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:

  • 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

Our Online Account Opening feature will be undergoing maintenance from Saturday, December 20 at 10:00 p.m. through 8:00 a.m., Sunday, December 21. All applications submitted during this time will not be processed or retrievable. We apologize for any inconvenience.

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

Open your account online
Classic Checking No minimum required 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

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


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.
Open your account online