Personal Checking Accounts

Everyday banking just got better.

We've got digital solutions for every transaction.
Our checking accounts have all the convenience your lifestyle demands. Enjoy fast, friendly service with easy access to your money. Several bank accounts have no minimums to open and no balance requirements. We make every day checking easy with the best online and mobile options so you can pay your bills and loans online, anywhere, anytime.

See for yourself why we rated as one of Forbes World’s Best Banks in 2022.

OPEN AN ACCOUNT Forbes World's Best Banks

Checking Account Options

NBT Bank offers several options to help you choose the account that's right for you. Open your new account below or in branch today. Continue reading more on how we are making banking easier.

Classic Checking

  • No monthly balance requirement
  • No interest

Classic Interest Checking

  • Account earns interest based on tiered balances
  • $6 monthly maintenance fee can be waived based on account criteria


  • Manage your account completely online
  • Account earns interest based on tiered balances

NBT iSelect Account

  • No monthly balance requirement
  • No overdraft fees

iStrive Checking

  • Account for youth and young adults up to age 24
  • Get special features and easy ways to waive fees

Simplify banking with these convenient checking services

Checking Account Benefits