Personal: Other Services


ATM/Debit Cards (Savings Accounts Only)

  • Access to your available account balance 24 hours a day
  • Everyday ability to make deposits (Carolina Bank ATMs at bank premises only)
  • Inquire about account balances and transfer funds

Debit Card

  • Debit MasterCard
  • Conveniences of an ATM plus purchase power at any MasterCard merchant worldwide
  • Purchases are electronically deducted from your checking account, with no interest or additional charges

Lost or Stolen Debit Card


smsGuardian - protecting your Carolina Bank MasterCard debit card 24/7!

Sign up for smsGuardian and receive text alert messages regarding specified transactions on your debit card.  If you believe the transaction to be fraudulent simply respond with the given code to block your card from any further fraudulent use.  You don’t need to do anything if the transaction is legitimate.

smsGuardian will send you a text notification if one of the following transactions occur:

  • Out of State Transactions
  • Card Not Present Transactions (i.e., Authorizations by Phone or Online)
  • International Transactions

Here is a sample of a text message you might receive:

CB & T Guardian Alert card XXXX - card # key entered at ABC Store for $9999.99 - Reply AA1234NO if unauthorized.  Reply STOP to cancel alerts.

Click here for more information or to enroll.

Credit Cards

Imagine owning a credit card that rewards you with travel, cash, gift certificates, or merchandise! Now Carolina Bank offers a card that can do just that. Choose from our Visa© Platinum Card, Cash Rewards American Express© Card, Visa© Real Rewards Card or Premier Rewards American Express© Card. Whichever you choose, you’ll find a card that will add value to your buying experience along with the convenience of making one monthly payment. 

Choosing the right credit card is easier than ever. No matter which card you choose, you'll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!

Through its partnership with Elan Financial Services, Carolina Bank is able to offer these exciting cards with valuable benefits to its customers. Pick the best rewards card for you!  or Apply Now

For existing credit card customers, click here to access your account.