|Holiday Club Accounts||All-Purpose Club Account||First Home 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 |
|Additional Features||Requires auto transfer deposits. Minimum transfer amount = $1, no partial withdrawal allowed, 52 week term |
**Excessive Activity Fee = $3 per item
Interest is compounded and paid annually by check or automatic transfer to another NBT Bank checking or savings account.
No partial withdrawals are allowed. There is a $10 fee for early account closing.
**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.