Interest checking eliminates tradeoffs you may have between easy access of your money and higher interest earnings.*

With our interest checking, you get the best of both worlds. You can write an unlimited number of checks each month, use our debit card and make ACH transfers while earning a competitive return on your easily accessible cash. ACH transfers are electronic, bank-to-bank transfers processed by the Automated Clearing House (ACH) network. Our types of transfers include external funds transfers, bill payments and direct deposits from employers and government benefit programs.



  • $500 minimum to open
  • $500 minimum balance to avoid the $5 monthly maintenance fee

Woman at ATM using moneypass

Access More Than 32,000 ATMs Nationwide Without a Surcharge Fee!

Carter Bank & Trust offers surcharge-free benefits of the MoneyPass® ATM Network*.  With MoneyPass®, you have access to more than 32,000 ATMs nationwide without a surcharge fee when you want to withdraw cash.

To locate an ATM in the MoneyPass® Network, simply click on the Surcharge Free ATM Locator button below.
Surcharge Free ATM Locator

Questions? Visit one of our branches across Virginia and North Carolina or call 833.ASK.CBAT (833.275.2228).

*Making deposits and checking balances within MoneyPass® ATM Network are not part of the surcharge-free benefits, only cash withdrawals.

Time to Reorder Checks?

Click on the Harland Clarke image below to reorder checks


When placing a check order with another check vendor other than Harland Clark, you will need to provide our routing number, 051403957, and your account number. If your checks were printed prior to June 2017, this routing number may be new.

Open an Account Today!

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*For our current interest rates, please contact one of our convenient branch locations. Visit our locations page to find the branch closest to you.

Fees may reduce earnings.