Open an account Online
Earn up to $150 with these accounts and jump start your savings plan
CHECKING
$100
Credit
1, 2
New NBT Personal Checking Account Customer
Earn $100 Credit - by opening an NBT Checking Account, making a direct deposit*
OR
$50
Credit
1, 2
Current NBT Personal Checking Account Customer
Earn $50 Credit - with direct deposit*
HEALTH SAVINGS ACCOUNT
$50
Credit
1, 2
New Health Savings Account (HSA)
Earn $50 Credit - 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
Classic Interest Checking
- Account earns interest based on tiered balances
- $6 monthly maintenance fee can be waived based on account criteria
NBT iSelect Account
- No monthly balance requirement
- No overdraft 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.
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 NBT@Work online portal or after properly completing the NBT@Work enrollment form
Payment of one-time credit may be reported on IRS form 1099 for the year in which the incentive was paid. Maximum one Checking Account Credit and one Health Savings Account Credit per NBT@Work Employee. Cannot be combined with any other offer(s). NBT Bank may change or terminate this incentive program at any time. 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. An early account closure fee of $15 applies to all account if the account is closed within 90 days of the date the account was opened. Incentive credit will be applied to the account directly and the Health Savings Account credit will count towards your contribution limits for the year in which the credit was made.
One-time credit will be applied to the account within 90 days after 1) enrollment in the NBT@Work program by the NBT@Work Employee has been confirmed; and 2) the initial direct deposit from a participating NBT@Work Employer (or an initial direct deposit from another employer if the NBT@Work Employer does not have direct deposit availability) has been credited to the account. Enrollment is confirmed after the NBT@Work employee enrolls directly through the NBT@Work online portal or after a properly completed NBT@Work enrollment form is received.
