PPP Loan Forgiveness 

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Frequently Asked Questions

Get the answers you need.

Charlotte State Bank & Trust is committed to providing exceptional service. Follow the links below to quickly find answers to the questions our customers ask most frequently. If you don’t find what you need here, please contact us by the method that is most convenient for you. We will reply as promptly as possible.

Online & Mobile Banking

How do I sign up for Online Banking?

You can sign up online at https://my.charlottestatebank.com/. From the login area, select "Register" and follow the instructions. 

Is it possible to transfer funds from one bank to another?

Yes. Log into Online Banking and go to Settings > Accounts and select Link an External Account. Add the external bank information and click Save. Please read the onscreen information for additional instructions.

How do I set up an External Account?

Log into Online Banking and go to Settings > Accounts and select Link an External Account. Add the external bank information and click Save. Trial deposits and a withdrawal will be sent to your external account. To verify the trial deposits of a new external account, go to the Dashboard page in Online Banking and click Confirm on the notification. Once confirmed, you can start transferring funds between your Charlotte State Bank & Trust account and your external account.

What are the fees for an external transfer?

There is no fee for transferring funds into the bank through online and mobile banking. There is a $3 fee for transferring money to an external account outside of Charlotte State Bank & Trust.

Why do I see security questions when I log into Online or Mobile Banking?

You are asked security questions when you log in using an unfamiliar device or when you incorrectly enter your username.

If I get a temporary password, how long do I have to change it?

Your temporary password is good for 24 hours and must be changed in that time.

Is my Username or Password case sensitive?

Usernames are not; however, passwords are case sensitive.

How do I reset my Password?

Simply enter your username and click Log In. Next click on the Forgot Password link located next to the password area and follow the on-screen instructions. Or, you may call Customer Engagement at 888-624-5454. Your password is case sensitive, must be at least 8 characters long, contain at least 1 numeric, 1 uppercase letter and 1 lower-case letter.

What is Mobile Banking?

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 between your Charlotte State Bank & Trust accounts and/or accounts you have at other financial institutions, view check images, and find the nearest ATM or branch locations. Customers can also deposit checks via mobile banking. Some exceptions may apply.

Is Mobile Banking available for businesses?

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

How do I install the downloadable application?

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

apple app store badge google play badge

How much does this service cost?

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.

Is Mobile Banking secure?

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 Web banking or Mobile Application session has ended. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or by calling Customer Engagement at 888-624-5454 during regular business hours.

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Is there a fee to send or receive money from person to person?

There is a $1 fee to send money from person to person. There is no fee for payments received through person-to-person transfers.

Do I have to share my bank account number or other personal information to send money?

Neither you nor the recipient has to share any personal information.

Is there a maximum limit to how much money I can send at once?

Yes, there is a limit of $1,000 per day. Person-to-person transfers will be considered part of your overall daily limit of $2,500 in point-of-sale transactions using your card.

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Online Statements

What are online statements?

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

How do I enroll in Online Statements?

Once logged in to your online banking, select the eDocuments Widget, click on the Subscribe button on the right. You will be prompted to accept the disclosure and also make sure you are able to open PDF documents.

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Mobile Check Deposit

What is Mobile Check Deposit?

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

How do I start using Mobile Deposit Capture?

Access the iPhone or Android app and click on 'Deposit Check.’ Please note you must be eligible to use this service.

Why am I unable to deposit my check?

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

Is there a fee to use Mobile Deposit?

The bank does not currently 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.

What do I do with my checks after I make a deposit?

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.

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Bill Pay

How do I enroll for Bill Pay?

To pay your bills online:

  • Log in to Online Banking
  • Select ‘Bill Pay” widget
  • Review Fees and Terms of Use (there is no fee to use the Bill Pay service)
  • Check the box “I Agree” and click Continue
  • You will then be ready to set up payees and pay bills online

Who can I pay through Bill 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.

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Debit Card

What is the daily withdrawal limit at the ATM?

$600 and/or four withdrawals per day.

How do I report a lost or stolen Visa® Debit Card?

You may report a missing card by calling us at 888-624-5454 during business hours. We will assist you with canceling your card. If it is after business hours, please call 866-664-9364. Or, call 24-Hour Automated Telephone Banking at 941-627-3987 and follow the prompts.

