Driving Growth In Charlotte

Carter Bank 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 representative at a location near you.

500 East Morehead Street

Charlotte, NC 28203

East Morehead


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


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


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.


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.


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”.


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.


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.


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.


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.


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


Tradition of Care

Who We Are

Since 1974, Carter Bank 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, $4.4 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 Leadership Team

Michael Gander, Commerical Market Manager

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

Mark Ricketson, SVP, Charlotte Market Executive

(980) 301-0208 Mark.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

Bill Ingram, SVP, Commercial Relationship Manager

859-912-1486 Bill.Ingram@CBTCares.com