Apply for a Business Checking Account Online

Everyday banking for your business just got better

We make applying for an NBT Bank Checking account simple, so you can focus on what matters most – your business.

Below are the details of opening a basic Business Checking account online.

Or, learn more about our business checking accounts with account management services.

First things first.

Here's what you need to apply:

Step one

First you’ll need to provide some basic details about your business such as name, address, industry and TIN.

Step two

Then you’ll you need to tell us a bit about yourself:

  • Are you an owner, controlling officer or majority stockholder with at least 20% ownership of the business?
  • We will also need your name, address, SSN, government ID
Step three

Then you’ll need to tell us about individuals and their roles for your business.

  • Signers which will have signing authority and access to the bank account.
  • Beneficial owners are individuals who own 20% or more of the business.
  • Control Person is an individual designated to manage and direct a legal entity customer.
Step four

Last, you will need to provide documentation associated with your business.

Required documents for your business type.


  • Certificate of Incorporation (this document is filed with the State)

Limited Liability Company (LLC) / Limited Liability Partnership (LLP)

  • Articles of Organization (this document is filed with the State)
  • Operating Agreement (not required for VT)


  • Partnership Agreement
  • Assumed Name Certificate (aka DBA) – Filed with the county in NY or with the State in CT, MA, ME, NH, PA or VT – ONLY Required if operating under a different name than the one in the Partnership Agreement​

Sole Proprietorship (DBA)

  • Assumed Name Certificate (aka DBA)

Business Checking

With a $25 minimum opening balance to apply and no monthly maintenance fee, our Business Checking account1 is a great option for many businesses.

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  • No monthly balance requirements
  • Minimum to open - $25 (Online)
  • Minimum to open - $0 (In Branch)
  • No charge for the first 350 items (debits and credits combined) per statement period – $0.50 per item over 350.
  • Digital Banking – No monthly fee for Basic Service Suite. Other service packages available.
  • Overdraft Protection with our Star Business Advantage Line of Credit2
  • Mobile Banking for Business with Mobile Deposit3

1Business accounts are not to be used for personal, family, or household use.
2Subject to credit approval
3Standard data and message rates

Statement Options

  • eStatements
  • eStatements with images
  • Mailed statements
  • Mailed Statements with Images - fees apply

Include all your accounts on one easy-to-read Combined Statement.