Club Accounts

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

Holiday Club Accounts

Save for the holidays and earn interest with our Holiday 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
Payment Frequency Annually
Customer Service 1-800-NBT-BANK (1-800-628-2265)
E-mail NBT Bank
Statement Options eStatements
Portfolio Statements
Additional Features Interest is compounded and paid annually by check or can be automatically transfered to another NBT Bank checking or savings account.

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

 **Excessive Activity Fee = $10 per item

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.