Regulation CC Funds Availability Change, Effective 7/1/20 
Amounts made available for withdrawal on the 1st business day after checks deposited is increasing from $200 to $225 and $5,000 to $5,525 on large deposits.
For more information, please contact us.

All of our locations will be closed on Saturday, July 4, in celebration of Independence Day.

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Financial Resources

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Charlotte State Bank & Trust is here to help. Whether you are growing a business, buying a home, or planning for your retirement, we offer a variety of products, services, and resources to help you. 

As a community bank, we provide a world of resources with a local touch. If you want to calculate a loan payment, get our routing number to set up a direct deposit for your new job, or just get an answer to a frequently asked question, we’ve got you covered.

Calculators

Explore, solve, and revisit your financial needs and opportunities. Choose a topic below to find the right calculator.

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My Money

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Created by the Florida Department of Financial Services, the My Money Program is a comprehensive and inclusive financial literacy program and resource clearinghouse for individuals with developmental disabilities, their family members, and caregivers.

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Kids’ Club

Kids are better prepared for the future when they learn about money sooner rather than later. Our kid-friendly tools make learning about finances fun!

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Teens Lounge

Talking to teenagers can be hard, especially when it comes to important topics like managing money. Help your teenagers achieve their financial goals through engaging exercises and informational resources.

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Routing Number

Setting up direct deposit? Starting to make online payments? Get the information you need.

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FAQs

Get answers to the questions that are most frequently asked by Charlotte State Bank & Trust customers.

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Online Banking Tutorials

Banking online is easy. Start learning how to do it by watching helpful videos.

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Security Resources

Learn about the steps you can take to make your computer and personal information more secure.

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Blog

Investment Market Update, Q2 2020

The S&P 500 Index showed great resilience to the negative news flow and achieved the best quarterly performance since 1998. Despite media reports about the virus infection rate increases, potential new tariffs on European and Chinese goods, and early Presidential election polls, the market rebounded from the first quarter decline. The S&P 500 Index is still down by 4% year-to-date, but the Nasdaq is up 12.1%. This disparity is the real news for the markets as investors crowd into the digital age/new economy companies while remaining indifferent to the deep value and cyclically-oriented sectors. Apple, Amazon, Alphabet, Microsoft and Facebook were the dominant market leaders while Boeing, Caterpillar, General Electric and General Motors all declined. The information technology sector rose 31% in the first half of the year, basic materials declined 4%, industrials fell 10%, financials dropped 17%, and energy cratered 40%. Small cap and mid-cap indexes underperformed, with declines of 13% each, which indicates investors are wary of the heavy-weightings in deeply cyclical bank, retail and REIT stocks.

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Charlotte County, Florida Real Estate Update - June 2020

Here’s a quick overview of important real estate highlights in our area:

1. Number of Single Family Homes and Condos sold: Our local Realtor association (Realtors of Punta Gorda-Port Charlotte-North Port- DeSoto. Inc.) reports that there were 284 sales in the month of May, in our COVID-19 environment.

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Be safe and prepared this summer

The arrival of hurricane season in the midst of the COVID-19 pandemic requires us all to be doubly vigilant. You’ll be hearing a lot about hurricane preparedness when it comes to protecting yourself and your loved ones in terms of shelter, safety and supplies. Researchers are predicting 19 named storms this year, and FEMA (Federal Emergency Management Agency) has posted some important operational guidelines on its website (fema.gov).

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Get valuable insight and helpful advice from financial experts.

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