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Routing Number:  051403957

About Us

Carter Bank & Trust

Sketch of Corporate Headquarters building at Beaver CreekCarter Bank & Trust is a state-chartered community bank in the Commonwealth of Virginia, with $4.1 billion in assets as of December 31, 2017. We operate more than 100 branches in our Virginia and North Carolina and offer a full range of deposit accounts including our signature product, "HOME OF LIFETIME FREE CHECKING, which was launched in 1974. We are known for competitive interest rates that provide a good return on investment. All deposit accounts are insured by the FDIC up to the maximum amount allowed by law, which currently is $250,000 per depositor subject to aggregation rules.

In addition to deposit services, business and personal loan products are available. The loan process at CB&T is straight-forward and transparent. Loans are available in all amounts to meet financing needs. >> read more

Our History

Carter Bank & Trust was formed on December 29, 2006, by the merger of 10 banks in Virginia and North Carolina. At that time, the merger created the largest independent state-chartered commercial bank with headquarters in the Commonwealth of Virginia. Banks merged to form Carter Bank & Trust were Blue Ridge Bank, N.A., Floyd; Central National Bank, Lynchburg; Community National Bank, South Boston; First National Bank, Rocky Mount; First National Exchange Bank, Roanoke; Mountain National Bank, Galax; Patrick Henry National Bank, Bassett; Patriot Bank, N.A., Stafford; Peoples National Bank, Danville; and Shenandoah National Bank, Staunton.

On December 13, 1974, an office of the First National Bank of Rocky Mount opened in Rocky Mount, VA with eight employees. This was the first bank created by the late Worth Harris Carter, Jr. of Martinsville, VA and a group of prominent local business people. >> read more

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