Carter Bank Routing Number: Virginia Banking Guide

What is the Carter Bank & Trust routing number?

Carter Bank & Trust uses routing number 051403932 for all ACH transactions and electronic transfers. Carter Bank & Trust is the wholly-owned banking subsidiary of Carter Bankshares Inc., headquartered in Martinsville, Virginia, with branches across Virginia and West Virginia.

Carter Bankshares has over $4.5 billion in assets and has been serving communities in Virginia and West Virginia for over a century. The bank focuses on relationship-driven commercial and retail banking, offering deposit accounts, lending products, and treasury management services.

How to find your Carter Bank & Trust routing number

Routing number 051403932 is printed on the bottom-left of your Carter Bank & Trust checks. You can also locate it through the bank's online banking platform by viewing your account details, or through the Carter Bank & Trust mobile app.

Carter Bank & Trust branch locations throughout Virginia and West Virginia can confirm your routing number in person. Customer service is also available by phone to verify your routing number and assist with electronic transfer setup.

Carter Bank & Trust direct deposit and ACH

To set up direct deposit, provide your employer with Carter Bank & Trust routing number 051403932 and your account number. The bank processes payroll, Social Security, and other government deposits on standard ACH timelines.

Carter Bank & Trust supports full ACH services including automated bill payments, payroll processing for business customers, and external account transfers. Online banking provides tools for managing recurring payment schedules and transfer configurations.

Carter Bank & Trust wire transfers

Carter Bank & Trust facilitates domestic wire transfers using routing number 051403932. Wire transfers can be initiated at branch locations or through the bank's wire transfer department. Incoming domestic wires typically settle on the same business day.

International wire services are available through Carter Bank & Trust for customers needing cross-border payments. Contact your local branch for details on international wire fees, processing times, and required documentation.

Business banking with Slash

Carter Bank & Trust provides community banking to Virginia and West Virginia businesses. For companies needing modern digital banking tools, Slash offers instant ACH and wire transfers, unlimited virtual cards, automated expense management, and real-time financial reporting — all from a single digital platform.

Slash empowers businesses with multi-entity management, team spending controls, native integrations with accounting software, and up to 2% cashback on card spend, making it ideal for companies seeking to modernize their financial operations.