Club Accounts

  Holiday Club Accounts All-Purpose Club Account   First Home Club Account

All-Purpose Club Account

Save for a special event, such as a vacation or wedding, with our All-purpose Club account. Open your account anytime by setting up an automatic transfer from another NBT Bank checking or savings account. Choose the transfer amount (as little as $1) and frequency (weekly, bi-weekly or monthly) that works for you.


Minimum to Open No minimum required
Monthly Maintenance Fee
No monthly maintenance fee
Minimum Balance to Earn Interest $0.01 Collected Balance
Interest Payment Frequency Annually
Customer Service 1-800-NBT-BANK (1-800-628-2265)
Email NBT Bank
Statement Options eStatements
Portfolio Statements
Additional Features Requires auto transfer deposits. Minimum transfer amount = $1, no partial withdrawal allowed, 52 week term

**Excessive Activity Fee = $10 per item

Interest is compounded and paid annually by check or automatic transfer to another NBT Bank checking or savings account.

Balance forwarded by check or transferred into account at 1 yr. from date of opening

No partial withdrawals are allowed. There is a $10 fee for early account closing.

Account Opening Options


**Federal Banking regulations place limitations on certain transfers and withdrawals from savings and money market accounts. Withdrawals or transfers made by automatic, pre-authorized, telephonic agreement order, or instruction, check, draft, debit card, or similar order made from this account to other accounts or to third parties are restricted to no more than six per monitoring period. The monitoring period for all savings and Cosmic Kids accounts except those tied to checking accounts with portfolio statements is monthly up to the quarterly statement date. Money market accounts and savings accounts with portfolio statement are monitored by statement cycle.