704 Area Code: Charlotte's Number in the Banking Capital of the South

704 is one of the original 1947 area codes and has grown alongside Charlotte's rise to become the second-largest banking center in the United States after New York City.

History & Coverage

704 originally covered a large portion of western North Carolina. As Charlotte's metro area grew rapidly, 980 was added as an overlay in 1998 to keep pace with demand, but 704 remains the city's most established prefix.

Why Businesses Choose 704

• Banking industry prestige: as headquarters to Bank of America and a major regional hub for Wells Fargo, 704 carries deep institutional financial credibility
• Corporate relocation boom: Charlotte has attracted a wave of corporate headquarters relocations over the past decade, reinforcing 704's business relevance
• Motorsports and logistics ties: the Charlotte region is a hub for NASCAR and related motorsports businesses, alongside a growing logistics sector

Key Industries & Neighborhoods

Uptown Charlotte anchors major bank headquarters and corporate offices, while South End and NoDa add a fast-growing tech, creative, and hospitality scene.

Fun Facts

• Charlotte is the second-largest banking center in the US by assets, trailing only New York City
• The Charlotte region is home to the highest concentration of NASCAR teams and motorsports businesses in the country

Conclusion

For banking, corporate, and motorsports-adjacent businesses in the Carolinas, 704 remains the number most tied to Charlotte's financial and corporate prominence.