Charlotte State Bank

Personal Checking Accounts

Charlotte State Bank offers you a variety of accounts no matter what your needs are. We offer simple accounts to manage your income and expenses as well as more complete accounts with a variety of additional services – each with the personal service you’d expect from your hometown bank including:

eCHECKING
FREE Checking
Sterling Direct Checking
Personal Checking PLUS

Moving your account to Charlotte State Bank?

We welcome you and are eager to assist you. Our easy-to-use Switch Kit can help you through the process. Just print it out and use it as your template to change your account and everything related to it, to Charlotte State Bank. If you need help, our Personal Bankers are more than happy to assist you.

Every Personal Checking Account at Charlotte State Bank

Receives an easy-to-reconcile monthly statement
May qualify for a FREE 24-hour VISA Debit Card, please ask us about it.
Offers FREE on-line banking at www.charlottestatebank.com
Allows you to pay bills FREE through our on-line bill payment service
FREE Notary Service

eCHECKING
For those who are connected to the internet and appreciate it’s fast response and 24/7 availability.

Easy-to-balance monthly e-statement presented days faster than the traditional mailed statement
$50 Minimum opening balance
No minimum or average daily balance required to maintain account
Imaged copies of cancelled checks available upon request
No monthly service fee
No per item fee
FREE Checks
Unlimited check writing

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Free Checking
An exceptional account for those who like their checking account simple and free. While imaged copies of cancelled checks are not mailed monthly, copies of checks that have cleared within the past six months are available at no cost upon request. Older copies are available for a small research fee.

$50 Minimum opening balance
No Monthly service fee
No per item fee
No minimum or average daily balance required to maintain account
Unlimited check writing
Imaged copies of cancelled checks available upon request

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Sterling Direct Checking
Especially designed for those who use Direct Deposit and want the advantages of many FREE services.

$50 Minimum opening balance
No Minimum or average daily balance required to maintain account
Interest compounded daily and credited monthly
No per item fee
Unlimited check writing
FREE copies of imaged checks included with monthly statement
FREE Sterling Direct checks, standard or duplicate
FREE Cashier’s Checks
FREE Traveler’s Checks
FREE Money Orders

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Personal Checking Plus
An excellent account for those who maintain a higher average balance on their account, want imaged copies of their checks, and to earn interest.

$100 Minimum opening balance
$1,000 Minimum daily balance required to avoid monthly service fee and per item fees
Monthly service fee: $8
Per item fee: $0.30
Unlimited check writing
Interest compounded daily and credited monthly
Free copies of imaged checks included with monthly statement

Qualifications
Must be 18 years of age to open a checking account. Some restrictions may apply.
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Have a question or want more information? Our Customer Service Representatives will gladly provide any information you may need, just give them a call at 624-5400 or at 1-888-624-5454.
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