COVID-19 Resource Center

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

Latest Updates

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.

Read More

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.

Read More

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.

Read More

As of Monday, March 23, 2o20, all account deposit and withdrawal transactions will be directed to the Drive-Thru.

One of our highest priorities is the health of our staff, customers, and the well-being of the communities we serve.

Drive-Thru Hours

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

Lobby Hours

By Appointment Only
Monday – Friday, 9 – 10 am – service for individuals who are high-risk due to health concerns or COVID-19 related concerns
Saturday, 9 am – 12 pm

Hours may vary based on location.

Customer Contact Center Hours

Due to an increase in the number of calls received in the Customer Contact Center during peak times of the day, we are temporarily changing our hours of operation beginning Monday, April 27, 2020. 

Monday-Friday: 8 am – 6:30 pm
Saturday: 9 am – 5 pm


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.


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

Visit Our Website