| Free Business Checking | Business Interest Checking | 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. |
| Minimum Balance to Open | No minimum required |
| Monthly Maintenance Fee | Pay no monthly maintenance fee ($20) with an aggregate average daily collected balance of $20,000 or more in up to 4 linked accounts |
| Debits and Credits | First 500 items paid or deposited per statement cycle are FREE $0.25 per item over 500 |
| Business Debit Card | Free (no monthly or per item fees) |
| Online Banking | Free Online Banker access with the Basic or Enhanced Service Package with Bill Pay or a 50% discount off the Advanced Service Package ($14.95 per month) |
| Statement Options | eStatements |
| Overdraft Protection | Star Business Advantage Line of Credit |
| Special Features | Free basic introductory pack of business checks or a credit of up to $75 may be applied to any other business check style Remote Deposit Capture free for three months (a $225 value) |
| Customer Service | 1-800-NBT-BANK (1-800-628-2265) |
| Additional Services | Free Visa® Debit Card |