Enjoy a full online banking experience with this paperless account. 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.

We offer Online Account Opening for eChecking, get started now.


Minimum Balance to Open No minimum required
Minimum Balance to Earn Interest $100 collected balance

Paid on the following tiers:
Tier 1 = $100 to $2,499.99
Tier 2 = $2,500 and over
Overdraft Services
Review overdraft service options
Online Banking & Bill Pay
Access to Online Banking & Bill Pay
Customer Service
1.800.NBT.BANK (1.800.628.2265)
E-mail NBT Bank
Go to our Switch Kit
Statement Options
Online Account Opening Open your account online
Mobile Banking Mobile Banking with Mobile Deposit.*


* Standard message and data rates may apply.