50+ Interest Checking Account

With your experience, you know a good deal when you see one in this checking account

Earn extra money while enjoying free checking 

For mature money managers
This account is available to Carter Bank customers age 50 and over.
Earn more interest
Our competitive rates put extra dollars in your pocket.
Packed with free features
A Visa® debit card, Online Banking, Bill Pay and convenient eStatements are all part of the package.
On-the-go assistance
Our mobile app and Mobile Check Deposit mean Carter Bank services are always close at hand.

You have your own way of doing things. That works for us.

You'll love the versatility of our 50+ Interest Checking Account. If you still prefer traditional money management, we offer unlimited check-writing. And if you pride yourself on being tech savvy, the sky is the limit with Online and Mobile Banking tools that help you handle your finances quickly and on your schedule.


For contact information, including phone numbers, email addresses, and online inquiries, please visit our "Contact Us" page. You can also call us at (833.275.2228), or visit us at one of our locations. To find a location click here.

Our routing number is 051403957.  The routing number is also called an ABA number or routing transit number. You can find it in the lower left-hand corner of your checks. Financial institutions use routing numbers to send and receive money from other financial institutions. Routing numbers are essential in many transactions that Carter Bank provides such as wire transfers, check ordering and more. You can also locate our routing numbers in the footer and search functions of our website.

Each depositor is insured through the FDIC (Federal Deposit Insurance Corporation) coverage up to $250,000.

Additional services are offered to extend the coverage of deposits beyond $250,000 based on account classification and ownership type.

You may order your checks online herevisit a local branch or contact us. Products that offer free checks must be ordered at a local branch or by contacting us in order for the checks to incur no charge to the customer. Online ordering will charge the customer for the checks.  

Online and on the go

Keep tabs on your accounts with online banking and our mobile app.

50 + Interest Checking Disclosure (TIS)
Terms and Conditions of your account
Automatic Overdraft Disclosure
Fee Schedule
Rate Sheet
Electronic Funds Transfer Disclosure
Information About Your Checking Account
Privacy Notice

Bank rules and regulations apply. 50+Interest Checking accounts require one applicant must be 50 years of age or older. Interest rate and annual percentage yield may change. At our discretion, we may change the interest rate daily. Other fees, such as, non-sufficient funds, overdraft, consecutive days overdraft fees, etc. may apply.  See Fee Schedule for details. Fees may reduce earnings.

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