Founded in 2000, Carolina Trust Bank is a full-service community bank. It provides a full range of banking products to individuals and business clients. The bank provides a variety of personal and business banking products that include certificates of deposit and checking, savings, money market and individual retirement accounts. Its loan products include home improvement, personal, automobile, education, vacation and mortgage loans. In addition, the bank offers 24-hour phone banking and online bill payment options and various investment products, such as annuities and mutual funds. Carolina Trust Bank, headquartered in Lincolnton, N.C., also has offices in West Lincoln, Denver and Vale, N.C.