Open an Account Online

Open a Checking or Savings Account

NBT Bank offers several options to help you choose the account that's right for you. Used correctly, these accounts can be a great way to manage your daily cash flow needs or even the first step toward your financial goals.


Classic Checking

  • No minimum balance
  • No interest
  • No fees account


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

iStrive Checking

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

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.

Personal Statement Savings

  • No minimum to open
  • No monthly maintenance fee
  • Interest paid on balances $25 or more


  • Manage your account completely online
  • Interest paid on balances of $100 or more

iStrive Savings

  • No minimum balance requirement
  • No monthly maintenance fee
  • Earn interest on your account balances

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.

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If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.