Carter Bank & Trust (the Bank) is a state-chartered community bank. The Bank conducts commercial banking business in Virginia and North Carolina. The Bank provides a range of financial services with retail, and commercial banking products and insurance. The Bank offers a full range of deposit accounts, including its core product, Lifetime Free Checking, free online banking and mobile banking, online account opening, and commercial, small business and personal loan products and services. The Bank also offers a range of commercial and personal loans. Commercial loans include both secured and unsecured loans. Consumer loans include secured and unsecured loans for financing automobiles, home improvements, education and personal investments. Its other bank services include safe deposit boxes, direct deposit of payroll and social security checks, and automated drafts for various accounts.