Carter Bank & Trust
Home of Lifetime Free Checking

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! We have been the home of lifetime free checking since 1974.

At Carter Bank & Trust, we strive to be the preferred lifetime financial partner for our customers and shareholders, and the employee of choice in the communities we are privileged to serve.




Every New Business checking account includes:

  • FREE Business Debit Card with access to over 34,000 ATMs nationwide with MoneyPass®
  • FREE Basic Online Banking
  • FREE Basic Bill Pay
  • FREE Basic Mobile Banking with Mobile Deposit
  • FREE eStatements with online check images
  • FREE thank you gift
  • BUY BACK of your unused checks and debit cards from another financial institution (offer available for accounts opened in branch only)


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
Monthly Service Charge$15
Earnings credit allowance on deposit balances may offset activity fees
$5 if minimum balance requirement is not met*N/A
Interest BearingN/AN/A
1,000 Free Monthly Transactions$.15 per transaction fee

Up to $10,000 currency deposited per month Free
Coin and Currency Deposits$.50 per $1,000
Interest RatesView RatesN/A
Fee ScheduleFee ScheduleFee Schedule
Apply Now Apply Now


*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. Interest rate and annual percentage yield may change. At our discretion, we may change the interest rate daily. See Fee Schedule for details. Free gift may be reported on IRS Form 1099-INT or 1099-MISC. Free gift provided for checking accounts opened. We reserve the right to substitute a gift of similar value. Up to $10 for checks and debit cards from another financial institution given at the time checks/debit cards are presented. Fees may reduce earnings.

Get a Free Gift When You Open a New Checking Account at a Local Branch!

For current customers, Tell-A-Friend* and you can BOTH earn a FREE GIFT. With Tell-A-Friend* online referrals, it’s as easy as 1-2-3! Sign up online at:

View All Free Gifts!


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