Since 1974, we have been the “Home of Lifetime Free Checking.” While other financial institutions may now offer a similar product, none have offered this same, unique product for more than 40 years. By all accounts, “Lifetime Free Checking” is our signature product.

You can open your Carter Bank & Trust checking account with a minimum of $100. Our “Lifetime Free Checking” account allows you the following benefits:

  • No monthly service charge on active account
  • No minimum balance requirement
  • Unlimited check writing
  • Our free Debit MasterCard®
  • Carter Bank & Trust’s “Lifetime Free Checking” accounts are available to individuals, nonprofit organizations and trusts
  • Overdraft Transfer Service Available

In summary, being the “Home of Lifetime Free Checking” means we will never charge you fees to maintain your active checking account.

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.


*Please consult the current fee schedule for a complete listing of fees that may be assessed for services connected to this account.