Money Market Accounts

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

Transaction Limitations
Transfers from a Savings or Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Depositors who continue to exceed these limits may lose the transfer and check writing features of their account.

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

• eStatements
• Mailed Statements

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.

Transaction Limitations
Transfers from a Savings or Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Depositors who continue to exceed these limits may lose the transfer and check writing features of their account.

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

• eStatements
• Mailed Statements

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.

²Transfers from a Savings or Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check, draft, debit card, or similar order to third parties are limited to six per monthly statement cycle. Depositors who continue to exceed these limits may lose the transfer and check writing features of their account.

Our Recommendations

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