Business-minded Checking

Whether you have a startup or an established business, you need a convenient, flexible checking account. We offer both interest-bearing and noninterest-bearing commercial checking accounts to fit all your business needs!

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 Business checking account includes:

  • FREE Business Debit Card with access to over $34,000 ATMs nationwide with MoneyPass®
  • FREE Basic Online Banking
  • FREE Basic Bill Pay
  • FREE Basic Mobile Banking with Mobile Deposit
  • FREE eStatements with online check images
  • FREE thank you gift
  • BUY BACK of your unused checks and debit cards from another financial institution


Which Business Checking Account Works Best for You?

 Analysis CheckingBusiness Interest CheckingLifetime Free Business Checking
Opening Deposit$50$50$50
Minimum Balance to Avoid FeesN/A
Monthly Service Charge$15
Earnings credit allowance on deposit balances may offset activity fees
$5 if minimum balance requirement is not met*N/A
Interest BearingN/AN/A
1,000 Free Monthly Transactions$.15 per transaction fee
$.50 per 1,000 coin and currency deposits

Up to $10,000 deposited items per month free

Up to $10,000 deposited items per month free


*30 day grace period to get to minimum balance

Minimum opening deposit is only $50. Bank rules and regulations apply. Other fees, such as, non-sufficient funds, overdraft, consecutive days overdraft fees, etc. may apply.  See Fee Schedule for details. Free gift may be reported on IRS Form 1099-INT or 1099-MISC. Free gift provided for checking accounts opened. We reserve the right to substitute a gift of similar value. Up to $10 for checks and debit cards from another financial institution given at the time checks/debit cards are presented.

Get a Free Travel Bag When You Open a New Checking Account at a Local Branch!

For current customers, Tell-A-Friend and you can BOTH earn a FREE GIFT. With Tell-A-Friend online referrals, it’s as easy as 1-2-3! Sign up online at:

View All Free Gifts!