| Interest Checking | Interest Premium 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:
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| Checks | Unlimited check writing Age 50 and over, free specialty gray checks or 50% off designer checks |
| 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 Serivces | 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 | eStatements Portfolio Statements Image Statements $2.00 per month |
| Additional Services | Free Visa® Debit Card |