Get the answers you need.

New customers can sign up online at https://go.charlottestatebank.com/enroll and follow the instructions. 

Yes. Log into Online Banking and go to Accounts and select Add an external transfer account. Add the external bank information and click Submit. Two small deposits will be sent to that account to verify the account information was entered correctly.

Log into Online Banking and go to Accounts and select Add an external transfer account. Add the external bank information and click Submit. Two small deposits will be sent to that account to verify the account information was entered correctly. To verify the trial deposits of a new external account, click the button at the bottom of the left hand column then click Settings. Click External transfers, enter the amount of each small deposit and click Confirm. Once confirmed, you can start transferring funds between your Charlotte State Bank & Trust account and your external account.

There is no fee for transferring funds into the bank. There is a $3 Outgoing External Transfer Fee for transferring money to an external account outside of Wauchula State Bank.

Usernames are not; however, passwords are case sensitive.

Simply enter your username and click Log In. Next click on the Forgot? link located under the password area and follow the on-screen instructions. Or, you may contact our Customer Engagement team.

Password Criteria:

• Your password is case sensitive
• Must be between 6 and 25 characters
• Must contain at least 1 letter and 1 number
• May use the following special characters only + _ % @ ! $ * ~
• Must not match or contain your Username
• Must not match one of your previous four passwords
• Must not contain spaces

Yes. To help maintain account security, online banking passwords will expire every 180 days (six months). You will receive a prompt to reset your password ahead of the expiration date. If your password expires before you are able to change it, you will be promoted to change it the next time you log in.

• Must be between 5 and 25 characters
• Must contain at least one letter
• May contain numbers
• May use the following special characters only + _ % @ ! $ * ~

Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable Mobile Banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds internally and/or accounts you have at other financial institutions, view check images, and find the nearest ATM or branch locations. Customers can also make person-to-person payments through the Zelle^® network, or deposit checks directly in your Charlotte State Bank & Trust Mobile Banking App. Some exceptions may apply.

Yes. Mobile Banking is available to the company’s Master Users as well as all Sub-users.

If you are an iPhone or Android user, go to the App Store or Google Play and search for CSBT Bank Go to download the Mobile Banking application. Or, for your convenience, you can click on the respective icon below to quickly locate the app.

There is no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

In most computer-based web browsers, to open menus used to clear your cache, cookies, and history, press Ctrl-Shift-Delete (Windows) or Command-Shift-Delete (Mac). If shortcut key doesn't work, please follow the appropriate instructions on our Clearing Your Cache page.

When clearing your cache, the full history of the following items should be cleared:

• Browsing history
• Cookies and other site data
• Cached images and files

Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, Username and Password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no personal information or account data is ever stored on your phone once a Mobile Banking or Mobile Application session has ended. And in the event your phone is lost or stolen, contact us to have the service immediately disabled.

For your  security and the protection of our data, please use one of the following:

Mobile Operating Systems

Effective November 1, 2021 our mobile applications will no longer support iOS versions 13.0 and under.

Effective November 1, 2021 our mobile applications will no longer support Android versions 6.0 and under.

Browsers

Microsoft Edge will be supported at the latest version only. Our Online Banking may deny access to older Microsoft Edge versions 60 days after a new version is released.

 Mozilla Firefox

Firefox should automatically update. If Firefox is two versions older than the current stable channel version,, our online banking may deny it access.

Online Statements are the electronic version of the paper statements you receive periodically for your checking and savings accounts. They include the same information that is included in your paper statement, such as canceled check images, legal notices, and the back page of your statement.

From a Computer:

1. Log in to your Online Banking.
2. Click on the Documents button on the Dashboard.
3. Click Sign Up/Changes and select the accounts to enroll.
4. Read and agree to the disclosure.

You will receive an enrollment confirmation email.

From Your Phone:

1. Open the app and log in.
2. Click on the Documents button on the Dashboard.
3. Click Sign Up/Changes and select the accounts to enroll.
4. Read and agree to the disclosure.

You will receive an enrollment confirmation email.

You can access up to two years of statements via Online Banking.

With Mobile Check Deposit, eligible and enrolled customers can deposit checks through our Mobile Banking app.

Access the iPhone or Android app and click on "Deposit", then follow the on-screen instructions, including endorsement instructions. Please note you must be eligible to use this service.

Some reasons why your check may not be accepted through Mobile Check Deposit are:

• The check has already been submitted
• The type of check is not accepted
• Check is of bad quality (torn, folded, etc)
• Front image is not legible
• Amount entered does not match the amount on the check
• Routing and account numbers are unclear
• Image is too dark or blurry
• Lack of proper signature and/or endorsement

The bank does not charge a fee for Mobile Check Deposit. Standard data fees from your mobile provider apply. Per item fees may apply for commercial mobile check deposit customers.

