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Routing Number:  051403957

Personal Debit Cards

Carter Bank & Trust Debit MasterCard®

The Carter Bank & Trust Debit MasterCard® is a powerful tool that makes banking and shopping safer and more convenient. Get a Carter Bank & Trust Debit MasterCard today and enjoy all of the benefits shown below!

Close-up photo of credit card being inserted into card readerChip Technology Makes an

Already Secure Card Even Safer

We’re pleased to introduce the added security of chip technology to your Carter Bank & Trust Debit MasterCard. Chip cards have a microchip embedded in the card that provides increased protection against fraud.

Your chip card comes with technology that is already in use around the world, and has been proven to reduce counterfeit fraud.

Shop with confidence - at home and around the world - knowing that the chip in your card can help protect you from fraud while opening up the world for you.

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Chip Cards are Easy to Use

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Your Carter Bank & Trust Debit MasterCard has chip and magnetic stripe technology. That means, regardless of what type of terminal a merchant has, you will be able to use your card anywhere Debit MasterCard is accepted.

  • At retailers with chip-enabled terminals. Insert your card and follow the prompts on the terminal.
  • At retailers without chip terminals. Swipe your card and proceed as you normally would.
  • Over the phone or online. Provide your card information the way you always have when you’re ready to make a purchase.

How Do I Use my Chip Card at a Chip-Enabled Terminal?

Step 1 illustration - insert card chip first into terminal
Insert your card “chip first” into the chip-enabled terminal.

With chip transactions, your card remains in the terminal throughout your transaction.
Step 2 illustration - follow the prompts on the terminal
Follow the prompts on the terminal and wait for the transaction to be processed.

You may be required to enter your PIN or sign to complete the transaction.
Step 3 illustration - remove card when prompted to do so
Remove your card after the transaction is completed and you are prompted to do so by the payment terminal.

Make everyday purchases without the hassle of carrying cash or checks

The Carter Bank & Trust Debit MasterCard may be used to make everyday purchases at millions of places worldwide where Debit Decorative image - shoppingMasterCard is accepted, including:

  • Restaurants
  • Department Stores
  • Internet Merchants
  • Doctor's Offices
  • Airlines and Hotels
  • Grocery Stores
  • Gas Stations

Purchase amounts are automatically deducted from your checking account so you won't incur interest charges, accumulate debt, or create monthly bills to pay.

Save time by using your card to pay bills automatically

Decorative image - lady at computerFrom Internet and cell phone to health club dues and commuter passes, service providers are offering the convenience of automatic bill payments. Call these businesses to set up automatic payments using the Debit MasterCard to ensure your recurring bills are paid on time, every time.

Simplify your record keeping

Each time you use the CB&T Debit MasterCard for a purchase or any other transaction, information about the transaction will be listed on your checking account statement. With each purchase, you will have a record of the merchant name, the purchase date, and the amount spent - information that can make it easier to track your spending and manage your budget.

Access your checking account at home and abroad

The Carter Bank & Trust Debit MasterCard can be used to get cash through ATMs that accept MasterCard.

Save money when traveling outside of the United States

Decorative image - someone in a beach chairExchange rates for cash access at international ATMs are often better than the rates available at foreign banks and currency exchange kiosks. Often there are favorable exchange rates when making purchases at millions of locations abroad where Debit MasterCard is accepted.

Enjoy added security and protection

Using the Carter Bank & Trust Debit MasterCard is safer than carrying a lot of cash and more convenient than writing checks. Shop with confidence--on the Internet, by phone, or in person. If your card is lost or stolen, or if your card number is used without your permission, you will have zero liability for unauthorized purchases.

ATM withdrawals / Cash withdrawals

Decorative photo - lady getting cash from an ATMYour Carter Bank & Trust Debit MasterCard card may be used to withdraw cash from your account at more than a million ATMs around the world.

ATM surcharge fees

Most owners of ATMs charge a fee for using their ATM. The ATM will notify you how much their fee is and allow you to stop before the fee is charged.

Carter Bank & Trust does not charge a fee for using your card or for using an ATM. Any fee charged by a third party will be passed on to you.


When cash is needed, make a purchase at a store - select "DEBIT", enter the PIN, and request Cash Back. Most chain stores offer this option which eliminates a stop at the ATM and No Fees - saving time and money!

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