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, and free Debit MasterCard®.

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 alterative 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 monthly 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.

Debit Card

Carter Bank & Trust Debit MasterCard® 
A way to manage your business expenses is with a Carter Bank & Trust MasterCard® 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

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

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Debit MasterCard® 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 Debit Mastercard®.