The ACH and direct-deposit number depends on the U.S. state where you opened your account; domestic wires use 051 402 932 (cross-checked against public directories, not confirmed by the bank).
Direct deposit, payroll, and ACH transfers.
051402932
Incoming and outgoing domestic wire transfers.
9 numbers · 9 cross-checked
| Routing number | Use | State | Verification | Checked | Copy |
|---|---|---|---|---|---|
| 051 402 932Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 403 643Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 403 957Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 404 040Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 404 697Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 404 930Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 405 434Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 405 476Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 | |
| 051 405 492Cross-checked | ACH · Wire | VAACH · Wire | Cross-checked | June 28, 2026 |
These appear for Carter Bank & Trust in public routing data but haven't met our cross-check bar — treat them as leads, not answers. Don't use one without confirming it with Carter Bank & Trust first.
Where to look: a check, online banking, the mobile app.
Look at the bottom-left of a Carter Bank & Trust check — the first 9 digits are your routing number.
Or sign in to online or mobile banking and open your account or routing details.
Or call the number on the back of your card and ask for the ABA routing number for your account.
Confirm the number with the bank before using it for direct deposit or a transfer.
The ACH and direct-deposit number depends on the U.S. state where you opened your account; domestic wires use 051 402 932 (cross-checked against public directories, not confirmed by the bank). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.
Yes. Carter Bank & Trust assigns ACH and direct-deposit routing numbers by the U.S. state where you opened your account. Check the bottom-left of a Carter Bank & Trust check, your account details in online or mobile banking, or the routing-number table on this page to find the one for your state. Domestic wires use a single routing number regardless of state.
Use the ACH and direct-deposit number for payroll, direct deposit, and everyday transfers. Use the wire number for domestic wire transfers, which also need the recipient's name and address. The two are not interchangeable — sending an ACH payment with a wire routing number (or the reverse) can be rejected, so match the number to the transfer type.
Your routing number is the first 9 digits in the bottom-left of a Carter Bank & Trust check, or in your online and mobile banking under account or routing details. You can also call the number on the back of your card. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.
Carter Bank & Trust is a bank headquartered in Martinsville, VA.
Every number passes the standard ABA checksum. 9 are cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Carter Bank & Trust before sending money.
No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Carter Bank & Trust.
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