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 34,000 ATMs nationwide with MoneyPass®
  • FREE Online and Mobile Banking with Mobile Deposit
  • FREE Bill Pay
  • 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 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. 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. 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.

Get a Free $10 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 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.

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