Carter Bank & Trust, together with its subsidiaries, provides a range of retail and commercial banking products and services in Virginia and North Carolina. It accepts lifetime free checking, interest checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposit. The company also offers loans comprising secured and unsecured commercial loans; secured and unsecured consumer loans for financing automobiles, home improvements, education, and personal investments; real estate construction and acquisition loans; and fixed and variable rate mortgage loans. In addition, it provides safe deposit boxes, travelers' checks, direct deposit of payroll and social security checks, and automated drafts for various accounts, as well as general insurance agency services to customers and other third parties. As of December 31, 2017, the company operated 110 branches. Carter Bank & Trust is headquartered in Martinsville, Virginia.