What are the transaction limits for a Visa® Debit Card?

Personal Debit Cards:
$2,500 per day
ATM Withdrawal or Cash Advance:  $600 per day

Business Debit Cards:
$5,000 per day
ATM Withdrawal or Cash Advance: $600 per day

Can I use my Visa® Debit Card outside the United States?

Yes, you may use your card outside the United States. We do, however, recommend that you contact us at 888-624-5454 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.

What happens if an unauthorized debit or charge appears on my account?

If an unexpected transaction appears on your account, contact Charlotte State Bank & Trust immediately at 888-624-5454 or stop by any Charlotte State Bank & Trust office. 

Where can I find surcharge-free ATMs in my area?

Each of our branch locations has a drive-thru ATM. You may also use your Charlotte State Bank & Trust Visa Debit Card without incurring a foreign ATM withdrawal fee at:

  • Publix Presto ATMs
  • Crews family banks, which include Wauchula State Bank, Crews Bank & Trust, and Englewood Bank & Trust

Why is the gas station charging me a larger dollar amount than I am pumping?

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.

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How do I enroll for Debit Card Alerts?

Debit Card Alerts are set up through MobiMoney. Download the App from either the App Store or Google Play. Then follow the instructions presented in the User’s Guide. Or, if you need further assistance, we’re happy to help. Call a Customer Engagement Representative at 888-624-5454.

What if I have multiple cards? How can I get set up?

If you have multiple cards on your account, each user will have to separately register their card through MobiMoney. Each user will be able to establish their individual alert preferences and other controls. When receiving notices, the last four digits of the card will appear in the alert so you know to which card it belongs.

Where can I find the MobiMoney FAQs Guide?

Where can I find the MobiMoney User’s Guide?

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Our Hours

What are your lobby and drive-thru hours?

Click here for a complete list of our locations and hours.

What are your daily cut-off times?

4 p.m. - Outgoing domestic and international wires
4 p.m. - Incoming wires     

Mobile Check Deposit: 
5 p.m. 

Cash Management: 
12 noon. ACH Origination
11 a.m. (early) Business Express Deposit
4 p.m. (end of day) Business Express Deposit

What are your bank holidays?

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.

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Home Mortgage Loans

Do you offer fixed- and adjustable-rate real estate mortgages?

Yes. Click here for more information.

Can I have my loan payment automatically debited from my checking account?

Yes. Talk with one of our lenders to learn more about your payment options

Can I apply online?

Charlotte State Bank & Trust is a community bank that believes in personalized service. Instead of applying online, we want you to talk to a real person who can listen to your individual needs. 

Our local lenders are committed to providing the expert advice and personal service you deserve. However, for your convenience, a mortgage loan application is available online to help get you started.

Do you require a minimum credit score to apply for a loan?

Your credit history carries a lot of weight when underwriting a loan. We analyze your entire credit history as part of our credit decision. We offer options for those with less-than-perfect credit.

If I am purchasing a new home, do I need to have a contract before applying for a loan?

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

Do I need to have a checking or savings account at Charlotte State Bank & Trust in order to apply for a mortgage loan?

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

I received a bill for my property taxes but I thought this was included in my monthly loan payment?

If your property taxes are escrowed on your loan, you may still receive a statement from the county tax collector, but Charlotte State Bank & Trust 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.

I received my monthly billing notice and my payment has increased. Why did it go up?

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.

Do you require that I have mortgage insurance on my loan?

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.

Is a home inspection required for a new home purchase?

Charlotte State Bank & Trust does not require a home inspection but you may choose to have an inspection on the property you want to purchase.

Will I receive a copy of my appraisal?

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.

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Business Loans

Do you make business loans?

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

What kinds of loans do you make?

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

How long before I know if I am approved?

While the actual timing varies according to the type of loan for which you are applying, our experienced lenders strive to make the process as quick and easy as possible.

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Consumer Loans

Do you do debt consolidation loans?

Yes. We will work with you to determine what best meets your individual borrowing needs. 

Do you make automobile loans?

