Youth and Young Adults


Start building your savings skills early
with iStrive Savings for youth and young adults.


This paperless account features:

At age 24***, your financial skills will allow you to confidently transition into other NBT banking products that best fit your lifestyle.

We now offer Online Account Opening for iStrive Savings, get started now.


Minimum Balance to Open No minimum required
Interest Bearing Paid on the following tiers:
  • $0.01 < $2,500
  • $2,500 < $10,000
  • $10,000 and over
Interest Payment Frequency Quarterly or Monthly if Combined Statement
Statement Options eStatements
Customers who have not enrolled in eStatements within 90 days from account opening will be charged a $2 fee for every paper statement mailed.
Account Maintenance Excessive Activity Fee of $3 per item**
Online Account Opening Open your account online


*Standard message and data rates may 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.
***If under the age of 18, iStrive accounts must be opened as joint accounts with the other owner at least 18 years of age.