Youth and Young Adults




Start managing your spending with confidence
with iStrive Checking.


For ages 15-24, this account will supply you with all the tools and resources you need to manage your budget and keep up with your social life. By age 24, you will transition into our other banking products and services that best suit your lifestyle.

This paperless account allows you to manage your money with ease with these great benefits.

NEW for you - we now offer Online Account Opening for iStrive Checking, get started now.


Minimum Balance to Open No minimum required
Monthly Fee No monthly fee
Checks None
Overdraft Services
Free Autolink Transfer Service when linked to your iStrive Savings
Online Banking & Bill Pay
Free access to Online Banking
Free optional Online Bill Pay
Customer Service
1.800.NBT.BANK (1.800.628.2265)
E-mail NBT Bank
Go to our Switch Kit
Statement Options

eStatements ONLY

Customers who have not enrolled in eStatements within 90 days from account opening will be charged a $2 fee for every paper statement mailed.

Additional Services

Free iStrive Debit Card
No foreign transaction fees at ATMs not operated by NBT Bank.
Other banks' surcharges still apply when you use ATMs not operated by NBT Bank.
Direct Deposit
Over 125 branches in NY, NH, VT, PA, MA
Over 160 ATM locations

Online Account Opening NEW - Open your account online
Mobile Banking Standard message and data rates apply.