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

 

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. Fees may reduce earnings.

Carter Bank and Trust will make a $10 donation to a local charity for each new Checking account opened between now and December 31, 2020.