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.
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.
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!Check It Out
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.Take a Spin
Setting up direct deposit? Starting to make online payments? Get the information you need.Learn More
Get answers to the questions that are most frequently asked by Charlotte State Bank & Trust customers.Get Answers
Banking online is easy. Start learning how to do it by watching helpful videos.Watch Tutorials
Learn about the steps you can take to make your computer and personal information more secure.Learn More
Retirement planning is a combination of cash flow planning, income tax planning, investment planning, estate planning, distribution planning and lifestyle planning. In other words, you need to have a plan to retire, no matter your circumstances.Learn More
Welcome to the Roaring ’20s
The S&P 500 Index gained 8.1% for the second quarter and 14.4% year-to-date despite concerns over Federal Reserve policy, fiscal spending and the spreading delta variant of COVID. Most investors see an improving economy with continued low interest rates being positive for corporate earnings. Small cap stocks, which are mostly leveraged to an improving domestic economy, are leading the market higher. The best performing sectors were energy, financial, healthcare, and materials as value and cyclical companies are perceived to have more inflation-induced pricing power. The reflationary and cyclical trade into financials, industrials, basic materials, and travel-related companies is beginning to wane, however, as earnings expectations are set astronomically high. This will make the second-quarter earnings period more challenging for those companies that miss high expectations. In addition, most commodity prices appear to have peaked. Growth stocks, particularly large cap technology stocks that are known for more consistent earnings, are coming back into favor as interest rates remain lower for longer.Learn More
Before you start driving around neighborhoods looking at For-Sale signs or going online to search houses for sale, you should get your personal finances in order. That means tracking your living expenses and creating a strict budget, which will be invaluable in finding a home you can afford.Learn More
Get valuable insight and helpful advice from financial experts.Read the Blog