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Cedar Hill National Bank is a federally chartered commercial bank established in 1998, located in Charlotte, NC, offering traditional banking services with FDIC deposit insurance.
Data compiled from public sources
Cedar Hill National Bank was established on February 2, 1998, and operates as a commercial bank with a national (federal) charter under the supervision of the Office of the Comptroller of the Currency (OCC). The bank maintains its main office at 9401 Southern Pine Boulevard, Suite P in Charlotte, North Carolina 28273, and is a Fed member institution. With total assets of $12,549,000 and FDIC Certificate Number 34478, Cedar Hill is a small regional bank serving the Charlotte market.
The bank offers standard banking services including checking and savings accounts, ATM access, and credit and lending products. They maintain traditional lobby hours Monday through Friday from 10:00 AM to 4:00 PM, with weekend closures. The bank has positioned itself with modern partnerships, including a Coinbase cryptocurrency offering that provides customers the opportunity to earn free cryptocurrency (up to $100 value) through their banking relationship.
Cedar Hill National Bank distinguishes itself as a nationally chartered institution with federal oversight and full FDIC deposit insurance coverage, providing customers with deposit protection up to standard insurance limits. 5 million) indicates it operates as a genuine community-focused lender rather than a large-scale regional or national bank, allowing for potentially more personalized service relationships. As a small commercial bank with minimal online presence and no visible customer reviews on the listing platform, Cedar Hill National Bank appears to serve a localized Charlotte customer base.
The bank's focus on traditional banking services, combined with emerging offerings like cryptocurrency partnerships, suggests an attempt to modernize its product offerings. However, the lack of detailed information about specific loan products, interest rates, or fee structures limits transparency for prospective customers researching the institution.
This is state-level context for Banks consumers in Charlotte, NC. It does not confirm that Cedar Hill National Bank or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cedar Hill National Bank offers 9 services including FDIC-insured deposit accounts, Checking accounts, Savings accounts, ATM access, Credit products, and 4 more.
Cedar Hill National Bank has profile signals associated with Charlotte-area residents seeking traditional banking with local branch access, Customers prioritizing FDIC-insured deposits at a smaller, community-focused institution, Business owners or individuals interested in cryptocurrency offerings alongside traditional banking.
Key strengths: FDIC deposit insurance with Certificate Number 34478 provides full deposit protection; Federally chartered bank supervised by OCC ensures regulatory oversight and stability; Traditional brick-and-mortar location with consistent weekday lobby hours (10 AM - 4 PM). Areas to consider: Extremely small total assets ($12.5 million) suggests limited lending capacity and product breadth; Limited online presence with minimal information about specific products, rates, or terms.
In the Banks category, comparable providers include American Bank of the Carolinas, Skyla Headquarters, United Community Loan Office. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Cedar Hill National Bank is best suited for Charlotte-area customers who value FDIC-insured deposits and prefer doing business at a small, locally-based institution. The primary caveat is the bank's extremely limited asset base and minimal online transparency, which restricts the range of available products and makes it difficult for prospective customers to evaluate specific rates, fees, and lending terms before visiting in person.
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Skyla Credit Union is a full-service financial institution offering checking, savings, loans, credit cards, and business banking with digital-first services and fraud protection.
Google rating from 249 reviews
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Google rating from 1 review
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