With our flexible, convenient line-up of checking products, you can find a checking account to meet all your needs.

All of our checking accounts feature:

  • Access to online banking and Mobile Banking* with Mobile Deposit
  • NBT Bank Debit Card. (No monthly fee or per item fees for purchases)
  • eStatements
  • Access to convenient branch and ATM locations
  • Click here for information about other additional services

*Standard Message and Data rates apply

Account Name Balance Fees Interest Special Features
eChecking No minimum required to open   Paid on the following tiers:
  • $100 to $2,499.99
  • $2,500 and over
Includes Online Banking with Bill Pay


Open your account online
Classic Checking No minimum required to open  No monthly maintenance fee. Non-Interest Bearing Open your account online

Star Privilege Premium Plan

$5,000 or more in up to 4 linked accounts

$14.50 monthly maintenance fee, waived if the combined average daily collected balance of up to 4 linked checking, savings, or money market accounts is $5,000 or more.

Non-Interest Bearing


Classic Interest Checking

No minimum required to open

$6 monthly maintenance fee waived if the average daily collected balance is $500 or more and/or customer is age 50 and over.

Paid on the following tiers:

  • $100 to $2,499.99
  • $2,500 and over

Complimentary specialty gray checks or receive 50% off designer checks if age 50 and over.

iStrive Checking No minimum required to open eStatements. Customers who have not enrolled in eStatements within 90 days from account opening will be charged a $2 paper statement fee for each statement mailed. Non-interest Bearing Eligible for iStrive Checking ages 15-24. Offers Online Banking with optional Bill Pay; Autolink Transfer Service with another NBT Bank account; eStatements.
Open your account online