Business Checking Accounts


Whether you have a startup or an established business, you need a convenient, flexible checking account. We offer both interest-bearing and noninterest-bearing commercial checking accounts to fit all your business needs.  

As the home of lifetime free checking since 1974, Carter Bank & Trust strives to be the preferred lifetime financial partner for our customers and shareholders. Your business is your livelihood, and Carter Bank wants to help take your company to the next level.  

Which Business Checking Account Works Best for You?

Business 250 Checking
Business 500 Checking
Analysis Checking
Opening Deposit$100$100$100
Daily Minimum Balance Fee

Waived with one of the following:
• $10,000 minimum avg daily balance
• $15,000 combined deposit balances
• $50,000 outstanding business loan balance
Monthly Fee

Earnings credit allowance on deposit balances may offset activity fees
Monthly Transaction Allowance250 items per month500 items per month$.30 per deposit
$.15 per item in deposit
$.20 per check written
$.17 per ACH debit or credit
Fees for Exceeding Transaction Allowance
$0.50 per excess item fee $0.50 per excess item fee

$0.75 per $1,000 over first $10,000 currency deposit and/or withdrawal
Coin & Currency deposited per month fee
No fee up to $10,000 currency deposited per monthNo fee up to $20,000 currency deposited per month$.60 per $1,000 currency deposit or withdrawal
Fees for Exceeding Deposit Allowance $.75 per $1,000$.75 per $1,000$0.00
Online Account Opening Available
FREE Business Debit Card
FREE Online and Mobile Banking with Carter on the Go
FREE Bill Pay with Carter on the Go
FREE Mobile Deposit with Carter on the Go
FREE eStatements with online check images
Instant Issue Debit Cards available in all branch locations
Open Now
Open Now
Business Fee Schedule Fee Schedule

Minimum opening deposit is only $100. Bank rules and regulations apply. Other fees, such as, non-sufficient funds, overdraft, consecutive days overdraft fees, etc. may apply.  See Fee Schedule for details. Fees may reduce earnings.


Open your account today or visit your nearest Carter Bank location. Need additional business services, schedule an appointment to talk with one of our experts in Treasury Services below.

Schedule an Appointment