Interest Checking

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:
  • Average daily collected balance is $500 or more, or
  • Age 50 or over
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 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 eStatements
Portfolio Statements
Image Statements $5.00 per month
Mobile Banking Standard message and data rates apply.