Convenient Access Banking

Easy options for your banking convenience!

Online & Mobile Banking

Manage your money easily, anytime and anywhere using your computer, laptop, tablet or smart phone with Charlotte State Bank & Trust’s Online and Mobile Banking.

Once enrolled, you can easily make Person-to-Person Payments (P2P) , make mobile check deposits, pay bills online, easily transfer money, establish budgets and set savings goals.

Take a look!

Let’s get started.

Before you can get started using all of the Mobile and Online Banking features, you have to enroll and login either online or through the Charlotte State Bank & Trust App. Here’s how to get started.

Online & Mobile Banking

Online Banking Tutorials

Additional Tutorials

Click the playlist icon Playlist Icon in the upper lefthand corner to view additional videos.


MobiMoney IconMobiMoney* … an exciting new app that puts your smart phone and your account debit cards together to deliver the ability to manage your Charlotte State Bank & Trust VISA ® Check Card in the palm of your hand.

This powerful new app empowers you to:

  • Receive instant notice when your card is used
  • Turn your card on or off
  • Limit the use of your card based on location or merchant
  • Place spending limits on the account

…and much more!

It’s easy to get started. Simply download the MobiMoney app, enter the pertinent information, activate your card and start taking advantage of its beneficial services

Google Play Icon App Store Icon
Google Play QR Code App Store QR Code


Want to learn more? Review our Frequently Asked Questions, User's Guide or give us a call. We’re here to help.

*There is currently no cost for this added service. Standard wireless carrier text charges may apply. Check with your wireless carrier provider for details.

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!

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.

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