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Checking Accounts

Earn amazing rewards with your My Carter Rewards Checking account! This free account is great for debit card users and offers nationwide ATM fee refunds. There are no minimum balance requirements or service fees…simply a great checking with a great rate!

  • Free account
  • Earns 2.50% APY on balances up to $10,0001
  • 0.51% APY on balances above $10,000
  • No minimum balance required
  • Nationwide ATM refunds up to $25 per cycle
  • No penalties

Easy Qualifiers For Beyond 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

Apply Now

1Qualifiers for Beyond Rewards Checking must be met during statement cycle to earn 2.50% APY

Choose the free checking account that pays you back — Carter Cash Back pays you 3.00% cash back* on your everyday debit card purchases. That’s not all…Also enjoy up to $25 in refunds on ATM fees* nationwide!

Earning these rewards is simple. You are probably already qualified so you can start earning your cash back right away!

  • 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

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

Apply Now

*Cash back earned on debit card purchases up to $300 per statement cycle

Carter Classic Checking offers competitive dividend earnings for members who maintain a higher monthly balance. Members can avoid the monthly service charge by maintaining a daily balance of $1,000.

  • No monthly service fees1
  • Earns exceptional dividends

Apply Now

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

Apply Now