Carter Bank & Trust

Headquarters: Martinsville, Virginia
Charter: Bank
Assets: $4.8B
Fed district: Richmond

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 3, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Carter Bank & Trust: $30
Carter Bank & Trust: $30
U.S. median: no median
Non-Network ATM
Carter Bank & Trust: $1
Carter Bank & Trust: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Carter Bank & Trust: $30
Carter Bank & Trust: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Carter Bank & Trust’s own schedules, with a source for each figure.

Account Maintenance

Account is closed within 90 days$15
Dormant Fee – No transactions for 730 days (2 years): Per account, per month (audience not stated, treated as personal)$10
per month
Dormant Fee – No transactions for 730 days (2 years): Per account, per month (audience not stated, treated as personal)$7
per month
Inactive Fee – No transactions for 365 days (1 year): Per account, per month (audience not stated, treated as personal)$5
per month
Inactive Fee – No transactions for 365 days (1 year): Per account, per month (audience not stated, treated as personal)$3
per month

Overdraft & NSF

Insufficient Funds Charge - Returned$30
per item
Overdraft Transfer Fee (audience not stated, treated as personal)$5
per item

ATM & Card

Each ATM Balance Inquiry (audience not stated, treated as personal)$1
per item
Replacement Card Fee$10
per item
Replacement Card Fee Per Card$10
per item
Expedited Debit Card Order Fee Per request$45
per item

Wire Transfers

Domestic Outgoing Wire Fee Per request$30
per item
Domestic Incoming Wire Fee Per request$15
per item
International Outgoing Wire Fee$50
per item
International Incoming Wire Fee Per request$50
per item

Check Services

Cashier’s Check Fee$10
per item
Stop Payment Fee$35
per item
Collection Fees (Items sent for special collection)$35
per item

Cash & Deposit

Additional or replacement night depository bag$40
per item
Night depository key replacement$10
per item

Account Services

Notary for CustomersNo charge
Safe Deposit Box (SDB) – Annual Rental Fees$30
per year
Safe Deposit Box 10 X 10$100
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)$100
Safe Deposit Box 10 X 15$125
Safe Deposit Box 10 X 15 (audience not stated, treated as personal)$125
Safe Deposit Box 3 X 10$55
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$55
Safe Deposit Box 3 X 5$35
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)$35
Safe Deposit Box 5 X 10$75
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)$75
Safe Deposit Box 5 X 5$50
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)$50
SDB Late payment$15
Not compared: Box drilling or key fee
SDB Lost Key$20
Not compared: Box drilling or key fee
Tax Lien/Levy/Garnishment Fee Per request$100
per item
Written Verification of Deposit or Loan Fee Per request$5
per item

Other Fees

Additional Statement Copies Per statement$10

Fee	Amount	Basis	Note
Account Maintenance
Account is closed within 90 days	$15	Not stated	None
Dormant Fee – No transactions for 730 days (2 years): Per account, per month (audience not stated, treated as personal)	$10	per month	None
Dormant Fee – No transactions for 730 days (2 years): Per account, per month (audience not stated, treated as personal)	$7	per month	None
Inactive Fee – No transactions for 365 days (1 year): Per account, per month (audience not stated, treated as personal)	$5	per month	None
Inactive Fee – No transactions for 365 days (1 year): Per account, per month (audience not stated, treated as personal)	$3	per month	None
Overdraft & NSF
Insufficient Funds Charge - Returned	$30	per item	None
Overdraft Transfer Fee (audience not stated, treated as personal)	$5	per item	None
ATM & Card
Each ATM Balance Inquiry (audience not stated, treated as personal)	$1	per item	None
Replacement Card Fee	$10	per item	None
Replacement Card Fee Per Card	$10	per item	None
Expedited Debit Card Order Fee Per request	$45	per item	None
Wire Transfers
Domestic Outgoing Wire Fee Per request	$30	per item	None
Domestic Incoming Wire Fee Per request	$15	per item	None
International Outgoing Wire Fee	$50	per item	None
International Incoming Wire Fee Per request	$50	per item	None
Check Services
Cashier’s Check Fee	$10	per item	None
Stop Payment Fee	$35	per item	None
Collection Fees (Items sent for special collection)	$35	per item	None
Cash & Deposit
Additional or replacement night depository bag	$40	per item	None
Night depository key replacement	$10	per item	None
Account Services
Notary for Customers	No charge	Not stated	None
Safe Deposit Box (SDB) – Annual Rental Fees	$30	per year	None
Safe Deposit Box 10 X 10	$100	Not stated	None
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)	$100	Not stated	None
Safe Deposit Box 10 X 15	$125	Not stated	None
Safe Deposit Box 10 X 15 (audience not stated, treated as personal)	$125	Not stated	None
Safe Deposit Box 3 X 10	$55	Not stated	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$55	Not stated	None
Safe Deposit Box 3 X 5	$35	Not stated	None
Safe Deposit Box 3 X 5 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 5 X 10	$75	Not stated	None
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)	$75	Not stated	None
Safe Deposit Box 5 X 5	$50	Not stated	None
Safe Deposit Box 5 X 5 (audience not stated, treated as personal)	$50	Not stated	None
SDB Late payment	$15Not compared: Box drilling or key fee	Not stated	None
SDB Lost Key	$20Not compared: Box drilling or key fee	Not stated	None
Tax Lien/Levy/Garnishment Fee Per request	$100	per item	None
Written Verification of Deposit or Loan Fee Per request	$5	per item	None
Other Fees
Additional Statement Copies Per statement	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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