Classic Checking

Classic Checking

This basic checking account is free of a monthly maintenance fee. There are no balance requirements, and you can write as many checks as you want!

We offer Online Account Opening for Classic Checking, get started now.

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.


Minimum Balance to Open No minimum required
Monthly Fee No monthly fee
Checks Unlimited check writing
Overdraft Services
Review overdraft service options
Online Banking & Bill Pay
Free access to Online Banking
Online Bill Pay $4.50 per month
Customer Service
1-800-NBT-BANK (1-800-628-2265)
E-mail NBT Bank
Go to our Switch Kit
Statement Options

Portfolio Statements
Image Statements $5.00 per month

Online Account Opening Open your account online
Mobile Banking Standard message and data rates apply.