It is recommended that you keep the original checks for 7 days. Store the checks in a secure location, and do not attempt to redeposit them. The Bank may request the original check. After 7 days, we recommend that you safely destroy the deposited checks.

You can pay almost any person or company you would normally mail a check to as long as it is payable in the United States. We recommend that payments to government agencies, such as your property taxes, etc. not be paid via Bill Pay.

There is no charge to send money or receive a P2P payment. We offer Person-to-Person (P2P) payments directly in your Charlotte State Bank & Trust Mobile Banking App and Online Banking through the Zelle^® network.

Account numbers and other personal information does not need to be shared to use Zelle. You only need the recipient’s U.S. mobile number or email. Money is sent  directly to the recipient's bank account. 

For your security, we limit the amount of money you can send through Zelle.

The maximum weekly send limit for Zelle transactions is $750. This means you can send up to $750 per week in several transactions or one transaction, as long as that one transaction does not exceed $750.

The maximum amount you can send through Zelle each month is $3,000.

Please note that Zelle transfers are considered part of your overall debit card daily limit of $2,500 in point-of-sale transactions.

You can use Zelle to send money to almost anyone with an eligible U.S.-based bank account. Please check with the recipient to ensure their correct email address or U.S. mobile phone number.

Please note: Zelle does not currently support debit cards linked to accounts based in a U.S. Territory. U.S. Territories include American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands.

Zelle is intended for sending money to family, friends, and others you know and trust. We recommend that you not use Zelle to send money to anyone you don't know.

Before beginning, you will want to remove your account from the Zelle-branded app if you have set it up, and delete that app.

Please follow theses steps to ensure smooth enrollment:

1. Log into Online Banking or the Mobile Banking App.
2. Click Send Money with Zelle® 
3. Click Get started.
4. Read the Terms & conditions. Click Accept & continue. Follow the prompts to complete enrollment, using information (phone number/email, etc.) that matches the information from your bank profile. 

Please note: We are not able to enroll business debit cards, credit cards, cards linked to international accounts, gift cards or pre-paid cards from financial institutions outside of the Zelle Network. 

Follow these steps to send money with Zelle:

1. Log into Online Banking or the Mobile App and go to Send money with Zelle®.
2. To add a recipient, click the + icon at the upper right of your screen and enter your recipient’s name and U.S. mobile number or email. Once you have sent funds to a recipient, they will be listed in Zelle and for future payments, you can select their name. Click Add and Continue.
3. Enter the amount you want to send. Carefully review the details of your payment before you send it.  You cannot cancel a sent transaction unless the recipient is not yet enrolled in Zelle. 
4. Once the money is sent, you'll receive a confirmation. You can now click Done.
5. Your recipient will receive an email or text message with the details of your payment and instructions on how to enroll to receive the money if they are not enrolled in Zelle. If the recipient doesn’t enroll within 14 days, the payment will expire, and the funds will be returned to your account.
   

A payment can be canceled only if the recipient hasn’t yet enrolled with Zelle. To cancel a transaction, log into Online Banking or the Mobile Banking App, go to  your activity page within the Zelle experience, choose the payment you want to cancel, and then select Cancel This Payment. 

Automated Telephone Banking is a 24-hour service that you can use to:

• check account balances,
• transfer funds internally,
• make loan payments,
• place a stop payment see if a specific check has cleared, and more!

The telephone number to access this service is:
800-407-6791

When logging in for the first time, you will use your account number and your social security number and a one-time passcode that you can receive either via SMS text message or email. If you do not have a social security number, please contact us for assistance when logging in the first time. 

Yes. We offer loans for business owners with fast and local decisions.

Visit our Business Loans page for more information on the loan that best fits your business needs.

We provide commercial financing for real estate, lines of credit, expansion expenses, and more!

Visit our Business Loans page for more information on the loan that best fits your business needs.

No. We can complete a prequalification to determine the loan amount and product that best suits your needs.

Yes. We offer an online mortgage application or you can visit the location most convenient to you.

Yes. We offer a wide variety of loan options to best fit your lifestyle. 

Visit our Home Mortgages page for more information on the types of loans we offer. 

No. We do not require either. We are glad to work with applicants that are new to Charlotte State Bank & Trust.

If your property taxes are escrowed on your loan, you may still receive a statement from the county tax collector, but we will automatically pay this for you each year from your escrow account. Please contact us if you have questions or are not sure if your taxes are escrowed.

If your property taxes or your homeowner’s insurance are escrowed on your loan, it is possible that one of those payments increased and your monthly loan payment was adjusted to cover the additional cost. If you have an Adjustable-Rate Loan, it is also possible that your interest rate changed, causing an increase in your payment amount. Feel free to contact us for additional information.

