Lifetime Plus
Checking Account
Earn interest on your balance while using your account for everyday transactions, with no monthly fee.
Checking Accounts
Looking for the perfect account for daily money management?
Find everything you want at Carter Bank!
Lifetime Free™ Checking Account
No monthly fees, ever - with plenty of good ways to manage your money.
carter youth checking
The perfect checking account that helps teens and kids manage everyday spending while learning real-world money skills.
50+ Interest
Checking Account
With your experience, you know a good deal when you see one in this checking account.
Loyalty Advantage Checking Account
Maintain a larger balance to earn higher interest rates and receive an exclusive loan discount.
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Lifetime Free™ Checking
|
Lifetime Plus Checking
|
50+ Interest Checking
|
Loyalty Advantage Checking
|
|
|---|---|---|---|---|
| Opening Deposit | $100 | $100 | $100 | $100 |
| Minimum Daily Balance | - | - | - | - |
| Daily Minimum Balance Fee | $0 | $0 | $0 | $0 |
| Unlimited Check Writing | Yes | Yes | Yes | Yes |
| Interest Bearing | No | Yes | Yes | Yes |
| Online Account Opening Available | Yes | Yes | Yes | Yes |
| FREE Debit Card | Yes | Yes | Yes | Yes |
| FREE Online and Mobile Banking with Carter on the Go | Yes | Yes | Yes | Yes |
| FREE Bill Pay with Carter on the Go | Yes | Yes | Yes | Yes |
| FREE Mobile Deposit with Carter on the Go | Yes | Yes | Yes | Yes |
| FREE eStatements with online check images | Yes | Yes | Yes | Yes |
| Instant Issue Debit Cards available in all branch locations | Yes | Yes | Yes | Yes |
Lifetime Free™ Checking
- Opening Deposit
- $100
- Minimum Daily Balance
- -
- Daily Minimum Balance Fee
- $0
- Unlimited Check Writing
- Yes
- Interest Bearing
- No No
- Online Account Opening Available
- Yes
- FREE Debit Card
- Yes
- FREE Online and Mobile Banking with Carter on the Go
- Yes
- FREE Bill Pay with Carter on the Go
- Yes
- FREE Mobile Deposit with Carter on the Go
- Yes
- FREE eStatements with online check images
- Yes
- Instant Issue Debit Cards available in all branch locations
- Yes
Lifetime Plus Checking
- Opening Deposit
- $100
- Minimum Daily Balance
- -
- Daily Minimum Balance Fee
- $0
- Unlimited Check Writing
- Yes
- Interest Bearing
- Yes
- Online Account Opening Available
- Yes
- FREE Debit Card
- Yes
- FREE Online and Mobile Banking with Carter on the Go
- Yes
- FREE Bill Pay with Carter on the Go
- Yes
- FREE Mobile Deposit with Carter on the Go
- Yes
- FREE eStatements with online check images
- Yes
- Instant Issue Debit Cards available in all branch locations
- Yes
50+ Interest Checking
- Opening Deposit
- $100
- Minimum Daily Balance
- -
- Daily Minimum Balance Fee
- $0
- Unlimited Check Writing
- Yes
- Interest Bearing
- Yes
- Online Account Opening Available
- Yes
- FREE Debit Card
- Yes
- FREE Online and Mobile Banking with Carter on the Go
- Yes
- FREE Bill Pay with Carter on the Go
- Yes
- FREE Mobile Deposit with Carter on the Go
- Yes
- FREE eStatements with online check images
- Yes
- Instant Issue Debit Cards available in all branch locations
- Yes
Loyalty Advantage Checking
- Opening Deposit
- $100
- Minimum Daily Balance
- -
- Daily Minimum Balance Fee
- $0
- Unlimited Check Writing
- Yes
- Interest Bearing
- Yes
- Online Account Opening Available
- Yes
- FREE Debit Card
- Yes
- FREE Online and Mobile Banking with Carter on the Go
- Yes
- FREE Bill Pay with Carter on the Go
- Yes
- FREE Mobile Deposit with Carter on the Go
- Yes
- FREE eStatements with online check images
- Yes
- Instant Issue Debit Cards available in all branch locations
- Yes
FAQs
Transaction fees vary based on the type of personal checking account. Please use the link below to view the current transaction fees on our Personal Checking page. Reliable checking accounts are a fantastic way to keep your money secure and accessible.
We offer several options for you to open a Carter Bank checking account. You can complete an online application, schedule an appointment with one of our experienced bank associates, or visit a Carter Bank branch near you to open your Checking account.
- To be 18 years of age or older as the primary applicant. The primary applicant can add a joint owner to the application who is 15 or older.
- To be a US Citizen or Permanent Resident
- Your Social Security Number / Individual Taxpayer Identification Number
- Government Issued Identification (Driver's License, State ID, or Passport)
If another person will be a joint owner on your accounts, they must enter and validate their personal information.
Yes — every debit card comes with zero‑liability protection*, 24/7 fraud monitoring, and real-time alerts via the Carter Bank mobile app.
*You will not be held responsible for promptly reported, unauthorized card transactions when your card is lost or stolen. Notify Carter Bank within 2 business days when you notice your card is missing.
Carter Bank is a full-service financial institution with locations throughout Virginia and North Carolina.