Carter Bank & Trust
Home of Lifetime Free 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. We have been the home of lifetime free checking since 1974.

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 is not met*
Unlimited Check Writing
Interest BearingN/A
Interest RatesN/AView Rates -View Rates    View Rates   
Fee ScheduleFee ScheduleFee ScheduleFee Schedule
Apply NowApply NowApply NowApply Now


*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. 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. Fees may reduce earnings.

Get a Free Gift When You Open a New Checking Account at a Local Branch!

For current customers, Tell-A-Friend* and you can BOTH earn a FREE GIFT. With Tell-A-Friend* online referrals, it’s as easy as 1-2-3! Sign up online at:*

View All Free Gifts!

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