Commercial and Industrial Banking

Tell us your plans - we'll take it from there

At Carter Bank, we recognize that every business is unique. We are committed to providing personalized service, taking the time to listen and understand your needs. We get to know you and your business. 

With decades of combined expertise across various Commercial and Industrial sectors, we deliver tailored business solutions with exceptional service, offering a broad range of products to simplify your finances and drive growth.

The personal service you need with tools to help you grow.

Carter Bank is here to be a financial partner for your business, not just a commercial and industrial resource.  Our suite of services is designed to keep you in control of your bottom line.

Put us to work for you.  We're here to talk through your goals and challenges to help develop a strategy and product mix that meets your objectives.

Financing
Get the financing you need for working capital, equipment, acquisitions, real estate expansion, renovations, and more.
Treasury Management Services
Utilize our treasury management team to enhance your daily cash management and optimize cash flow.
Deposit Services
Find the accounts and services you need to streamline your processes with our Business specific Checking, Savings, Zero Balance Accounts, Money Market, and Certificates of Deposit.

A Bank Dedicated To Your Commercial Success

As a community bank, building lasting relationships with our customers is central to the way we do business. We are your neighbors and care deeply about the communities we serve and the local businesses that drive their economic vitality.

We are also uniquely positioned to meet the borrowing needs of your business, with a highly experienced and sophisticated C&I lending team focused on delivering competitive, creative and timely solutions.

Tony E. Kallsen
Senior Executive Vice Preseident Chief Credit Officer

Acquire the capital you need to take the next big step

With Carter Bank C&I Loans, you are getting capital to invest in your business and a powerful financial partner ready to help you achieve your organizational growth objectives.

Working Capital Lines of Credit
Access the funds you need to grow, cover operational expenses, and invest in your business.
Equipment Lending
Get funds to purchase the equipment and vehicles your company needs to meet your corporate objectives.
Owner Occupied Commercial Real Estate Loans
Investing in a first location, new construction, or expanding to an additional location? We'll create packages for your specific needs.
Expert guidance to streamline business processes

We understand that businesses need efficient cash flow management to thrive, which is why we offer comprehensive Treasury Management services tailored to your needs. Our team provides customized solutions to streamline payment processing, enhance liquidity, and optimize cash flow, empowering you to focus on growing your business with confidence. 

 

FAQs

Our Business 250 and 500 Checking accounts are best suited for small and mid-sized businesses, such as cleaning companies, lawn services, hairdressers, restaurants or body shops. The Analysis Checking account is utilized by larger businesses that have a high volume of transactions per month. Please visit our Business Checking page to learn more, contact your local branch, or email us at [email protected]available Monday through Friday from 9:00 a.m. to 5:00 p.m. 

You will need the following information:

  1. The legal business name
  2. The legal address
  3. The business tax ID number
  4. The date the business was established
  5. Supplemental documents, based on business type
  6. Applicant's social security number
  7. Applicant's date of birth
  8. Applicant's mailing address/email address 

Open your new business account today!

Apply Online for a Business Account | Visit Us

For Business 250 Checking, there is no monthly fee and no minimum balance fee. For Business 500 Checking, a $25 fee will be assessed monthly, if one of the following requirements is not met:  

  1. $10,000 minimum daily balance  
  2. $15,000 combined deposit balance
  3. $50,000 in outstanding business loan balance  

Please visit our Business Checking page to learn more, contact your local branch, or email us at [email protected]available Monday through Friday from 9:00 a.m. to 5:00 p.m. 

Transaction fees vary based on the type of business checking account. Please use the links below to view the current transaction fees on our Business Checking page. Open your new business account.

Fee Schedule | Business Fee Schedule

Checking to match your business

Choose from two options based on your volume of business.


All loans are subject to credit approval.

Carter Bank is a full-service financial institution with locations throughout Virginia and North Carolina.