Commercial 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. Both versions have unlimited check writing and transactions, no annual fees on active accounts, wire transfer service available and free Debit Card.

Our interest bearing account requires a minimum of $500 to open and must be maintained at this amount to avoid a $5 fee. Startups may want an alternative where the minimum to open is much lower, $100, with no requirements to maintain a minimum balance. Comparisons are as follows:

 Minimum to openMinimum to earn interestMinimum daily balance to avoid $5 fee
Interest bearing$500*$500$500
Non-interest bearing$100N/AN/A

*Compounded daily and credited monthly

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.

Commercial Money Market

Our commercial money market account offers you the benefits of both a traditional savings and interest checking account, while earning a higher rate on your larger balances.


Benefits include:

  • No annual fee
  • Tiered interest rates based on your balance, starting at $2,500*
  • Check writing privileges to access funds**
  • Unlimited in-person withdrawals and transfers**
  • Interest compounded monthly by crediting interest to your account on the last day of each statement cycle
  • Overdraft Transfer Services available
  • Wire Transfer Service available


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

** By law, you may make no more than six (6) transfers or withdrawals from your account each month.  Exceptions to this are transactions or withdrawals made by mail, messenger, ATM or in person.  Fees may reduce earnings.

Commercial Savings

Our commercial savings account is ideal for businesses who want to grow savings but maintain easy and quick access to cash.

Our savings accounts are easy to use and will help your business build up funds to cover both unexpected and planned future expenses. If you already have a checking account with us, opening a savings account will allow you to set up free automatic transfers from checking to savings.

Benefits Include:

  • Competitive interest rate*
  • Unlimited in person withdrawals and transfers**
  • No annual fee
  • Quarterly statements
  • Requirement: $50.00 minimum to open an account

*For our current interest rates, check our locations page to find the branch nearest you.

** By law, you may make no more than six (6) transfers or withdrawals from your account each month. Exceptions to this are transactions or withdrawals made by mail, messenger, ATM or in person. Fees may reduce earnings.



Debit Card

Carter Bank & Trust Debit Card 
A way to manage your business expenses is with a Carter Bank & Trust Debit Card. You can make daily business purchases and cash withdrawals and link your commercial checking or money market account.

  • No Annual Fee*
  • Zero Liability Protection

Free Additional Benefits:

  • MasterRental® Insurance Coverage
  • Purchase Assurance®
  • Extended Warranty
  • Master Assist Services
  • MasterCard® VAT Reclaim Service
  • MasterCard® Global Service


Debit Card Fraud Alerts

Carter Bank & Trust’s Debit Card gives you a convenient, safer alternative to using cash and checks.  With our debit card fraud monitoring notification system, we monitor card transactions 24/7 for suspicious activity; and when warranted offer two types of alert notifications, phone calls and text messages.

Phone calls

  • Automated fraud alert phone call from 800.279.2674 upon detection.
  • When alert call is received, prompts for action given, including the option to speak with a person.
  • No required enrollment. Automated calls are sent automatically upon fraud detection.

Text messages

  • For faster notification of fraud alerts, receiving text messaging is available.
  • Required enrollment to receive fraud alert text messages. To enroll, respond “YES” to enrollment text message.
  • Once enrolled, if no response to text message, an alert phone call will be sent.  To stop receiving fraud alert text messages, simply select, “STOP,” in any alert message or visit your branch or call 833.ASK.CBAT or (833).275.2228.

*For more information on the Debit Card, call or visit your nearest location. Check your locations page to find a branch nearest you.

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Debit Card

Annual FeeNone
Monthly FeeNone
PIN Transaction FeeNone
Signature Transaction FeeNone
Cash Back from Merchant FeeNone
Interest FeeNone

*Does not apply to charges that may be assessed by third parties.

Carter Bank & Trust does not charge you any fees for using your Card.