Driving Growth In Charlotte

Carter Bank & Trust is investing time and talent in Charlotte and the surrounding areas of Lake Norman and Mooresville. We offer custom financial solutions for individuals and businesses with localized decision-making and a proud tradition of caring for our communities. We look forward to forging valuable relationships and delivering the tradition of care we’re known for as we grow our presence in Charlotte.

Charlotte Location

To plan a visit, learn more about branch banking hours and operations, and for personal assistance, contact a Carter Bank & Trust representative at a location near you.

500 East Morehead Street

Charlotte, NC 28203

East Morehead

(980)-301-0200

500 East Morehead Street

Charlotte, NC 28203

Monday - Friday 9AM - 5PM

Saturday - Sunday Closed

Monday - Thursday 8:30AM - 5PM

Friday 8:30AM - 6PM

Saturday - Sunday Closed

Bold Innovation

Products & Services

Products & Services

LIFETIME FREE CHECKING

Since 1974 we’ve provided convenience-minded FREE personal and business checking accounts. Everyone needs a checking account, but no one needs the hassle of minimum requirements or added fees.

CARTER ON THE GO

Our FREE online and mobile banking service allows you to be in control of your accounts anywhere and anytime. This service is private and secure to keep what’s yours protected.

LOAN SERVICES

We are proud to provide you with options to assist with your borrowing needs. Whether it’s personal, home, auto, business, or something else, Carter Bank & Trust has solutions. Contact your local branch to get started.

BILL PAY

Pay or schedule your bills directly from home, work, or through your mobile device or desktop. All transactions are securely protected to help you take care of your finances while “on the go”.

ATM LOCATOR

With MoneyPass®, we’ve taken the hassle out of finding an ATM. You have access to 34,000 ATMs nationwide to keep you going without worrying about where you can get your money.

INDIVIDUAL RETIREMENT ACCOUNT

We offer the most common types of IRAs, Traditional and Roth, depending on your age, income, and financial goals. The sooner you start saving, the more time you will have for your money to grow.

BUSINESS LENDING

We offer a variety of business lending solutions to fit the needs of a growing market. Our Charlotte Commercial team specializes in small business, commercial real estate, and commercial and industrial lending for a wide range of industries.

TREASURY SERVICES

Your business’s financial performance is tied to your ability to manage cash flow and the relationship you have with your commercial banker. Our treasury services give you the tools you need to make informed decisions and manage your cash flow more efficiently.

MERCHANT SERVICES

In partnership with Elavon, Inc., we can help your business process transactions in a secure way that is fully integrated with our banking systems.

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CARE Forward Partner

Sustain Charlotte

Support a Local Cause

Sustain Charlotte is a community-based nonprofit organization advocating for smart growth
solutions to Charlotte’s sustainability challenges. We inspire choices that lead to a healthy,
equitable and vibrant community for generations to come.

View all the non-profit organizations that Carter Bank & Trust supports.

Tradition of Care

Who We Are

Since 1974, Carter Bank & Trust has been a pillar of the communities we serve. From our humble beginnings, with one branch and eight employees, to today, with branches throughout Virginia and North Carolina, $4.1 billion in assets and modern banking conveniences and solutions, we are constantly evolving.

We pride ourselves on being not just a bank, but a member of the Charlotte community. We advocate for community engagement and economic development, with a focus on growth through long lasting customer relationships and building communities.

Your Local Carter Bank & Trust Leadership Team

Michael Gander, Commerical Market Manager

(704) 658-8130 Michael.Gander@CBTCares.com

Mark Ricketson, SVP, Charlotte Market Executive

(980) 301-0208 Michael.Ricketson@CBTCares.com

Zac Snyder, Regional Executive, CCIM

(980) 301-0206 Zac.Snyder@CBTCares.com

Nicole Holcomb, VP, Branch Manager

(803) 207-4072 nicole.holcomb@CBTCares.com

Chad Wright, Commercial Real Estate Banker, SVP

(980) 301-0210 chad.wright@cbtcares.com