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 employer of choice in the communities we are privileged to serve.




Every New Business checking account includes:

  • FREE Business Debit Card with access to over 37,000 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
  • 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
Monthly Service Charge$15
Earnings credit allowance on deposit balances may offset activity fees
$5 if minimum balance requirement is not met*N/A
Interest BearingN/AN/A
1,000 Free Monthly Transactions$.30 per deposit
$.15 per item in deposit
$.20 per check written
$.17 per ACH debit or credit

Up to $10,000 currency deposited per month Free
Coin and Currency Deposits$.60 per $1,000
Deposit or Withdrawal
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. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate daily. Fees may reduce earnings. See Fee Schedule for details.

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


Learn More!