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Business & Commercial Checking

You have a business to run and grow. NBT Bank offers a variety of checking accounts that meet the daily cash management needs of our small business and commercial customers so you can easily manage cash flow and focus on what you do best — running your business.

Free Business Checking

With no minimum to open and no monthly maintenance fee, our Free Business Checking account is a great option for many businesses.

Features

  • No minimum amount required to open
  • No monthly maintenance fee
  • No charge for the first 350 items (debits and credits combined) per statement period – $0.50 per item over 350.
  • Online Banking – No monthly fee for Basic Service Suite. Other service packages available.
  • Overdraft Protection with our Star Business Advantage Line of Credit*
  • Mobile Banking for Business with Mobile Deposit**

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.

Opening An Account

For more information about opening an account, visit one of our convenient offices, call us at 1.800.NBT.BANK or email us at customerservice@nbtbank.com.

* Subject to credit approval

**Standard data and message rates

Business Interest Checking

This interest-bearing business checking account is available to qualified sole proprietors and not-for-profit organizations.

Features

  • No minimum balance required to open
  • Maintain a minimum balance of $1,000 to earn interest
  • $10 monthly maintenance fee if average daily collected balance falls below $1,000
  • No charge for the first 50 items (debits and credits combined) per statement period – $0.25 per item over 50.
  • NBT Bank Business Debit Card
  • Online Banking – No monthly fee for Basic Service Suite. Other service packages available.
  • Overdraft Protection with our Star Business Advantage Line of Credit*
  • Mobile Banking for Business with Mobile Deposit**

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.

Opening An Account

For more information about opening an account, visit one of our convenient office locations, call us at 1.800.NBT.BANK or email us at customerservice@nbtbank.com.

* Subject to credit approval

**Standard data and message rates

Commercial Checking

If your business maintains higher balances and has a significant amount of activity on a monthly basis, this analyzed account may be right for you. Commercial Checking features a variable earnings credit that is used to partially or completely offset monthly maintenance and per item fees.

Features

  • No minimum balance required to open
  • Consult your NBT Banker for details on monthly and per item fees
  • Earnings credit may offset service charges
  • NBT Bank Business Debit Card
  • Overdraft Protection with our Star Business Advantage Line of Credit*
  • Online Banking – No monthly fee for Basic Service Suite. Other service packages available.
  • Mobile Banking for Business with Mobile Deposit**

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.

Opening An Account

For more information about opening an account, visit one of our convenient office locations, call us at 800.NBT.Bank or email us at customerservice@nbtbank.com.

* Subject to credit approval

**Standard data and message rates

Online Banking

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Cash Management

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Debit & Credit Cards

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Enroll in eStatements.

Maximize your convenience, enhance security and easily manage all your account statements.

Learn More

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Protect yourself.

Visit our Fraud Information Center for valuable tips to protect your business.

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