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Frequently Asked Questions
 What is the Carter
Bank & Trust Debit MasterCard?
It's an enhanced banking card that lets you
make purchases without the hassles of carrying cash or writing
checks. Purchase amounts are automatically deducted from
the Carter Bank & Trust checking account that is linked to the
card.
How can this card make my life easier?
It's very convenient because you can use the
card to:
How would I keep track of my debit card transactions?
It's easy! Your checking account
statement will include a listing of all purchases made,
including the merchant name, the purchase date, and the amount
spent.
Is it safe to use a debit card to pay for purchases?
Yes. You can shop with the debit card on
the Internet, by phone, or in person. If your card is lost
or stolen or if your card number is used without your
permission, you'll have zero liability for unauthorized
purchases. Exceptions Apply.
How can I get a card?
Simply apply at any of our convenient
locations. To find the location closest to you, visit our
Locations page.
What are the
locations of your offices?
We have 123 office locations located
throughout Virginia and North Carolina. To find your
closest office, you may search our
locations page.
What do I need
to open an account?
In order to open an account with us, we
require two forms of valid identification, the account holder
must be of legal age, and the required minimum deposit amount
for the account in which you are opening. You may visit
any one of our local offices and set up an account within
minutes. Some accounts offer debit cards and unlimited
check writing abilities while others offer very competitive
interest rates.
Do you have
online banking?
We currently do not offer online banking to
our customers. Our biggest concern at Carter Bank & Trust is online
security for our customers. We want to develop secure
online banking that protects the accounts that you open.
What are your
hours of operation?
Our office lobbies are open from 9:00 AM to
1:00 PM and 2:30 PM to 5:00 PM Monday through Friday and on
Saturdays from 9:00 AM to 12:00 PM. The drive through is
open from 7:00 AM to 7:00 PM Monday through Saturday. We
are closed on Sundays.
*Lobby hours vary by location
What is the
cut-off time for deposits?
Currently, all deposits made before 1:00 PM
will be posted to your account the same day. Any deposit
made to your account after 1:00 PM will be posted on the
following business day.
Are my deposits
FDIC insured? If so, by how much?
Yes. All deposit accounts are FDIC
insured up to the maximum amount allowed by law, which is
currently $250,000 per depositor, subject to aggregation rules.
Do you offer
overdraft protection?
We do not offer overdraft
protection to our customers. Our current fee for all
overdrafts is $25 with a maximum of $75 per day.
Do you have ATM
machines?
Carter Bank & Trust does not have ATM
machines. However, you may use your debit card at all
other ATMs.
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