Carter Bank And Trust - Your Community Banking Partner

When thinking about where to keep your hard-earned money, finding a place that feels like it truly cares about your well-being can be a big comfort. Carter Bank and Trust, with its deep roots in Virginia and North Carolina, seems to be one of those places, offering a friendly hand for all your money matters. They are, you know, right there in the community, ready to help folks and businesses alike handle their finances with a sense of ease.

This bank, it turns out, has a wide array of choices for how you manage your funds, from personal savings to different ways for businesses to keep their accounts in order. It’s a bit like having a helpful neighbor who understands what you need, whether you are setting aside money for a future goal or looking for ways to make your business operations run a little smoother. They offer, so, various accounts and lending options, making it pretty simple to find something that fits just right for your unique situation.

And what’s more, they seem to really understand that life keeps moving, and you can't always get to a physical branch during regular hours. That's why, you see, they provide ways to handle your banking from wherever you happen to be, using digital tools that let you keep tabs on your money without missing a beat. It’s all about making your financial life less of a chore and more of a convenient part of your day, which is actually quite helpful.

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Table of Contents

• Your Financial Home with Carter Bank and Trust
  • What Kinds of Accounts Does Carter Bank and Trust Offer?
  • How Can Carter Bank and Trust Help My Business Grow?
• Banking Made Easy - Anywhere You Are
  • How Does Carter Bank and Trust Make Digital Banking Simple?
  • Finding Your Way - Carter Bank and Trust Locations and ATMs
• A Look at the Roots of Carter Bank and Trust
  • When Did Carter Bank and Trust Begin Its Story?
• Keeping Your Money Safe with Carter Bank and Trust
  • What Does FDIC Insurance Mean for Carter Bank and Trust Customers?

Your Financial Home with Carter Bank and Trust

Having a place where you feel comfortable handling your money matters can make a real difference in your daily life. Carter Bank and Trust, it seems, works to be that sort of place for folks living and working in Virginia and North Carolina. They offer personal banking options that help individuals manage their funds, whether it's for everyday spending or putting aside money for something special. Then, too, they extend their services to businesses, providing tools that help companies keep their financial operations running smoothly, which is often a big help for business owners.

What Kinds of Accounts Does Carter Bank and Trust Offer?

When you consider what Carter Bank and Trust provides, you will find a good selection of ways to handle your personal finances. For your regular spending, they have checking accounts, which are, you know, pretty standard for everyday transactions. If you are looking to save up for something, there are savings accounts that help your money grow a little over time. They also offer certificates of deposit, often called CDs, and money market accounts, which are other ways to save, sometimes with different features for accessing your money or earning interest. For those thinking about later years, they provide IRAs, which are retirement savings plans, actually.

Beyond saving and checking, Carter Bank and Trust also helps people with bigger life purchases. They offer mortgages for buying a home, and HELOCs, which are home equity lines of credit, allowing you to borrow against the value of your house. If you need a smaller sum, they have personal loans, which can be used for various needs, and auto loans for when you are looking to buy a vehicle. And, of course, they provide credit cards, which offer a way to make purchases and build credit history, which is generally quite useful for many people.

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How Can Carter Bank and Trust Help My Business Grow?

For businesses operating in Virginia or North Carolina, Carter Bank and Trust provides specific ways to manage their finances. They offer checking account choices that can really assist with a company’s daily money flow. These accounts, for example, come with a set number of free monthly transactions, like 250 or 500, which can be a real benefit for businesses that have a lot of incoming and outgoing payments. This kind of arrangement helps companies keep their operational costs down a bit, allowing them to focus more on their actual work.

Working with the people at Carter Bank and Trust, it seems, means you can get assistance with all sorts of money matters for your business. Whether it is about setting up the right kind of account or just making sure your daily transactions are handled efficiently, they aim to be a helpful partner. This support is pretty important for any business, big or small, that needs reliable ways to handle its funds and ensure everything is accounted for. It's about having a team that can help you keep your business finances in good shape, which is, honestly, a huge relief for many business owners.

Banking Made Easy - Anywhere You Are

In our everyday lives, being able to handle things quickly and without too much fuss makes a big difference. Carter Bank and Trust seems to understand this, offering ways for you to take care of your money whenever and wherever it suits you. They have tools that let you manage your accounts without needing to visit a physical location, which is, you know, a real time-saver for many people. It means you can fit your banking tasks into your schedule, rather than having to adjust your day around bank hours.

How Does Carter Bank and Trust Make Digital Banking Simple?

Carter Bank and Trust offers ways to manage your money through online and mobile banking. This means you can get things done using their app, called Carter On The Go, or by visiting their website. With these tools, you can move money from one account to another, which is pretty convenient when you need to shift funds around. You can also pay your bills directly through the system, saving you the trouble of writing checks or going to different payment sites, which is actually quite useful for keeping track of expenses.

Beyond just moving money and paying bills, these digital tools from Carter Bank and Trust let you deposit checks using your phone, which is a neat trick that saves a trip to the branch. You can also keep an eye on your credit score, which is a good way to stay informed about your financial standing. All these features are designed to give you more control over your money, allowing you to check balances, transfer funds, or pay bills anytime you need to, which is, basically, what many people look for in a bank today.

