Your Life. Your Checking. Your $300 Bonus.
Because the best checking accounts fit the life you actually live. Open your new account, meet a few simple requirements, and we’ll thank you with a $300 cash bonus, because banking should really reward you.
Limited time offer! Your $300 bonus is waiting.
Open your new Carter Bank checking account and start enjoying a better kind of banking — one that rewards you for being you.
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Lifetime Plus Checking
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Lifetime Free™ Checking
|
50+ Interest Checking
|
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|---|---|---|---|
| Opening Deposit | $100 | $100 | $100 |
| Minimum Daily Balance | - | - | - |
| Daily Minimum Balance Fee | $0 | $0 | $0 |
| Unlimited Check Writing | Yes | Yes | Yes |
| Interest Bearing | Yes | No | Yes |
| Online Account Opening Available | Yes | Yes | Yes |
| FREE Debit Card | Yes | Yes | Yes |
| FREE Online and Mobile Banking with Carter on the Go | Yes | Yes | Yes |
| FREE Bill Pay with Carter on the Go | Yes | Yes | Yes |
| FREE Mobile Deposit with Carter on the Go | Yes | Yes | Yes |
| FREE eStatements with online check images | Yes | Yes | Yes |
| Instant Issue Debit Cards available in all branch locations | Yes | Yes | 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
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
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
1 Offer available for a limited time and only on new Lifetime Free, Lifetime Plus, and 50+ Interest Checking Accounts. Terms are subject to change without notice. Qualifying 90 days starts on the day the account is opened. Over these 90 days, qualification requirements include setting up and direct deposits totaling $1000; and maintaining an average daily balance of $500. All deposits and average daily balance must be in place by 8PM eastern standard time on the 90th day. The $300 cash incentive will be deposited into the same account within 30 days after the 90th day and only if all qualifications are met. The annual percentage yield (APY) for the 50+ interest checking is .05%. The minimum balance to earn the stated APY is $.01. The APY for Lifetime Plus checking $0 - $15,000 is 5.00% and $15,000.01 up to $999,999,999.99 is 5.00% - .50% based on a blended rate and qualifying events. Rates are accurate as of November 6, 2025. $100 to open each account. Fees may reduce earnings. All rates, terms, and products are subject to change after account opening.