Carter Bank & Trust provides a range of retail and commercial banking products and services in Virginia and North Carolina. It accepts checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposit. The company also offers loans, such as 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, direct deposit of payroll and social security checks, and automated drafts for various accounts. As of December 31, 2018, the company operated 105 branches. Carter Bank & Trust is headquartered in Martinsville, Virginia.