Carter Bankshares, Inc. is the bank holding company for Carter Bank & Trust, offering retail and commercial banking products and insurance services in the United States. Its deposit products include checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company provides commercial loans (secured and unsecured, real estate construction and acquisition, and commercial and industrial), consumer loans (automobiles, home improvements, education, overdraft protection, personal, and residential mortgages), home equity lines of credit, and credit cards, and it originates and holds fixed and variable rate mortgage loans. Additional services include safe deposit boxes, direct deposit, debit cards, online and mobile banking, bill payment, electronic statements, mobile deposit, Zelle, credit monitoring, digital wallet, MoneyPass, ATM services, title insurance, and treasury and corporate cash management. Founded in 1974, Carter Bankshares is headquartered in Martinsville, Virginia.