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!

Choose the Best Personal Checking Account for You

At Carter Bank and Trust, we offer three 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

50+ Interest Checking

Premium Interest Checking

Opening Deposit$100$100$100
Daily Minimum Balance
Daily Minimum Balance Fee$0$0$5 fee assessed once per month when minimum balance is not maintained on any give day
Unlimited Check Writing
Interest Bearing
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
Fee Schedule View Rates

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. Open your account online today or visit your nearest Carter Bank location. Need additional services? Schedule an appointment to talk with one of our experts.

Schedule an Appointment

*30 day grace period to get to minimum balance

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. 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.