Carter Bank & Trust combines the convenience of a larger bank - there are 120 locations in Virginia and North Carolina - with the personal service and affordability of a neighborhood bank.The branch strives to focus on the needs of the community it serves, providing free checking for life and fees much lower in comparison to those of larger banks. With services like savings and CD accounts, IRAs and auto loans, Carter Bank & Trust is a more personal alternative to the more well-known banks.