We’re famous for our Lifetime Free Checking! But we strive to be your preferred lifetime financial partner by creating products that can grow with you.
At Carter Bank & Trust, we love having the chance to see a young family grow and flourish. We get excited to see a child open their first Lifetime Free Checking account with a check from their grandparent and we’re giddy when we help a retired couple fund their forever home. That’s why we’ve created products that work for every moment in your lifecycle.
Get to know the our personal checking options that help your balance grow with you!
Checking Accounts Created With Your Best Interest In Mind
We’ve been proud to be the “Home of Lifetime Free Checking” since 1974, but we’re even more proud to provide interest bearing checking account options for those looking for an account with more bells and whistles:
50+ Interest Checking* is the perfect account for our customers who are 50 and older! You get FREE personalized standard checks. When you open your account with a $50 opening deposit, you’ll also receive a competitive interest rate, no minimum balance and no monthly service charge.
Direct Interest Checking* allows you to earn interest with the convenience of direct deposit or automatic payments. This account also features a competitive interest rate with no minimum balance and no monthly service charge. All you need to do to get started is have a $50 deposit and be prepared to set up direct deposit or automatic payment.
Premium Interest Checking* is our most robust checking account for individuals seeking a higher interest rate. When you open a Premium Interest Checking account with a $50 minimum opening deposit, you have 30 days to reach and keep a balance of $1,500 or greater. Your interest rate will be higher than our other interest bearing accounts and you’ll only be charged a $5 monthly fee if your balance falls below $1,500. You also get FREE personalized standard checks.
*Fees may reduce earnings. If account is closed or funds withdrawn before interest is credited, interest will be forfeited.
Personal Checking Perks
- FREE debit card with access to 34,000 ATMs nationwide through MoneyPass®
- FREE online and mobile banking with mobile deposit
- FREE bill pay
- FREE eStatements with online check images
- BUY BACK of your unused checks ($2/pads of checks) and debit cards (up to $10) from another financial institution
Don’t forget our “Thank You” gift program! When you open a new account with us, you’ll receive a free gift! Free gift may be reported on IRS Form 1099-INT or 1099-MISC. Free gift is provided at the time of account opening.
So what are you waiting for? If you’re still not sure which personal checking account is right for you, call us at 833.ASK.CBAT (833.275.2228) or a financial services associate at your local branch.