Employee Banking – Star Banking at Work

Star Banking at Work is a direct-deposit program that offers valuable benefits for both employees and employers. Your employees will love the additional banking and financial benefits they gain by participating in the program.

Employer Benefits

• Reduced company costs
• No administrative hassles
• Improved payroll security
• Maximum flexibility
• Simplified payroll distribution
• Enhanced employee satisfaction

Employee Benefits

•  FREE Classic Checking (Ask about upgrading to Classic Premium Checking)
• FREE checks**
• NBT Banker Cash and Check Card with no monthly fee
• Safe Deposit Box‡ credit of up to $15 toward the rental fee for the first year
• FREE Online Banking with Billpay.
   
• Visa® with no annual fee*
• 0.50% discount off a Personal Installment Loan*†
• $100 credit toward the closing costs for a Home Equity Loan or Line of Credit (one coupon per application)*†
• $250 credit toward the closing costs for a residential mortgage (one coupon per application)*†
• FREE personal financial review with one of our licensed financial consultants
• Decision within 24 hours on an installment loan or Chek-Gard Line of Credit (overdraft protection) application*

NBT Bank created the Star Banking at Work Program for the benefit of its customers and their employees and reserves the right to alter the program at any time.
‡ Subject to availability
* Subject to credit approval
† With automatic deduction of payment from an NBT Bank checking account
** Basic check design

Additional Options

We will develop a plan that is designed to meet the needs of you and your employees. We offer employee benefit options that include the following:

• Estate and retirement planning
• Pensions and profit sharing plans
• 401(k)s, Keoghs and IRAs
• Investment management services
• Brokerage services