Personal Checking Accounts

From utility payments to making purchases at the grocery store, checking accounts make it easy to purchase the things you need and want most. But not all checking accounts are created equal so you should open a checking account with a bank you can trust.

At Carter Bank & Trust, we strive to create robust checking accounts that make reaching your financial goals a breeze, even with changing plans and needs. Explore the benefits you’ll receive when you open a checking account with Carter Bank & Trust and apply today!


Benefits of a Checking Account with Carter Bank & Trust

When you choose a checking account with Carter Bank & Trust, you can rest assured that you’ll never have to worry about minimum requirements and added fees. In fact, when you open a checking account with us you can expect to receive the following benefits:

  • 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

Choose the Best Personal Checking Account for You

At Carter Bank & Trust, we offer four different checking accounts designed to help you reach your financial goals. Explore our personal checking account options and apply for the account that’s 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*
Daily Minimum Balance Fee$0$0$0$5 if minimum balance requirement is not met*
Unlimited Check Writing
Interest BearingN/A
Interest RatesN/AView Rates View Rates    View Rates   
Fee ScheduleFee ScheduleFee ScheduleFee Schedule
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Open a Personal Checking Account with Carter Bank & Trust Today

With personal checking accounts designed with your convenience in mind, it’s no wonder so many customers choose Carter Bank & Trust for their everyday financial needs. Find out how our checking accounts can make purchases more convenient and visit a Carter Bank & Trust branch near you today.

*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 & Trust will make a $10 donation to a local charity for each new Checking account opened.


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