Checking Accounts Made With You in Mind

At Carter Bank & Trust, we understand the importance of choosing the right personal savings and checking accounts for your individual needs. That’s why we’re here to help you compare and decide which account is best for you.

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.

Our banking professionals go above and beyond and 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.

Personal Checking Accounts We Offer

Lifetime Free Checking
50+ Interest Checking

Premium Interest Checking

Opening Deposit
$100
$100
$100
Minimum Balance to Avoid Fees
$0
$0
$0
$1,500*
Daily Minimum Balance Fee
$0
$0
$5 fee is assessed once per month when minimum balance is not maintained on any given day
Unlimited Check Writing
Interest Bearing
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Online Account Opening Available
FREE Debit Card
FREE Online and Mobile Banking with Carter on the Go
FREE Bill Pay with Carter on the Go
FREE Mobile Deposit with Carter on the Go
FREE eStatements with online check images
Instant Issue Debit Cards available in all branch locations
Open Now
Open Now
Open Now

Open your account online today or visit us at a Carter Bank location near you. If you have additional questions call 833.ASK.CBAT or 833.275.2228.

*30 day grace period to get to minimum balance

Fee Schedule View Rates

Minimum opening deposit is only $100. Bank rules and regulations apply. 50+Interest Checking accounts require one applicant must be 50 years of age or older. 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. Fees may reduce earnings.

Reach Your Goals With Our Personal Savings Accounts

Saving money can be a challenge for some, but with a personal savings account at Carter Bank & Trust, we’ll help meet your savings goals and stay on track. Take a look at our different types of savings accounts to see which one best suits your needs.

 

Personal Savings Accounts We Offer

Money Market
Carter Savings
Christmas Club
Certificate of Deposit
Opening Deposit
$100
$50
$10
$2,500 for 6 months
$100 for CD's with a term 1 - 5 years
Minimum Balance to Avoid Fees
$2,500*
$100*
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Daily Minimum Balance Fee$5 if minimum balance of $2,500 is not met$ 5 if minimum balance of $100 not met
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Interest Bearing
Transaction Limits**Unlimited In person withdrawals and transfersUnlimited In person withdrawals and transfersNo Partial withdrawals
Must withdraw entire balance
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Open Now
Open Now
Open Now
Open Now
Open Now

 

Fee Schedule View Rates

Open Your Personal Checking or Savings Account Today

At Carter Bank & Trust, we are committed to helping people just like you reach your financial goals through our personal checking and savings accounts. Apply online today, visit us at a Carter Bank location near you, or call 833.ASK.CBAT to get started.

 

*30 day grace period to get to minimum balance.  Savings account; minimum balance waived for minors.

At our discretion, we may change the interest rate daily.
**See Fee Schedule for details. Fees may reduce earnings. (This includes transfers for overdraft or insufficient funds transfers)