Lifetime Free™ Checking Account

Our Lifetime Free™ Checking works perfectly with your lifestyle

No monthly fees, ever - but plenty of good ways to manage your money 

Packed with free features
Life is a little easier with a Visa® debit card, Debit Card Management service, Online Banking, Bill Pay and eStatements.
When you're on-the-go
Our mobile app and Mobile Check Deposit mean Carter Bank services are always close at hand.
Money on demand
Tap into your checking funds through a nationwide network of ATMs.

A do-it-all account for people who need to get things done

With today's busy schedules and tight budgets, you don't have a moment to spare or a dollar to waste. That makes our Lifetime Free™ Checking - with no monthly fees and 24/7 digital banking tools - the perfect fit for people who are always looking for new ways to save both time and money.

  • $100 minimum opening deposit
  • No monthly service charge
  • Online account opening available
  • Free eStatements with online check images
  • Access to thousands of surcharge-free MoneyPass® ATM Network locations nationwide
  • Instant issue debit cards available at all branches


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.

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