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

Go Premium! Choose from one of our Premium Checking Accounts and enjoy additional services, benefits, added savings, protection and security. Just look for Premium Package under Special Features in the chart below to learn more.

All of our checking accounts feature:

  • Free access to online banking and Mobile Banking*
  • Free NBT Banker Cash and Check Card. (No monthly fee or per item fees for purchases)
  • Free 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 Free Paid on the following tiers:
  • $100 to $2,499.99
  • $2,500 and over
Offers free Online Banking and Bill Pay

eStatements required

NEW - Open your account online
Classic Checking No minimum required Free Non-Interest Bearing NEW - Open your account online
Classic Premium Checking No minimum required Premium Package fee is $5 per month Non-Interest Bearing Premium Package offering valuable discounts, important protection and additional savings

Star Privilege Premium Plan

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

Link up to 4 other checking, savings and/or money market accounts and pay no monthly maintenance fee ($14.50) when the combined average daily collected balance is $5,000 or more

Non-Interest Bearing

Premium Package offering valuable discounts, important protection and additional savings

Classic Interest Checking

No minimum required

Pay no monthly maintenance fee when:

  • Average daily collected balance is $500 or more, or
  • Age 50 or over

Paid on the following tiers:

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

 

Interest Premium Checking

No minimum required

Premium Package fee is $5 per month. Pay no monthly maintenance fee ($6) when:

  • Average daily collected balance is $500 or more
  • Age 50 or over

Paid on the following tiers:

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

Premium Package offering valuable discounts, important protection and additional savings

iStrive Checking No minimum required Free Non-interest Bearing Eligible for iStrive Checking ages 15-24. Offers free Online Banking with optional Bill Pay; free Autolink Transfer Service with iStrive Savings; eStatements required.
NEW - Open your account online