| Free Business Checking | Business Interest Checking | Business Premium Checking | Commercial Checking |
| This interest-bearing business checking account is available to qualified sole proprietors and not-for-profit organizations. |
| Minimum Balance to Open | No minimum required |
| Minimum Balance to Earn Interest | $1,000 |
| Monthly Maintenance Fee | Pay no monthly maintenance fee ($10) with an average daily collected balance of $1,000 or more |
| Debits and Credits | First 50 items paid or deposited per statement period are FREE $0.25 per item over 50 |
| Business Debit Card | Available free of monthly and per item fees if Business Interest Checking is primary checking account |
| Online Banking | Free access with Basic Service Package Free Bill Pay |
| Statement Options | eStatements Portfolio Statements Image Statements $2.00 per month |
| Overdraft Protection | Star Business Advantage Line of Credit |
| Customer Service | 1-800-NBT-BANK (1-800-628-2265) E-mail NBT Bank |
| Additional Services | Free Visa® Debit Card |