COVID-19 Resource Center

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

Latest Updates

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.

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.

Read More.

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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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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Select branch lobbies are accepting walk-in service. 

Walk-in service is available at many of our branch locations. However, hours of operation may change without notice in order to keep our customers and branch personnel as safe as possible. If you plan to conduct business at a branch facility, please contact that branch to confirm operating procedures and hours. 


New Service Hours for Re-Opened Branches

Lobby Hours

Monday – Friday, 9 am – 5 pm
Saturday, 9 am – 12 pm

Drive-Thru Hours

Monday – Thursday, 8:30 am – 5 pm
Friday, 8:30 am  – 6 pm
Saturday, 8:30 am – 12 pm

    All other branches will maintain Drive-Thru service & Lobby service by appointment only until further notice. Hours may vary based on location.

    Banking Options

    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.

    ATM Locator

    Access our 24/7 MoneyPass ATM network.


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

    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. 

    Small Business Administration Program 

    Businesses who applied for the Paycheck Protection Program will need to make sure they are able to prove their funds are being used in accordance with the guidelines for full forgiveness.

    The Carter CARES Task Force and the entire Carter Bank & Trust family is working diligently to provide continued updates and support to small businesses, individuals, and communities. Read more about the current guidelines. 

    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

    Will branches remain open for service?

    In compliance with the government’s request to minimize interpersonal exposure, we have decided to continue business in our lobbies through appointment only and take business as usual through the drive-thru.

    What if a branch does not have a drive-thru?

    Branches without drive-thru service options will have special instructions for lobby services. All personal and small business account transaction services will be provided by appointment only.

    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.


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    Martinsville, VA 24112
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