Overdraft Protection

Protect your account from overdrafts and costly fees

Arrange for funds to be shifted from savings accounts or credit lines

Sign up easily
Visit a Carter Bank branch to activate our overdraft transfer service.
Strengthen your safety net
Transfers can only be made if the linked account has sufficient funds.
Pay a small fee
A $5 overdraft transfer fee will be assessed for each transfer. Applies only to savings and checking auto transfer, not lines of credit. (Fees may reduce earnings.)

An overdraft can happen to anyone

You lose track of what's in your account. Or you need extra money for an important payment or purchase. These can lead to transactions that result in a negative account balance. With no backup, you may face rejected payments and hefty merchant fees. Overdraft protection lets you set up automatic transfers from other Carter Bank accounts to cover any shortfall.


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.

Download our mobile app

Stay connected to your accounts when you're on the move.

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