Business Checking

You have a business to run and grow. NBT Bank offers a variety of checking accounts that meet the daily treasury 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.


  • 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 locations, call us at 1.800.NBT.BANK or email us at [email protected]

* Subject to credit approval

**Standard data and message rates

NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Microsoft Edge, Mozilla Firefox or Google Chrome.

Please visit,, or to download the current version(s).

If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.