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Government Savings

Building savings and cash reserves is critical to achieve long-term stability for municipalities and other government agencies. We offer multiple options to maximize your savings.

For more information on any of our savings options, contact one of our relationship managers.

Government Certificates of Deposit

Local governments may invest their excess funds in certificates of deposit with maturities from seven days to several years, depending upon their cash flow needs. The interest on certificates of deposit is calculated on an actual 360-day basis and payable at maturity. Government banking customers can open certificates of deposit by phone or by visiting a local NBT Bank office.

Rates quoted on Government CDs are subject to change throughout each day, based on market conditions and collateral availability. Once a CD is opened, the rate is fixed until the CD matures. At maturity, a CD can be either credited to the customer's account or held pending the customer's instructions.

Government Money Market Account

NBT Bank offers money market deposit accounts* to local governments for excess funds, as well as short and medium-term liquid investments. These accounts pay interest monthly and have tiered rates based on the balances maintained. Interest rates are variable rates and subject to change with market conditions.

*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 Statements are monitored by statement cycle.

An excessive activity fee of $10 per item is applied when the limits described above are exceeded.

Government Savings Account

NBT Bank offers government savings accounts* to local governments for excess funds and short and medium-term liquid investments. Interest is paid to the accounts quarterly, and the rate is a variable rate and subject to change with market conditions (a minimum balance of $1,000 is required to earn interest).

*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 Statements are monitored by statement cycle.

An excessive activity fee of $10 per item is applied when the limits described above are exceeded.

Insured Cash Sweep Service

Our Insured Cash Sweep (ICS) service is a smart, secure and convenient way to safeguard your large deposits and reduce ongoing collateral-tracking requirements. By working directly with a bank you already know and trust you can receive coverage through many banks. Once you have set up a transaction account with us, your deposits are sent to money market accounts at other member institutions in amounts under the FDIC insurance maximum of $250,000.

Earn interest
Put funds to work in money market deposit accounts.

Enjoy peace of mind
Your ICS funds are eligible for multi-million dollar protection that's backed by the full faith and credit of the United States Government.

Maintain access to funds
Withdraw ICS funds up to six times per month.

Save time
By providing access to FDIC Insurance through a single bank relationship, ICS can help your public unit comply with investment policy mandates. And with access to FDIC insurance, you can reduce your ongoing collateral-tracking requirements. This means you have the freedom to spend more time accomplishing your public unit's goals.

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