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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Security Resources

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

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Blog

The Shying Away from ESG

Today's chart is from Bloomberg Intelligence, which shows the money flows into ESG (Environmental, Social, and Governance) ETFs since they appeared in 2015.

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No More Heydays for Hedge Funds

People may ask, “Why not use hedge funds?” Today's chart comes from Bloomberg and shows us the reason why.  In addition to their typical expense ratio of 2% and 20% of gains above a benchmark, hedge funds have consistently under performed the stock market, denoted by the S&P 500 index, every year since 2014. In fact, they haven’t performed well since their heydays in the 1980s, and even less so since 2007.

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S&P 500 vs. Average Investor

Today's chart comes from OneDigital and shows that the average return for 20-years ending in 2015 was 8.2% for the S&P 500, while the average investor only earned 2.1%. The hypothesis is: Too many investors stop investing when the market is down and/or try to time the market.

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Get valuable insight and helpful advice from financial experts.

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