Free Business Checking

With no minimum to open and no monthly maintenance fee, our Free Business Checking account is a great option for many businesses.

• The first 350 items paid or deposited per statement period are free. Items over 350 are $0.50 each.
• Free NBT Banker Business Check Card (no monthly or per item fees)
• Free Basic access to NBT Online Banker for Business with Bill Pay
• Free Visa® Extras Rewards Program

Business Premium Checking

Our Business Premium Checking account allows you to leverage your overall relationship with NBT Bank to gain added value. Link up to four other business checking, savings and/or money market accounts to this account, and you'll pay no monthly maintenance fee when the combined average daily balance in the linked accounts is $20,000 or more.

• The first 500 items paid or deposited per statement period are free. Items over 500 are $0.25 each.
• Free NBT Banker Business Check Card (no monthly or per item fees)
• Free basic introductory pack of business checks or a credit of up to $75 may be applied to any other business check style
• Free Basic or Enhanced access to NBT Online Banker for Business with Bill Pay or a 50% discount off Advanced access
• Remote Deposit Capture free for three months
• Free Basic access to NBT Online Banker for Business with Bill Pay
• Free Visa® Extras Rewards Program
  

Commercial Checking

If your business maintains higher balances and has a significant amount of activity on a monthly basis, this analyzed account may be right for you. Commercial Checking features a variable earnings credit that is used to partially or completely offset monthly maintenance and per item fees.

Monthly maintenance fee $10.00
Checks paid $0.17 each
Foreign checks deposited $0.15 each
Deposit tickets $0.25 each

This account also features:

• Free Basic access to NBT Online Banker for Business with Bill Pay
• Free Visa® Extras Rewards Program
  
  
  

Business Interest Checking

This interest-bearing business checking account is available to sole proprietors and not-for-profit organizations. If the average daily collected balance falls below $1,000, a monthly maintenance fee is assessed.

• Interest is paid on collected balances of $1,000 or more.
• The first 50 items paid or deposited per statement period are free. Items over 50 are $0.25 each.
• NBT Banker Business Check Card available free of monthly and per item fees if Business Interest Checking is the primary checking account.
• Free Basic access to NBT Online Banker for Business with Bill Pay
• Free Visa® Extras Rewards Program

HSAs are the latest news in affordable health care. Anyone who has a High-Deductible Health Plan (HDHP) is eligible for an HSA, regardless of age or income bracket. Maximize your health care dollars with a Health Savings Account from NBT Bank and enjoy the following convenient features:

FEATURE	DESCRIPTION
Minimum to open	None
Monthly minimum balance required	None
Interest-bearing checking	Yes
Debit card	Free HSA debit card for easy account access*
Checks	Free (Limited to special design checks, that include a supply of deposit tickets)
Monthly maintenance fee	$2.50
Online Banker	Free NBT Banker Online Access and $4.50 for Bill Pay**
Set-up fee	One-time fee of $35
Monthly statement	Portfolio statement that will detail the Health Savings Account and other NBT Bank accounts you may have.
Easy Account Access	24-hour access through our NBT Banker Line (1-800-NBT-BANK)
Investment Option — HSA Certificate of Deposit	Invest unused dollars from your Health Savings Account Terms: Range from 12 months to 60 months Minimum to open $1,000 Additional desposits allowed — one time annually

Easy payment and account access with your Health Savings Account Card.

Did you know?

• HSA contributions may come from pre-tax income.
• Withdrawals from your HSA are used to pay for qualified medical expenses.
• HSA balances carry over from year to year, building savings for medical needs over time.
• Your accumulating HSA balance gains tax-free interest until retirement at age 65. You may withdraw funds upon retirement and pay only normal income taxes.
• An HSA is owned by an individual, not a company or your employer. It does not terminate when employment ends. It is yours.
• HSA funds can eventually be used to pay for elder care or long-term care. You can even use HSA funds to purchase long-term care insurance, tax-free.
  

Business Savings and Retirement Plans

Saving for the future is important for you and your employees. From basic savings options to a full range of retirement planning services, NBT Bank can help you to position your business for success.

Business Statement Savings

Money Market Accounts

Certificates of Deposit

Retirement Plans

• Traditional and Simple IRAs
  
• Simplified Employee Pension Plans
  
• Individual 401(K) Plans
  
• Individual Defined Benefit Plans
  
• Keogh Plans
  
• Profit Sharing Plans

Night Deposit Service

Night Depository Services are available to enable you to make deposits conveniently after banking hours. Deposits are kept safe overnight and are automatically deposited into your account on the next business day.

Merchant Services

Our Merchant Services provide you with a secure, cost-effective payment processing solution that will enable you to handle your customers' credit and debit card purchases with ease

NBT Banker Business Check Card

Enjoy the convenience of the NBT Banker Business Check Card. You can use this card to access your checking and savings accounts at ATMs. The NBT Banker Business Check Card may be used wherever VISA® debit is accepted, so you can pay for purchases quickly and easily. Your purchases are automatically deducted from your checking account with no checks to write and no need to present identification or courtesy cards.