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.  

Every New Business checking account includes:

  • FREE Business Debit Card with access to over 37,000 ATMs nationwide with MoneyPass®
  • FREE Online and Mobile Banking
  • FREE Bill Pay
  • FREE Mobile Deposit
  • FREE eStatements with online check images
  • Skip the wait, instant issue debit cards available in all branch locations


Which Business Checking Account Works Best for You?

 Analysis CheckingBusiness Interest CheckingLifetime Free Business Checking
Opening Deposit$50$50$50
Minimum Balance to Avoid FeesN/A$5,000*N/A
Daily Minimum Balance FeeN/A
$5 if minimum balance requirement is not met*N/A
Monthly Maintenance Fee$15
Earnings credit allowance on deposit balances may offset activity fees
Interest BearingN/AN/A
1,000 Free Monthly Transactions$.30 per deposit
$.15 per item in deposit
$.20 per check written
$.17 per ACH debit or credit

Up to $10,000 currency deposited per month FreeN/A
Coin and Currency Deposits$.60 per $1,000
Deposit or Withdrawal
Interest RatesN/AView RatesN/A
Fee ScheduleFee ScheduleFee Schedule
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*30 day grace period to get to minimum balance

Minimum opening deposit is only $50. 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 Business Checking Account with Carter Bank Today

If you’re ready to take your business to the next level, Carter Bank & Trust is here to help. Find a Carter Bank location near you or contact us by calling 833.275.2228 or 833.ASK.CBAT to get started, or apply online today! 

Carter Bank and Trust will make a $10 donation to a local charity for each new Checking account opened.


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