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’re top-rated, three times, in overall customer satisfaction.
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.
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
eChecking
- 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
- Debit Card
- 24/7 ATMs with no deposit slip required
- Apple Pay®, Google Pay® and Samsung Pay®
- Send friends and family money with Zelle®
- eStatements
Checking Account Benefits
- No monthly balance requirement
- Seamless Digital Banking
– Register Now >> - Mobile Deposit
- Fraud Protection
- Overdraft Protection
- Customize your card
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If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.