Singapore is 13 hours ahead of Charlotte (or 12 hours during EDT). Charlotte uses Eastern Time (ET, UTC-5/-4) while Singapore uses Singapore Standard Time (SGT, UTC+8). When it's 12:00 PM in Charlotte, it's 1:00 AM the next day in Singapore.
Charlotte observes daylight saving time while Singapore does not, so the difference varies between 12 and 13 hours throughout the year.
Best calling time: 7:00 PM - 10:00 PM Charlotte time. This corresponds to 8:00 AM - 11:00 AM the next day in Singapore, catching morning business hours.
Charlotte is a major US banking center, and Singapore is a global financial hub. Bank of America and other Charlotte-based financial institutions have operations in Singapore. The significant time difference requires evening calls from Charlotte.