COVID-19 Resource Center

At Carter Bank & Trust, caring is what we’ll always do best.

Lobbies Open By Appointment Only – Effective January 18, 2022

Letter from Litz H. Van Dyke, Chief Executive Officer, Carter Bankshares Inc. and Carter Bank & Trust


Health & Safety Guidelines

As of 7/28/2021, following the CDC’s latest masking guidelines, we encourage all visitors to our facilities to wear a face-covering while inside the building, regardless of vaccination status.

Carter Bank & Trust follows these and other guidelines to protect the safety of you, our employees, and all other members of our community.

Practice Hygiene

Practice good hand hygiene by washing your hands with soap and water or using alcohol or hand sanitizers. Sanitizer will be available at every entrance. 

Wear a Face-Covering

We encourage visitors to wear their face coverings inside our facilities regardless of vaccination status, following the latest guidelines. 

Set An Appointment

Please contact your local branch to schedule an appointment.

Alternative Banking Options

If you are experiencing symptoms of COVID-19 or are still concerned about entering our branch, we’re still here to process your transactions in the following ways:


Open during our regular business hours. Locate a  nearby branch.

Online Banking

Take advantage of our full suite of online and mobile digital tools.


We now have 5 ATMs at select branch locations, which can be found through our locations page. You can also access our 24/7 MoneyPass ATM network.


We’re here 24/7 with phone support. Call us at 833.275.2228

Latest Updates

Mask Requirement Lifted as of May 17, 2021

In accordance with updated guidance from the CDC, and VA and NC state governors, face coverings are no longer required for employees, customers, and vendors. 

Masks Required for In-Branch Service

In order to keep our branches open and continue to serve you safely, we are REQUIRING all customers to wear a face-covering to receive in-branch service. In addition, all of our teammates will continue to wear face coverings at all times.

Select Branches To Re-Open July 6, 2020

We are excited to announce that we will be re-opening the lobbies of select branches for walk-in service beginning July 6. We are still encouraging appointments at the convenience of our customers who wish to maintain social distancing.

Carter Bank & Trust Announces Loan Payment Relief Program
To support our customers and communities during these unprecedented times, effective March 23, 2020, Carter Bank & Trust’s COVID-19 Relief Program will help those dealing with financial hardships due to the virus.

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A Message from Our CEO
At Carter Bank & Trust, one of our highest priorities is the welfare of our customers and employees. We are proactively monitoring the developing situation, helping our employees to stay healthy and keeping your interests safeguarded.

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SBA No Longer Accepting PPP Loan Applications

Please note that the SBA is no longer accepting Paycheck Protection Program Loan Applications. If you currently have a loan application in process with Carter Bank & Trust, your assigned loan officer will continue to work diligently with you to process the loan before the June 30, 2021 deadline. 

Review the Latest PPP Guidelines from the Paycheck Protection Program Flexibility Act

On June 5, 2020, Congress passed the Paycheck Protection Program Flexibility Act (PPPFA) to provide businesses with more flexibility to acquire full forgiveness of their loans. Because of the COVID-19 pandemic, businesses have not yet been able to return to normal operations, making it difficult for them to spend the loan money within the original 8-week guidelines.

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Carter Bank & Trust Donates Over $72,000 to Community Food Banks Throughout Virginia and North Carolina

In alignment with its tradition of care, Carter Bank & Trust is donating $72,000 to food banks in communities throughout Virginia and North Carolina. This donation was allocated to fill a critical need for funding organizations focused on food security in response to the COVID-19 pandemic.

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Carter Bank & Trust Grants $25,000 to Feeding Southwest Virginia

At Carter Bank & Trust, we take great pride in caring for the customers and communities we serve. All of our communities have been severely impacted as a result of the COVID-19 virus, and this donation to Feeding Southwest Virginia is just us doing what we do best – caring. We believe that it will be received in the spirit in which it is given.

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Relief Programs

Loan Relief Program

The unprecedented pandemic related to COVID-19 will cause disruptions to business and household incomes. Carter Bank & Trust cares about its customers and the economic well-being of the communities we serve. The COVID-19 Loan Relief Program was designed to help our customers through a challenging time by reducing their short-term financial obligations.

Economic Impact Payments

Beginning April 15, Carter Bank & Trust customers began seeing their economic impact payments appear via direct deposit. If you have not yet received your Economic Impact Payment yet, here are a few resources to help you track it. 

World Health Organization

Access the latest global updates on COVID-19.

Center for Disease Control

Access resources and information for the United States.

Frequently Asked Questions

If I need to help with something other than a transaction, how do I set an appointment?

Lobby services will be provided by appointment only between the hours of 9 am – 4 pm, Monday through Friday, and 9 am – 12 pm on Saturdays at branches with existing Saturday hours. 9 am – 10 am hours are prioritized for elderly and/or immune impaired customers by appointment.

Please call your local branch to request an appointment. Let them know what you will need help with so that they can set an appointment with the right representative. Find the phone number for the branch closest to you.

Do not set an appointment if you or someone you know has been experiencing flu-like symptoms or have been tested for the flu or COVID-19.

Is my money still insured in a crisis?

Yes. Your money is still insured by the FDIC. Deposits with an FDIC-insured bank or savings institution will continue to be protected up to at least $250,000.


320 College Drive
Martinsville, VA 24112
Email Customer Service
NMLS# 523123

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