Classic Interest Checking

Classic Interest Checking

Earn interest on the balances in your account with this checking option. Interest is accrued daily based on the following tiers and credited to your account each month.


Minimum Balance to Open No minimum required
Monthly Maintenance Fee Pay no monthly maintenance fee when the average daily collected balance is $500 or more and/or customer is age 50 and over.
Checks Complimentary specialty gray checks or receive 50% off designer checks if age 50 and over
Interest Bearing Paid on the following tiers:
Tier 1 = $100 to $2,499.99
Tier 2 = $2,500 and over
Minimum Balance to Earn Interest $100 collected balance
Overdraft Services Review overdraft service options
NBT Online Banker with Bill Pay
Customer Service
1-800-NBT-BANK (1-800-628-2265)
E-mail NBT Bank
Go to our Switch Kit
Statement Options eStatements
Combined Statements
Image Statements $5.00 per month
Mobile Banking Mobile Banking with Mobile Deposit*


* Standard message and data rates may apply.