Frequently Asked Questions

Our free online and mobile banking, gives you quick access to your accounts to see your transactions and balances, transfer funds, pay bills, review your credit score and report, and much more. Plus, you can bank from anywhere, anytime with our mobile app.

New to online and mobile banking? To enroll, please provide us with your email address and mobile phone number by calling 833-275-2228 or by visiting your local branch.

Once we have your information, you may enroll online to get access to online transfers, bill pay, eStatements and more.

Need access to your accounts on-the-go? Once you have enrolled in online banking, download the Carter Bank app from the App Store or Google Play to get access to all the convenient features of mobile banking, plus the ability to deposit a check remotely from your mobile device.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.

Android, Google Play and the Google Play logo are trademarks of Google Inc.

If you have forgotten your online banking password, you may select the "Forgot Password" link on the login page and follow the instructions to reset your password. If you don't know your account number/User ID, please call our Customer Contact Center at 833-ASK-CBAT (833-275-2228) or visit one of our branches for assistance. Please note: If you enter incorrectly your account number/User ID more than three times, your account will be locked for security reasons. Once your account has been locked, you will need to contact us to reset your account.

Business Customers will need to reach out to their local branch office to initiate online and mobile banking. If you are wanting to use the Automated Clearing House (ACH) network or wire services, then our Carter Commercial Center may be your best online banking option. Contact us at 833-275-2228 if you have any questions.

To enroll in Credit Sense, log in to your Carter on the Go account, select Accounts from the menu bar, then click Credit Score & Report. Follow the prompts to create your account. Once enrolled, your credit score will appear automatically each time you sign in to Carter on the Go. Carter on the Go is your anytime banking solution. Our free online and mobile banking option offers convenient, everyday banking from your computer or smartphone. Learn more and register for Carter on the Go.

CreditSense is a single place that gives you an overview of your credit scores from all of the major credit bureaus into a single score called a VantageScore 3.0. Credit Sense pulls your credit profile from TransUnion, one of the three major credit reporting bureaus. It uses its credit scoring model, VantageScore, developed collaboratively by the three major credit bureaus: Equifax, Experian, and TransUnion. This model is monitored daily on your behalf while also giving you a score information more uniform between the three bureaus to provide a comprehensive overview of your credit reports.

eSwich2Carter, powered by ClickSWITCH, is an account-switching solution that makes it easy to quickly and securely switch your recurring direct deposits and automatic payments from your previous financial institution to Carter Bank. To get started you’ll need to gather all of your automatic payment and direct deposit information to get your switches started. A previous statement is a great source of information for the automatic payments and direct deposits tied to an account.

Yes. eSwitch2Carter, powered by ClickSWITCH, uses the latest in online encryption protection to gather and store your switch information. Additionally, our facilities adhere to the highest industry standards with regard to the security of your personal information. eSwitch2Carter, powered by ClickSWITCH, is a secure automated account-switching solution that makes it easy for you to quickly and securely switch your recurring direct deposits and automatic payments from your previous financial institution to Carter Bank. Learn more about the eSwitch2Carter process or start switching today.

Getting started with eSwitch2Carter, powered by ClickSWITCH, is easy. Once you’ve been enrolled, you’ll need the SwitchTRACK code provided to you during enrollment, or you can activate your eSwitch2Carter, powered by ClickSWITCH, account through the Welcome email you received. After enrollment, you can log into eSwitch2Carter account here.

There are 3 ways to fund your account:

1. Transfer from another Carter Bank
2. Transfer money from another financial institution, using ACH. To complete this transfer, you must provide the routing number and account number for that account.
3. Transfer money from a Credit/Debit card (Mastercard/Visa/Discover). To complete this transfer, you are required to provide the card number, expiration date, and CVV code.

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The easiest way to check the status of a switch is to look at the “Status” column of your eSwitch2Carter, powered by ClickSWITCH, account. Switches that have been completed and confirmed by your biller or depositor will display a “Completed” status. Switches that are still in process will display a “Mailed” status. Log in to your eSwitch2Carter account to check the status of your switches. For switches that have a "Mailed" status for 15 days or more, we recommend contacting the company to confirm the switch is completed or check your account.

You can turn your card access on and off, set up card alerts, control your card usage, and so much more. Get started with Debit Card Management. Enjoy immediate control of your debit card through the Carter on the Go app. Learn more about Debit Card Management.

Setting Up Account Alerts 
1. From the menu, select PROFILE and ALERTS. <not in profile>
2. You will be prompted with two types of alerts; NOTIFI alerts and NATIVE alerts. You may be required to authenticate your registration.
Select Notifi alerts to receive real-time alert notifications.
Select Native to set up alerts not yet available through the Notifi service, where alerts are sent only at certain times of the day upon activity. These alerts include card alerts, loan payment reminders and secure messages.
3. Select MANAGE ALERTS and follow the prompts to add the alert of your choice. You can choose who receives each type of alert by selecting MANAGE RECIPIENTS and following the prompts.
Select SUBMIT and you'll see your alert successfully added.