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Checking Accounts

Earn cash rewards with your Rewards Checking account.  For additional savings open our Rewards Savings.

  • Free account
  • Earns 2.25% APY on balances up to $10,0001
  • 0.25% APY on balances above $10,000
  • No minimum balance required
  • Nationwide ATM refunds up to $25 per cycle
  • No penalties

Easy Qualifiers For Rewards Checking:

  • Make 11 debit card transactions posted & settled each cycle
  • One automatic transaction (direct deposit or ACH debit)
  • Enroll and receive e-Statements each month

1Qualifiers for Rewards Checking must be met during statement cycle to earn 2.25% APY.  

Non-qualifying rate: 0.11% (if qualifiers are not met wtih each statement cycle)

 

Choose the free checking account that pays you back — Carter Cash Back pays you 3.00% cash back* on your everyday debit card purchases. For additional earnings open our Rewards Savings account! Earning these rewards is simple. 

  • Free account
  • No minimum balance required
  • No monthly service fees
  • Earns 3% cash back on debit card purchases up to $300
  • No penalties
  • Nationwide ATM refunds up to $25 per cycle
  • For additional earnings, open a Rewards Savings and earn more!

Easy Qualifiers For Carter Cash Back Checking:

  • Make 11 debit card transactions posted & settled each cycle
  • 1 ACH automatic transaction (direct deposit or ACH debit)
  • Enroll and receive estatements each month

*Cash back earned on debit card purchases up to $300 per statement cycle. Qualifiers must be met to receive ATM refunds. 

Carter Classic Checking offers competitive dividend earnings for customers who maintain a higher monthly balance. There is no monthly service charge when a daily balance of $1,000 or greater is maintained. .

  • No monthly service fees1
  • Earns exceptional dividends

1 Must maintain $1,000 daily balance to avoid $7 monthly service charge

Carter's Free Checking account helps keep things simple for you. Our Free Checking account is great as a household account.

  • Free account
  • No minimum balance required
  • No monthly service fees
  • Free VISA debit card
  • Free electronic statements, mobile and video banking