Open an account Online

Earn up to $150 with these accounts and jump start your savings plan

CHECKING

Open a Checking Account

$100 Bonus 1, 2
New NBT Personal Checking Account Customer

Earn $100 Bonus - by opening an NBT Checking Account, making a direct deposit*

OR

$50 Bonus 1, 2
Current NBT Personal Checking Account Customer

Earn $50 Bonus - with direct deposit*

HEALTH SAVINGS ACCOUNT

Open an HSA Account

$50 Bonus 1, 2
New Health Savings Account (HSA)

Earn $50 Bonus - by opening an NBT Health Savings Account, making a direct deposit*

Open your account online today!

Classic Checking

  • No minimum balance
  • No interest
  • No fees account

eChecking

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

Health Savings Account

A Health Savings Account (HSA) is a tax-exempt account established for High Deductible Health Plan (HDHP) holders exclusively for the purpose of paying qualified medical expenses.

24/7 Digital Banking

Access your checking and savings accounts online or on your mobile device. Check balances, transfer funds, pay bills, and more. There are lots of features to make banking easier at home or on the go.

Bonus Terms

*After confirmed enrollment directly through the [email protected] online portal or after properly completing the [email protected] enrollment form

Bonus payments may be reported on IRS form 1099 for the year in which the bonus was paid. Maximum 1 Checking Account Bonus and 1 HSA Bonus per [email protected] employee. Cannot be combined with any other offer(s). NBT Bank may change or terminate this bonus program at anytime. All personal checking account products are eligible for this offer. Visit nbtbank.com/compare for details and to compare account features before choosing an account. Early account closure fee of $15 applies to all accounts if the account is closed within 90 days of date the account was opened. Bonus will be credited to the account directly and the health savings bonus will count towards your contribution limits for the year in which the credit was made.

Bonus will be credited to the account within 90 days after 1) enrollment in the [email protected] program by the [email protected] Employee has been confirmed; and 2) the initial direct deposit from participating [email protected] employer has been credited to the account. Enrollment is confirmed after the [email protected] employee enrolls directly through the [email protected] online portal or after a properly completed [email protected] enrollment form is received.