They have also updated their website, so you can visit the new carterbank.com to get into your accounts, find a nearby branch, or locate an ATM. It’s all about making it simple for you to access the services you need, no matter where you are or what time it is. This kind of flexibility is, really, a big plus for anyone with a busy schedule, letting you handle your financial tasks without much fuss at all.

Finding Your Way - Carter Bank and Trust Locations and ATMs

When you need to speak with someone in person or get cash, knowing where to go is pretty important. Carter Bank and Trust has a presence across Virginia and North Carolina, with 65 branches available to serve customers. This means that, for many people in these states, there is likely a branch not too far away, making it convenient to pop in for a chat or to handle transactions that might require a personal touch. The bank, it turns out, serves customers from a total of 123 locations, showing a wide reach across the region.

Finding a cash machine is also made easier with Carter Bank and Trust. You can search for ATMs not only at their own branches but also through their partners at MoneyPass. This partnership is a good thing because it means you do not have to worry about paying extra fees when you use these specific ATMs, which is, you know, a common concern with other bank machines. So, whether you are near a Carter Bank branch or a MoneyPass location, getting access to your cash is straightforward and does not cost you extra, which is definitely a nice benefit.

For certain tasks, like getting your debit card ready to use, choosing a personal identification number, or changing it, you can simply make a call. This option provides a direct way to handle these specific card-related needs without having to go anywhere in person. It’s a convenient way to manage your card’s security and usability, which is, actually, a pretty important part of everyday banking. Just pick up the phone, and someone can help you with those particular items.

It is worth noting that if you click on a link that takes you away from the Carter Bank website, you will get a message letting you know you are leaving their site. For instance, if you were looking for information on another bank, like Central National Bank, or using a directory like Usbanklocations.com, the bank makes sure you are aware that you are going to an external page. This is just a way to keep you informed about where you are on the internet, which is, in a way, a helpful heads-up.

A Look at the Roots of Carter Bank and Trust

Every organization has a beginning, and for Carter Bank and Trust, that story started not too long ago. Understanding a bit about where a bank comes from can give you a sense of its stability and purpose. This bank has grown quite a bit since its early days, establishing itself as a significant financial presence in its home region. It's interesting to see how a financial institution builds its foundation and expands its ability to serve a community, which is, you know, a process that takes time and effort.

When Did Carter Bank and Trust Begin Its Story?

Carter Bank and Trust first opened its doors in December of 2006. Its main office is located in Martinsville, Virginia. Since that time, the bank has grown to hold a substantial amount of assets, totaling $4,796,721,000. This growth shows that the bank has been able to serve many people and businesses, building up its financial strength over the years. It’s a pretty good indicator of how much trust the community has placed in them, which is, in some respects, what any bank aims for.

The bank operates as a part of a larger group, Carter Bankshares Inc., meaning it is a subsidiary of that company. According to the official records from the Federal Deposit Insurance Corporation, often called the FDIC, Carter Bank and Trust is considered a commercial bank. It has a state charter, which means it operates under rules set by the state, and it is not a member of the Federal Reserve System. The FDIC is the organization that supervises the bank, ensuring it follows the rules and stays financially sound, which is, actually, a very important role for any bank.

Keeping Your Money Safe with Carter Bank and Trust

One of the most important things when choosing a place for your money is knowing that it is secure. People want to feel confident that their savings and checking accounts are protected, no matter what. Carter Bank and Trust, like many banks, has measures in place to give customers that peace of mind. It’s about having a reliable system that helps guard your funds, so you can focus on your life without constant worry about your money’s safety, which is, really, a basic expectation for any financial institution.

What Does FDIC Insurance Mean for Carter Bank and Trust Customers?

A key aspect of keeping your money safe with Carter Bank and Trust is that your deposits are insured by the FDIC. This means that if something unexpected were to happen to the bank, your money, up to certain limits, would be protected. It is a government-backed guarantee that provides a layer of security for your funds, giving you a sense of confidence when you put your money into an account there. This insurance is a standard protection offered by many banks, and it is, you know, a very good thing to have.

Knowing that your money is insured by the FDIC can help you feel more at ease about keeping your funds with Carter Bank and Trust. It removes a significant worry for many people who are looking for a secure place to manage their finances. This protection covers various types of accounts, including checking and savings accounts, as well as CDs and money market accounts. So, basically, it is a way of ensuring that your hard-earned money is safe and sound, which is, in a way, the most fundamental thing a bank can offer its customers.

When it comes to holidays, like Juneteenth, Carter Bank will be closed on that Thursday, June 19, to observe the day. However, they will be open during their usual business hours on Friday, June 20. This is just a reminder that while the branches might be closed on certain days, you can still handle many of your banking needs through their online and mobile services. You can conveniently check your account balances, move money between accounts, or pay bills anytime using those digital tools, which is, you know, a pretty helpful option when the physical locations are not open.