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Premium Checking options
go savego healthygo safe

Open or upgrade to any Premium Checking Account and take advantage of valuable benefits that help save you money, protect your credit, identity and finances and keep you healthy. If you need additional health benefits, travel for business or pleasure, love to shop, or are looking to save on things to do with the family - Premium Checking is for you. Stop by your local NBT Bank office to open your Premium Checking Account today!

Enjoy these Premium Package benefits for a low monthly fee. The fee is waived when you open a Star Privilege Premium Plan.

Banking Benefits

As a Premium Checking Account holder you will enjoy additional banking benefits such as:

  • Free Specialty Gray checks (wallet style) or you can receive a 50% discount on Designer Checks (wallet style).
  • Pay just $2.50 per month for Bill Pay with NBT Online Banker - a savings of $2 per month. Bill Pay is free with the Star Privilege Premium Plan.

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Everyday Savings

Let every hard-earned dollar stretch further with all of the savings benefits included in your Premium Checking Account. From everyday expenses to vacations, there are savings around every corner.

Savers Club®
Members have everyday savings right at their fingertips! The Savers Club® book and website are filled with deals and discounts that can be used all year long.

Existing Members: Take advantage of your benefits: www.saversclub.com

View Savers Club® FAQ.

Everyday Rebate Rewards1
Get rewarded for purchasing items you use every day! Get 10% back, up to $10 per quarter, just for sending in receipts from your normal purchases! That's up to $40 each year!

View Everday Rebate Rewards FAQ.

Everywhere Cash SavingSM 2
Saving has never been easier! Shop online through the Everywhere Cash Savings website and receive cash back on qualifying purchases or select from a wide variety of coupons to print and use in-store.

With the Savings on Tap® Mobile Coupon app, available for Apple and Android devices, it's easy to take your savings with you everywhere you go.

Existing Members: Take advantage of your benefits: www.everywherecashsavings.com

Download the Savings on Tap® app available on the Everywhere Cash Savings website to save on the go!

View Everywhere Cash SavingsSM FAQ

Bonus Travel3
Earn a cash back bonus after traveling! Members simply book their travel using the Bonus Travel Service. After completing their trip members can collect a 5% cash back bonus on all eligible bookings.

View Bonus Travel FAQ.

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Health & Wellness

Give your health the attention it deserves with the wellness benefits included in your Premium Checking Account.

Vision Plan4
Valuable eye care savings for the entire family! Receive discounts on prescription eyeglasses and contacts at over 22,000 participating optical providers nationwide. Save on eye exams and laser vision correction surgery at participating locations. Vision Plan offers savings members and their family can use as often as they like.

View Vision Plan FAQ.

RxAdvantage™ Prescription Drug Program4
Members can save on prescriptions purchased from one of more than 64,000 participating pharmacies. Also, enjoy a discount on the retail price when purchasing through a convenient mail-order service. Participating pharmacies include both national and regional chains and many supermarket pharmacy departments.

View RxAdvantage™ Prescription Drug Program FAQ.

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Personal Protection

The Premium Checking Account provides you with peace of mind by offering you protection for your credit, identity and finances.

$10,000 Accidental Death & Dismemberment Insurance5
Members will be insured for up to $10,000 in Accidental Death & Dismemberment Insurance 24 hours a day. The coverage is divided equally among co-owners of joint accounts and reduces 50% at age 70. Dismemberment benefit is paid as a percentage of the Accidental Death coverage.

View ADD Insurance FAQ.

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Credit Alert®6
With 24-hour daily credit monitoring through one of the major credit reporting agencies, members will be alerted automatically of certain negative changes to their credit. While it can't prevent identity theft, Credit Alert can reduce its impact by allowing members to minimize the damage.

  • If there are no changes to their credit, members will receive a quarterly notification letting them know that nothing has changed.
  • Credit Information Hotline:
    Monitoring one's own credit is important, but understanding it is essential. Credit Information Hotline provides toll-free support to ensure that members fully comprehend all the details of their credit history.

The request for the 24-hour daily credit monitoring benefit will be initiated at the time of enrollment. Members will receive ongoing notifications regarding their Credit Alert benefit.

View Credit Alert® FAQ.

Identity Theft Insurance7
Members have up to $10,000 in financial compensation for covered expenses incurred in the recovery of their stolen identity.

View Identity Theft Insurance FAQ.

Identity Fraud Support Services
Receive guidance in the recovery process from professionals who can help with notifying creditors, organizing paperwork, and more.

Program Notes

1At the end of each quarter, send an Everyday Rebate Rewards request form and receipts for up to $100 of purchases to receive 10% back for a total of up to $10 each quarter (up to $40 annually). Receipts must be a minimum of at least $10 each quarter and membership must be active at time of purchase and redemption to receive a rebate.

2For cash back rewards, you must access the retailer's link through the Everywhere Cash Savings website provided. Purchases you make by going directly to a participating merchant's website do not qualify for cash back. Rewards will be issued automatically via check and mailed within 90 days from date of purchase or when your minimum awards amount reaches $2.00, whichever is later. Visit www.everywherecashsavings.com for complete terms and conditions. Participating merchants may change at any time without notice. Merchant restrictions and limitations are provided through each merchant's landing page.

33The cash bonus applies only to travel purchased through Bonus Travel as detailed in the membership materials we will send you. Group travel, meals, taxes, gratuities, and other miscellaneous expenses do not apply. Membership must be active at time of request and redemption.

4For all health discount benefits, the Optum HealthAllies discount plan is administered by HealthAllies®, Inc, a discount medical plan organization. For a complete list of providers in your area, visit www.provider.optumhealthallies.com. The Optum HealthAllies discount plan is NOT insurance. The discount plan provides discounts at certain health care providers for medical services. The discount plan does not make payments directly to the providers of medical services. The discount plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. HealthAllies, Inc. is located at P.O. Box 10340, Glendale, CA 91209, 1-800-251-0003., www.provider.optumhealthallies.com, ohacustomercare@optum.com. The program and its administrators have no liability for providing or guaranteeing service or the quality of service rendered. MA residents: The plan is not insurance coverage and odes not meet the minimum creditable coverage requirements under M.GL.L.c111M and 956 CMR 5.00. The range of discounts for specified medical, pharmacy or ancillary services provided under the plan will vary depending upon the type of provider and the type of services received. Health discounts are not available in all states. Please go to www.provier.optumhealthallies.com to check availability in your state.

55Disclosure: Accidental Death Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. The coverage described in this literature may not be available in all jurisdictions. This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions and limitations apply. Chubb, Box 1615, Warren, N.J. 07061-1615. This program is administered by Affinion Benefits Group, LLC.

6Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert service may be modified or improved at any time and without prior notice. Credit Alert is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, certain negative information, accounts, public records or change of address that have been added to their credit reports as reported by one of the major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notifi cation stating that no information has changed within their credit file.

Affinion Benefits Group, the provider of the Credit Alert service, or its credit information subcontractors shall not have any liability for the accuracy of the information contained in the Credit Alert reports which you receive, including any liability for damages, direct or indirect, consequential or incidental. The service is not a credit counseling or repair service and does not promise to help you obtain a loan or improve your credit record, history, or rating.

7The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of the program, through Financial Services Association ("FSA" or the "Association"). Upon enrollment in the program, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (collectively, the "Company") under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in the program. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

The insurance offered is not a deposit, not FDIC insured, not an obligation of or guaranteed by the bank or an affiliate, and is not insured by any agency of the U.S.