Charlotte State Bank & Trust gives you immediate access to the information you need most often. You may quickly and easily:

  • Find out the last six transactions on your account
  • Verify deposits
  • Find out about a specific transaction
  • Verify interest paid
  • Transfer funds between your Charlotte State Bank & Trust accounts
  • Verify information about your loan

It's simple, just call Hometown TouchLine and follow the clear, easy-to-understand prompts to obtain the information you want.

To access the appropriate selection, simply press the corresponding number(s) on your touch-tone phone when prompted.