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

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

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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.
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