Frequently Asked Questions

After enrollment, you’ll need the SwitchTRACK code provided during signup, or you can activate your account through the welcome email link. Access your eSwitch2Carter dashboard to finalize direct deposit and payment transfers with just a few clicks. 

Enroll online at our official website, then access our online and mobile banking to manage your accounts anytime, anywhere.

Use the Forgot Password link on our login page or contact Customer Service at 833-275-2228 for help resetting your login credentials.

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 account through Online Banking or our Mobile app, 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 your account. Online Banking and our Mobile app are your anytime banking solution that offer convenient, everyday banking from your computer or smartphone. Learn more and register for Online Banking.

Credit Sense integrates your TransUnion credit profile to create a VantageScore 3.0, developed collaboratively by Equifax, Experian, and TransUnion. It provides a single, streamlined credit score overview that’s updated daily, making it easier to track changes across all three major bureaus.

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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eSwitch2Carter, powered by ClickSWITCH, is a secure, automated solution that quickly switches your direct deposits and automatic payments to Carter Bank. Gather your existing automatic payment and deposit info—like a prior statement—to ensure you have all the necessary details before starting.

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.

Yes. eSwitch2Carter uses advanced online encryption to protect your personal information. It’s designed to securely transfer your recurring deposits and payments to Carter Bank with minimal hassle. Learn more or start your switch today.

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.

Debit Card Management is an online and mobile banking tool that gives you complete control and visibility over your Debit Card. With this service, you can easily turn your card access on and off, set up custom alerts, view recent transactions, manage your card usage, and do much more. 

Yes. Use mobile check deposit to scan and deposit checks through our online and mobile banking app for both personal and business accounts.

Schedule recurring transfers via our online banking or mobile banking platform, choosing frequency, date, and source/destination accounts.

Absolutely. Link your Carter Bank account or debit card within each app’s settings for convenient money transfers.