Government Checking

NBT Bank offers several checking options to local governments. Whether you choose a basic checking account or one that bears interest, both of our government checking accounts provide unlimited check writing abilities with service charges that may be offset by an earnings credit based on balances you maintain in the account.


  • No minimum required to open
  • Consult your NBT Banker for details on monthly and per item fees and interest rates
  • Earnings credit may offset service charges
  • Online Banking – no monthly fee for basic service with bill pay
  • Mobile Banking for Business with Mobile Deposit with no fee*

Statement Options

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

Opening An Account

For more information about opening an account, contact one of our relationship managers.

* Standard data and message rates.