If you finance more than 80 percent of the appraised value of your home, mortgage insurance may be required and added to your monthly payment amount.

We do not require a home inspection, but you may choose to have an inspection on the property you want to purchase.

Yes. If we order an appraisal to determine a property’s value, we will promptly give you a copy of the appraisal even if your loan does not close.

Yes. We lend for new and used vehicles, as well as for boats and motor homes.

Yes, based on the equity that you have in your home. You can apply for a Home Equity Line of Credit online or visit one of our locations for assistance.

Start your HELOC application online today!

Checklist of Required Documents
and HELOC Disclosures

$600 and/or four withdrawals per day.

Please contact us immediately if you believe your card and/or PIN has been lost or stolen, or if you believe that an unauthorized transaction has occurred.

888-624-5454

Personal Debit Cards
Withdrawal Limit: $600
Point of Sale Limit: $2,500
Transaction Limit: 20

Business Debit Cards
Withdrawal Limit: $600
Point of Sale Limit: $5,000
Transaction Limit: 20

Yes, you may use your card outside the United States. We do, however, recommend that you contact us whenever you are traveling and using your debit card, whether within or outside of the country, so we can update our fraud department with that information.

Please contact us immediately if you believe your card and/or PIN has been lost or stolen, or if you believe that an unauthorized transaction has occurred.

The gas station does not know how much gas you intend to purchase when you first use your card to pay at the pump. They estimate an amount, and then make an authorization request for this to ensure that you have that much in your account before they let you pump gas. The actual amount on your receipt is what will be debited from your account.

Yes. Please call us at 888-624-5454.

View a complete list of our locations and hours on our Locations page.

We are closed on the following U.S. federal holidays:

• New Year’s Day, January 1*
• Martin Luther King, Jr., Day, third Monday of January
• Presidents Day, third Monday of February
• Memorial Day, last Monday of May
• Juneteenth, June 19*
• Independence Day, July 4*
• Labor Day, first Monday of September
• Columbus Day, second Monday of October
• Veterans Day, November 11*
• Thanksgiving Day, fourth Thursday of November
• Christmas Day, December 25*

*When the holiday falls on a Sunday, it is usually observed on the following Monday.

ATM Deposits (where applicable):
4 p.m.

Wires:
4 p.m. Outgoing Domestic and International Wires
4 p.m. Incoming Wires

Mobile Check Deposit:
5 p.m.

Bill Pay:
4 p.m. Bill Payment (electronic and check)

Cash Management:
4 p.m. ACH Origination
11 a.m. (midday) Business Express Deposit
4 p.m. (end of day) Business Express Deposit
5 p.m. Positive Pay

We provide a variety of safe deposit box sizes for the protection of your valuable papers, heirlooms, or jewelry. Safe deposit box sizes and availability vary by location. Please check with the office convenient for you for availability.

All boxes are 21 inches deep. Box rentals require a deposit account with an automatic debit of the annual fee. Safe-deposit box contents are not FDIC insured.

For our customers that need to pay a bill or send funds for amounts over $500, cashier's checks are available. There is a $5 service charge per cashier's check.

We are pleased to offer our customers wire transfer services. There are fees associated with incoming and outgoing wires. Please contact us for current fees.

Visit our Wires page for wiring instructions and wire sending/receiving information.

Do you have documents that need to be notarized? Bring them to us, unsigned, and we will gladly notarize your signature. This service is free for our customers. Please call the office prior to your arrival to ensure availability.

Please bring a photo ID with you. State laws require us to verify your identification, even if we know you.

We are unable to notarize the following documents: wills, trusts, durable power of attorney, warranty deeds, quit claim deeds, or any certified copies such as birth certificates.

Make deposits after hours at our secure night-deposit drop box. Deposits will be processed the following business morning.

Contents of the night-deposit drop box will only be accessed once in the morning. Drops made after 8 a.m. will be processed on the next business day.

Life happens! We understand that from time to time you may unexpectedly overdraft your account. Overdraft coverage can help. Consider these ways to cover overdrafts:

• Overdraft Protection: With this service, funds are transferred from your savings to your checking account when there is not enough money in your checking account to cover your transaction. Fees may apply.
• Overdraft Privilege: You can overdraw your account up to the disclosed limit for a fee in order to pay for the transaction. Even if you have Overdraft Protection, Overdraft Privilege is available as secondary coverage if the other protection is exhausted.
• Extended Coverage: You may consent for the Extended Coverage so that ATM or everyday debit card transactions will be included in your program. View our Extended Overdraft Coverage page for more information.