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

Do you offer Home Equity Lines of Credit?

Yes, based on the equity that you have in your home. Our personal bankers can assist you with this type of loan.

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Overdraft Coverage

How does your Overdraft Coverage work?

There are three ways to cover overdrafts:

  1. Establish Overdraft Protection. This service links your checking account to another deposit account you have with us. With this option, overdrafts will be transferred in increments of $100. There is a $3 transfer fee to cover the overdraft. This is your least costly way to cover overdrafts.
  2. Utilize your standard Overdraft Privilege.* This service allows you to overdraft your account up to the disclosed limit for a $35 per overdraft fee in order to pay for the transaction. Even if you have Overdraft Protection, Overdraft Privilege is available as secondary coverage if the other funds are exhausted.
  3. Overdraft Privilege with Extended Coverage builds on Overdraft Privilege by extending the ability to overdraft your account to both withdrawals at an ATM and debit card purchases. Click here for more details.

*An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every 32-day period for a minimum of 24 hours, if you default on any loan or other obligation to Charlotte State Bank & Trust, or if your account is subject to any legal or administrative order or levy.

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Other Services

Do you offer Safe Deposit Boxes?

We provide a variety of safe deposit box sizes for the protection of your valuable papers, heirlooms, or jewelry. Currently, we offer the following sizes of safe deposit boxes. Please check with the office convenient to you for availabilities:

3" by 5" 


 3" by 10"


 5" by 10" 


 10" by 10"


All boxes are 21 inches deep. Box rentals require a deposit account with an automatic debit of the annual fee.    

Are Cashier's Checks available?

For our customers that need to pay a bill or send funds for amounts over $500, Cashier's Checks are available. There is a $6 service charge per Cashier's Check.

Do you offer Wire Transfer Services?

Charlotte State Bank & Trust is pleased to offer Wire Transfer Services to our customers as long as you maintain an account with us. There are fees associated with incoming and outgoing wires. Please contact a personal banker for current fees.

Instructions for the sending party:

Domestic Wire Instructions

(All information listed below must be included in the wire request to ensure credit is applied properly.)

Please wire directly to:

Charlotte State Bank & Trust
1100 Tamiami Trail
Port Charlotte, Florida 33953
ABA/Routing Transit Number: 067013179

Beneficiary to Credit:

Charlotte State Bank & Trust Customer Name:_______________________________

Account Number with Charlotte State Bank & Trust:___________________________

Foreign Wire Instructions:

(All information listed below must be included in the wire request to ensure credit is applied properly.)

Please Wire Directly to: 

Intermediary/Receiving Bank

(This is a financial institution that the wire must pass through before reaching the final beneficiary bank.)

TIB - The Independent Bankers Bank
11701 Luna Road
Farmers Branch, TX 75234
Swift Code: TIBBUS44
ABA/Routing Transit Number: 111010170

Beneficiary Bank:

(This is the financial institution where the beneficiary maintains their account.)

Charlotte State Bank & Trust
1100 Tamiami Trail
Port Charlotte, Florida 33953
ABA/Routing Transit Number: 067013179


(This is the ultimate recipient of the wire transfer funds.)

Charlotte State Bank & Trust Customer Name:_______________________________

Charlotte State Bank & Trust Customer Address: _____________________________

Account Number with Charlotte State Bank & Trust:___________________________

Questions? Please feel free to call the Charlotte State Bank & Trust Wire Department at 941-235-5106 to verify wire instructions.

Do you offer Notary Service?

Do you have documents that need your signature to be notarized? Bring them to us, unsigned, and we will gladly notarize your signature. This service is free for our customers; there is a $10-per-notary service fee for non-customers.

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

Regulations do not allow us to notarize the following documents: wills, trusts, durable power of attorney, warranty deeds, quit claim deeds, or any "certified copies" such as birth certificates.

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Automated Telephone Banking

What is Automated Telephone Banking?

Automated Telephone Banking is a 24-hour service that you can use to check account balances, transfer funds among your Charlotte Bank & Trust accounts, make loan payments or to see if a specific check has cleared. The telephone numbers to access this service are: 


How do I enroll in Automated Telephone Banking?

Click here for step-by-step instructions.