Convenience-minded Checking

Everyone needs a checking account, but no one needs the hassle of minimum requirements or added fees. That’s why Carter Bank & Trust offers money-saving, convenience-minded checking accounts for you.

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 personal checking account includes:

  • FREE Debit Card with access to over 37,000 ATMs nationwide with MoneyPass®
  • FREE Online and Mobile Banking with Mobile Deposit
  • FREE Bill Pay
  • FREE eStatements with online check images


Which Personal Checking Account Works Best for You?

 Lifetime Free Checking
Direct Interest Checking
50+ Interest Checking
Premium Interest Checking
Opening Deposit$50$50$50$50
Minimum Balance to Avoid Fees$0$0$0$1,500*
Monthly Service Charge$0$0$0$5 if minimum balance requirement not met*
Unlimited Check Writing
Interest BearingN/A
Interest N/AView Rates    View Rates    View Rates   
Fee ScheduleFee 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. 50+Interest Checking accounts require one applicant must be 50 years of age or older. Interest rate and annual percentage yield may change. At our discretion, we may change the interest rate daily. Other fees, such as, non-sufficient funds, overdraft, consecutive days overdraft fees, etc. may apply.  See Fee Schedule for details. Fees may reduce earnings.


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


Learn More!



Which Personal Savings Account Works Best for You?

 Money MarketCarter SavingsChristmas ClubCertificate of Deposit
Opening Deposit$50$50$10$2,500 for 6 months
$100 for CD's with a term 1 - 5 years
Minimum Balance to Avoid Fees$2,500*
Monthly Service Charge$5 if minimum balance of $2,500 is not met$ 5 if minimum balance of $100 not metN/AN/A
Interest Bearing
Transaction Limits**Unlimited In person withdrawals and transfersUnlimited In person withdrawals and transfersNo Partial withdrawals
Must withdraw entire balance
InterestView Rates View Rates View Rates View Rates
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*30 day grace period to get to minimum balance.  Minimum balance waived for minors.

**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. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate daily.

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