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 Card includes surcharge-free benefits of the Money Pass® ATM Network*
  • Carter Bank & Trust’s “Lifetime Free Checking” accounts are available to individuals and trusts
  • No annual fee on active accounts
  • Overdraft Transfer Service available
  • Wire Transfer Service available

In summary, the Carter Bank & Trust: Home of Lifetime Free CheckingSM means we will never charge you fees to maintain your active checking account.

Open an Account Today

Apply Now

Woman at ATM using moneypass

Access More Than 32,000 ATMs Nationwide Without a Surcharge Fee!

Carter Bank & Trust offers surcharge-free benefits of the MoneyPass® ATM Network*.  With MoneyPass®, you have access to more than 32,000 ATMs nationwide without a surcharge fee when you want to withdraw cash.

To locate an ATM in the MoneyPass® Network, simply click on the Surcharge Free ATM Locator button below.
Surcharge Free ATM Locator

Questions? Visit one of our branches across Virginia and North Carolina or call 833.ASK.CBAT (833.275.2228).

*Making deposits and checking balances within MoneyPass® ATM Network are not part of the surcharge-free benefits, only cash withdrawals.

Time to Reorder Checks?

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.