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Welcome to iStrive

Youth and young adults: apply your financial education with iStrive, a unique set of purely digital products and services designed to help you succeed as you progress from one life stage to the next up to age 24.* By age 24, your financial skills will allow you to confidently transition into other NBT Banking products that best fit your lifestyle.

iStrive Savings

Think beyond your piggy bank or secret stash—allow your money to grow as you save with iStrive Savings. Earn tiered-interest on your balance as you start your path to a strong financial future. This paperless account features eStatements, no monthly fees, no minimum balance.
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iStrive Checking

Gain financial independence with iStrive Checking. With no monthly fees and no minimum balance requirements—start flexing your money management skills with ease. iStrive Checking is a great way to help you manage income from your first summer job through the start of your career. iStrive Checking is completely digital to complement your lifestyle, so no checks or paper statements to worry about. All your needs are answered online. Learn more>>

iStrive Debit

Your iStrive Debit is FREE with your iStrive Checking and iStrive Savings.** Access your accounts at ATMs or make purchases wherever VISA® debit is accepted. Transactions are automatically deducted from your account to make managing your balance easier.

Not near an NBT ATM? No problem. NBT Bank will waive its foreign transaction fee to ensure you can access your money where and when you need it most. Other banks' surcharges still apply when you use ATMs not operated by NBT Bank. Learn more >>

College Rewards VISA® Card

If you're a college student with limited credit history, here's a card that will help you take a giant step into responsible credit use. The College Rewards VISA® Card allows you to establish a solid credit history while earning valuable rewards.
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Secured VISA® Card

If you need to improve or re-establish your credit history, here's a great way to begin that process. With the Secured VISA® Card, you establish a savings account that is pledged as security for your credit card account. You'll enjoy the convenience of credit, including the option to carry a balance while earning interest on your savings account.
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Subject to credit approval. The creditor, issuer and service provider of your Credit Card is Elan Financial Services.

The NBT Bank Smart Option Student Loan by Sallie Mae®

NBT Bank* has partnered with Sallie Mae® to offer you an opportunity to finance your pursuit of higher education at degree-granting institutions. This loan provides an opportunity to help you pay for college expenses not covered by scholarships, financial aid packages or federal loans.
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*NBT Bank is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.

* If under the age of 18, iStrive accounts must be opened as joint accounts with the other owner at least 18 years of age.
**ATM cards may be issued to minors who are at least 15 years of age.