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
  • 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 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

InterestView Rates    View Rates   
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. 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 $10 Free Gift Card* When You Open a New Checking Account Online!

For current customers, Tell-A-Friend** and you can BOTH earn a FREE GIFT.

Online Referrals are as easy as 1,2,3!

*If an account qualifies for an online account gift, a $10 Amazon claim code will be sent via a secure e-mail two months from account opening date. Limit three $10 gift cards per primary applicant. To qualify, your account must be open for at least 60 days and have a positive balance greater than zero.

**If you are experiencing issues accessing this site using Internet Explorer, use one of the following browsers: Google Chrome, Mozilla Firefox or Microsoft Edge.


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**
InterestView Rates    View Rates    View Rates   
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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.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)