How to Open Your NBT Bank Account Online

(March 03, 2022) - When you bank with NBT Bank, you can open a checking account in the comfort of your own home. Opening an account without a banker with you may seem intimidating, but our online applications are easy to use and will have your checking account ready for you in no time!

How to Sign Up for a Checking Account Online

Before you sign up for a checking account, you first need to decide what type of account you want to open. At NBT Bank, we have three types of checking accounts that can be opened online: Classic Checking, eChecking, and iStrive Checking. Each checking account has its own set of perks and benefits that will help you reach your financial goals.

Classic Checking

With our Classic Checking account, there is no minimum to open and no balance requirements to keep your account open. You'll receive unlimited check writing, NBT online banker with bill pay, NBT mobile banking with mobile deposit, and an NBT debit card. Discover more about our Classic Checking accounts.


Feel like you're constantly on the go, and don't have time to stop in-person at your local NBT Bank location? We've got you covered with our eChecking account. In addition to managing your account completely online, you'll have the ability to earn interest on collected balances of $100 or more in two tiers. Check out other benefits of an eChecking account.

iStrive Checking

Our iStrive Checking account is perfect for youth and young adults aged 15 - 24 years of age. Whether you're opening an account for your teen's allowance or for your soon-to-be college student, an iStrive Checking account is an easy-to-manage solution for young people. Learn more about our iStrive checking account.

Start Your Checking Account Application

Know which account is right for you? You can begin your application from the comfort of your own home with our online process. Before you get started, you'll need a few things on hand for the application process.

Make sure to include your:

  • Driver's License
  • U.S. Social Security Number
  • Proof of U.S. Citizenship or Resident Alien Status
  • Co-signer (for iStrive Checking customers under the age of 18)

Once you've gathered all the information you'll need, you can start the application. Follow these steps to easily complete our convenient online process today:

Step 1: – Apply

Step 2: – Complete Application

Step 3: – Await Approval

Enjoy the Benefits of an Account with NBT Bank

Now that you've learned how to open your checking account online, you'll soon be able to enjoy all the benefits that an NBT Bank account has to offer. From unlimited check writing and interest earnings to convenient eStatements, we'll help you take the right steps toward achieving your financial goals.

If you have any questions about your application, don't hesitate to contact us; our team will be happy to help you.