Business-minded 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!

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


Which Business Checking Account Works Best for Your Business?

 Business Interest checking
Lifetime free Business Checking
Opening Deposit$50$50
Minimum Balance to Avoid Fees
Monthly Service Charge
$5 if minimum balance is not met*N/A
Interest Bearing
1,000 Free monthly transactions

Up to $10,000 currency deposited per month Free

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Fee ScheduleFee Schedule
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*30 day grace period to get to minimum balance requirement

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.


Learn More!


Which Business Savings Account Works Best for You?

 Certificate of DepositMoney MarketBusiness Savings
Opening Deposit$2,500 for 6 months
$100 for CD's with a term 1 - 5 years
Minimum Balance to Avoid FeesN/A$2,500*
Monthly Service ChargeN/A$5 if minimum balance of $2,500 is not met$ 5 if minimum balance of $100 not met
Interest Bearing
Transaction LimitsN/AUnlimited In person withdrawals and transfers**Unlimited In person withdrawals and transfers**
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*30 day grace period to get to minimum balance.

**By law, you may make no more than six (6) transfers or withdrawals from your account each month.  This can only occur three times in a rolling twelve month period or the account type may change or account may be closed. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate daily.  A $5.00 fee will be accessed for each transfer made that exceeds the six (6) limit per month. Exceptions to this are transactions or withdrawals made by mail, messenger, ATM or in person.

Fees may reduce earnings. (This includes transfers for overdraft or insufficient funds transfers)