Manage your savings through a full online banking experience with this paperless account. Interest is accrued daily on balances of $100.00 or more based on the tiers outlined below and credited to your account quarterly.

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


Minimum Balance to Open No minimum required
Interest Bearing Paid on the following tiers:
Tier 1 = $100 to $2,499.99
Tier 2 = $2,500 to $9,999.99
Tier 3 = $10,000 and over
Minimum Balance to Earn Interest $100 available daily balance
Interest Payment Frequency Quarterly or Monthly if Combined Statement
Online Banking & Bill Pay Access to Online Banking (Must have primary checking account for Bill Pay Service)
Customer Service 1-800-NBT-BANK (1-800-628-2265)
E-mail NBT Bank
Statement Options eStatements
Other Miscellaneous Fees Excessive Activity Fee of $10 per item**
Online Account Opening Open your account online
Mobile Banking Mobile Banking with Mobile Deposit*


*Standard message and data rates apply.

**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 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.