Carolina Trust 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. It focuses on personalized service, access to decision makers, and a response on lending decisions. 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 checking and savings accounts; commercial, installment, mortgage and personal loans; safe deposit boxes, and other associated services. The Bank is a member of the Federal Home Loan Bank of Atlanta. The Bank's loans consist of construction, commercial real estate loans, commercial loans, residential mortgage loans and home equity lines.