Money Market Accounts

Money Market Account   Premium Money Market Account   Star Money Market Account

Money Market Accounts

When you are looking for high growth potential with a check writing option, a money market account is the choice for you. We offer three personal money market account options to meet your needs.

With all of our money market options, you'll earn competitive tiered rates that increase with your balance.

  • Interest is compounded and paid monthly
  • There are no limits to withdrawals and transfers when made in person or by ATM. Certain transfers and withdrawals are limited to six per month.**


Minimum Balance to Open No minimum required
Monthly Maintenance Fee & Balance Requirements
$5 Monthly Maintenance Fee if the average balance falls below $1,000
Interest Bearing Paid on the following tiers:
$1,000 - $25,000
$25,001 - $75,000
$75,000 and over
Minimum Balance to Earn Interest $1,000 Collected Balance
Customer Service 1-800-NBT-BANK (1-800-628-2265)
E-mail NBT Bank
Statement Options

Portfolio Statements

Miscellaneous Fees
Excessive Activity Fee = $3 per item
Additional Features You must have an existing or new checking account to qualify.

NBT Banker Cash and Check Card can be attached to your money market account as a secondary account for ATM access only.


**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.