Carolina Trust Bank (the Bank) is a state-chartered bank. The primary purpose of the Bank is to serve the banking needs of individuals and businesses in Lincoln County and surrounding areas. The Bank is a community-focused financial institution offering a range of financial services to small to medium-sized businesses, professionals and individual consumers in its community. The Bank offers a range of banking services, including deposit services; a range of loan products; safe deposit boxes, and other associated services. The Bank provides a range of deposit services, including non-interest bearing checking accounts, interest bearing checking and savings accounts, money market accounts and certificates of deposit. The Bank also offers negotiable order of withdrawals. It offers various loans, such as real estate loans, including construction loans, residential one- to four-family loans and home equity lines of credit, and other loans, such as commercial loans and loans to individuals.