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Routing Number:  051403957


Decorative cartoon man with big question mark behind himWhere are Carter Bank & Trust offices located?

Carter Bank & Trust has 109 office locations across Virginia and North Carolina. To find the nearest office, click on the CB&T Locations and Hours.

What is needed to open an account?

Two forms of valid identification including a photo ID are required to open an account. The applicant must be of legal age and have the required minimum deposit amount for the account being opened. Visit any CB&T office to get started.

Does CB&T have internet banking?

Carter Bank & Trust currently does not offer internet banking, but to do so in 2018.

What are CB&T's hours of operation?

Office hours vary by location. To find the office nearest you, visit our Locations and Hours page.

Carter Bank & Trust is closed on Sundays and holidays observed by the Federal Reserve Bank. CB&T closes early on Christmas Eve.

Are deposits FDIC insured? If so, by how much?

Yes. All deposit accounts are FDIC-insured up to the maximum amount allowed by law.

Does Carter Bank & Trust offer overdraft protection?

Overdraft protection is not available. The fee for overdrafts is $25 with a maximum of $75 per day.

Does CB&T have ATM machines?

No. However, the Carter Bank & Trust Debit MasterCard is accepted at ATMs displaying the MasterCard logo.

What is the Carter Bank & Trust Debit MasterCard?

It is an enhanced banking card that allows purchases without 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 life easier?

The CB&T Debit MasterCard can be used to:

  • Make purchases at millions of places worldwide where Debit MasterCard is accepted
  • Get cash at ATMs that accept MasterCard

Is there a record of the transactions?

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. Shopping with the debit card on the Internet, by phone, or in person is safe. If the card is lost or stolen or if the card number is used without permission, there is zero liability for unauthorized purchases.

How can I get a card?

Apply at any Carter Bank & Trust location. To find the nearest office, visit the Locations and Hours page.

Who do I call if I lose my card?

Debit Card Support
To report a lost or stolen debit card, please call
24 hours a day, 7 days a week

For card activation, PIN selection, and PIN change, please call
24 hours a day, 7 days a week

For debit card questions, please call
Monday - Friday from 9:00 am to 5:00 pm
Saturday from 9:00 am to 12:00 pm

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