Caring for Charlottesville

A great place to bank in a great place to live. Since 2005, Carter Bank & Trust has had the privilege of providing the Charlottesville community with personalized services and industry-leading security while offering modern conveniences. At every Charlottesville Carter Bank & Trust branch, we can promise you that caring is what we’ll always do best.

Charlottesville Locations

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.

1330 Parham Circle

Charlottesville, VA 22902

800 Gardens Boulevard

Charlottesville, VA 22901

Mill Creek

(434) 326-0068

1330 Parham Circle

Charlottesville, VA 22902

Monday - Friday 9AM - 5PM

Saturday - Sunday Closed

Monday - Friday 8:30AM - 5PM

Saturday - Sunday Closed

Gardens Boulevard

(434) 964-0112

800 Gardens Boulevard

Charlottesville, VA 22901

Monday - Friday 9AM - 5PM

Saturday - Sunday Closed

Monday - Friday 8:30AM - 5PM

Saturday - Sunday Closed

Bold Innovation

Products & Services

Products & Services


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.


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 Charlottesville 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.

CARE Forward Partner

The Arc of the Piedmont

Support a Local Cause

Our mission is ensuring full community inclusion and participation of people with intellectual and developmental disabilities through the provision of services and advocacy.

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 Charlottesville 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

Russ Blanton, VP Area Manager

(540) 427-7821

James Birckhead, Branch Manager


Kaitlin Powell, AVP, Business Banker

(434) 270-7475