Checking Accounts Made With You in Mind

At Carter Bank & Trust, we understand the importance of choosing the right personal savings and checking accounts for your individual needs. That’s why we’re here to help you compare and decide which account is best for you.

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.

Our banking professionals go above and beyond and 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 37,000 ATMs nationwide with MoneyPass®
  • FREE Online and Mobile Banking with Mobile Deposit
  • FREE Bill Pay
  • FREE eStatements with online check images


Personal Checking Accounts We Offer

 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 not met*
Unlimited Check Writing
Interest BearingN/A
Interest N/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 & Trust will make a $10 donation to a local charity for each new Checking account opened.


Learn More!


Reach Your Goals With Our Personal Savings Accounts

Saving money can be a challenge for some, but with a personal savings account at Carter Bank & Trust, we’ll help meet your savings goals and stay on track. Take a look at our different types of savings accounts to see which one best suits your needs.


Personal Savings Accounts We Offer

 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*
Daily Minimum Balance Fee$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
Apply Now Apply Now Apply Now Apply Now Apply Now


Open Your Personal Checking or Savings Account Today

At Carter Bank & Trust, we are committed to helping people just like you reach your financial goals through our personal checking and savings accounts. When you’re ready to open an account or just talk through your options, visit a Carter Bank & Trust branch near you and we’ll be glad to help through the process.


*30 day grace period to get to minimum balance. Minimum balance waived for minors on Personal Savings accounts.

At our discretion, we may change the interest rate daily.
**See Fee Schedule for details. Fees may reduce earnings. (This includes transfers for overdraft or insufficient funds transfers)