NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our enhanced website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Internet Explorer, Mozilla Firefox or Google Chrome.

Please visit Microsoft.com, Google.com, or Mozilla.org to download the current version(s).

To directly access an account login page please use the links below:
NBT Online Banker | eStatements | NBT Wealth Connection | NBT 401(k) Daily Services | NBT Remote Deposit | LPL Account View Online

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

Personal
FIND A BRANCH OR ATM
FIND A BRANCH OR ATM:
SEARCH NOW
SITE SEARCH:
SEARCH NOW

Products & Services

Checking Checking

Open a Checking Account

Compare Checking Accounts

Health Savings Accounts

eChecking

Classic Checking

Classic Interest Checking

Star Privilege Premium Plan

iStrive® Checking

Strive® Financial Literacy

Move My Account to NBT Bank

Overdraft Protection

Savings & CDs Savings & CDs

Open a Savings Account

Compare Savings Accounts

Help Me Decide

eSavings

Personal Statement Savings

iStrive® Savings

Money Market Accounts

CDs

IRAs

Club Accounts

Savings Bonds

Strive® Financial Literacy

Online & Mobile Online & Mobile

NBT Online Banker

eStatements

Mobile Banking

Manage Your Account

Payments & Transfers

Financial Management Tool

Fraud Information Center

Personal Loans Personal Loans

Installment Loans

Star Access Line of Credit

Overdraft Line of Credit

Compare Personal Loan Options

Personal Loan Process

Personal Loan Calculators

Personal Loan Rates

Current Personal Loan Customers

Loan Payment Options

Student and Parent Loans

Apply Online

Glossary

Home Financing Home Financing

Mortgage Loans

Home Equity Options

Loan Originator ID Numbers

Investments & Insurance Investments & Insurance

Your Goals

Trust Services

Investments

Personal Insurance

Property & Casualty Insurance

Card & Payment Services Card & Payment Services

Debit Cards

Credit Cards

CardValet

Gift Cards

Mobile Payments

My Card Creation

Visa Checkout

Youth & Young Adults Youth & Young Adults

iStrive® Savings

iStrive® Checking

Credit Cards

iStrive Debit

Student and Parent Loans

Strive® Financial Literacy

Loan Payment Options Loan Payment Options

Customer Support

Contact Us Contact Us

Manage Your Loan

OffsiteLink

Holiday Closing Schedule

Debit Card Travel Notification

Report a Lost or Stolen Card

Fraud Information Center Fraud Information Center

Protect Yourself

How We Protect You

Report Fraud

Latest Fraud Alerts

Account & Card Security

Online & Mobile Security

Learn About Cyber Security

Spot Common Scams

Personal Fraud Prevention

Customer Education Center Customer Education Center

Strive Financial Literacy

Browser Upgrade

CardValet® Video

Debit Card Video

Popmoney® Video

Find a Location Find a Location

Instant Issue Debit Card

About Us

Careers Careers

Branch

Corporate Careers

Campus Opportunities

Culture and Values

Professional Development

Benefits

News & Insights News & Insights

Our Bank Our Bank

Our History

Our Parent Company

Diversity & Inclusion

SiteMap SiteMap

FIND A BRANCH OR ATM
FIND A BRANCH OR ATM:
SEARCH NOW
SITE SEARCH:
SEARCH NOW

  1. Personal
  2. Products & Services
  3. Savings & CDs
  4. Money Market Accounts

Money Market Accounts

Confidence is one of life’s greatest accessories and so too is it one of the best accessories to the way you approach your banking. NBT offers a variety of products and services to ensure you have the right tools so you can tackle your financial needs with confidence.

When you are looking for high growth potential with a check writing option, a money market account is the choice for you.

Account Details

  • No minimum to open
  • $5 monthly maintenance fee if the average monthly balance falls below $1,000
  • Earn interest on account balances over $1,000 in the following tiers:
    • Tier 1 $1,000 - $25,000
    • Tier 2 $25,001 - $75,000
    • Tier 3 $75,000 and over
  • Certain transfers and withdrawals are limited to six per month.1
  • $10 excessive activity fee1

1Federal 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 statement are monitored by statement cycle.

Features and Benefits

  • NBT Bank Debit Card (Money Market Accounts can only be added as a secondary account)
  • NBT Online Banker with Bill Pay
  • NBT Bank Mobile Banking with Mobile Deposit

Statement Options

Include all of your accounts on one easy-to-read statement with Combined Statements

Our Recommendations

If you like this service, NBT Bank would also recommend:

When you are looking for high growth potential with a check writing option, a money market account is the choice for you.

Account Details

  • No minimum to open
  • $15 monthly maintenance fee when the average daily balance falls below $5,000
  • Earn interest on account balances over $5,000 in the following tiers:
    • Tier 1 $5,000 - $49,999.99
    • Tier 2 $50,000 and over
  • You must have an NBT Bank checking relationship to qualify.
  • Certain transfers and withdrawals are limited to six per month.1
  • $10 excessive activity fee1

1Federal 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 statement are monitored by statement cycle.

Features and Benefits

  • NBT Bank Debit Card (Money Market Accounts can only be added as a secondary account)
  • NBT Online Banker with Bill Pay
  • NBT Bank Mobile Banking with Mobile Deposit

Statement Options

Include all of your accounts on one easy-to-read statement with Combined Statements

Our Recommendations

If you like this service, NBT Bank would also recommend:

ICS, the Insured Cash Sweep® service, is a smart, secure, and convenient way to safeguard your large deposits.

Account Details

  • Earn interest and maintain peace of mind on balances larger than $250,000 by having multiple banks support your deposit needs, but you only have to maintain your relationship with one – NBT Bank.
    • Establish a Money Market Account at NBT Bank, deposit funds and sign ICS agreement.
    • Deposits are then sent to Money Market Deposit Accounts at other member institutions in amounts under the standard FDIC insurance maximum of $250,000.1
  • You will have the ability to withdraw funds up to six times per month.2
  • Ask your local NBT Banker for details.

1The standard FDIC insurance maximum is $250,000 per insured capacity, per bank.

2Federal 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.

Our Recommendations

If you like this service, NBT Bank would also recommend:

Mobile Banking

Manage your finances on the go.

chevron right image Learn More
Personal Loan Options

Take a step toward completing your goal.

chevron right image LEARN MORE
Star Privilege Premium Plan

Make the most of your NBT Bank banking relationship.

chevron right image LEARN MORE


This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

Are you sure you want to continue?

Yes No
X