Frequently Asked Questions

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.

Transaction fees vary based on the type of personal checking account. Please use the link below to view the current transaction fees on our Personal Checking page. Open your Carter checking account. Reliable checking accounts are a fantastic way to keep your money secure and accessible.

Fee Schedule | Business Checking 

We offer several options for you to open a Carter Bank checking account. You can complete an online application, schedule an appointment with one of our experienced bank associates, or visit a Carter Bank branch near you to open your Checking account. 

To leverage the full benefits of Lifetime Plus checking, you must make at least 15 debit card transactions per cycle, signature or PIN, in person or online. You must also be enrolled in eStatements and have in place one direct deposit or ACH credit per cycle. 

There are no hidden fees with Lifetime Plus! This is a FREE account with no monthly fee and no minimum balance required.

Qualifying accounts will receive 5.00% Annual Percentage Yield (APY) on the first $15,000 in the account.  The account will receive 0.50% blended APY on any amount $15,000.01 and above.  For example, a qualifying account with a $16,000 balance will receive 5.00% APY on $15,000 and then 0.50% APY on $1,000. 

An Automated Clearing House (ACH) credit payment occurs whenever someone instructs the ACH network to “push” money from their account to someone else's. This could be an employer (often via some processing partner) pushing payroll to their employees, or a government agency pushing cash payments to eligible citizens.

A Business Interest Checking account is a checking account that allows eligible businesses to earn interest on their deposits—while still enjoying the flexibility of traditional checking features like check writing and online access.