Established in 1856, NBT Bank is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. NBT Bank has a complete selection of product offerings, including savings accounts, checking accounts, money market accounts CDs, IRAs, mortgage products and credit cards.
Checking Account Options
NBT Bank offers several checking account options to help you choose the product that’s right for you. A checking account isn’t just a checking account, it’s whatever you want it to be. Help manage your daily cash flow needs and take the first step in building towards your financial goals!
This account is a great way to help young adults manage their income as they begin their path to financial independence. From ages between 15 and 24, this account will supply you with all the tools and resources you need to manage you budget and keep up with your social life.
And by the time you reach the age 24, you will transition into their other banking products and services that best suit your lifestyle!
If you see yourself more often digitally then NBT is here to offer you their eChecking account! Enjoy a fully digital banking experience with this paperless account! There is no minimum to open this account or balance requirements!
Classic Checking account was built to help you keep things simple while trying to manage your daily banking needs. It’s a great no fuss way to keep life moving in the right direction, the way you do banking doesn’t have to be filled with complications!
You don’t need a minimum deposit to open this account nor no balance requirements as well. With this account, you can benefit from their unlimited check writing, pa bills online and access to mobile banking with mobile deposit!
Why not let your checking account earn interest each time your make a purchase, pay bills, and more! NBT Bank’s Classic Interest Checking account lets you do just that while also making available additional banking benefits!
You don’t need a minimum to open this account, but there is a $6 monthly maintenance fee! You can avoid this fee if you have an average daily balance of $500 or more or you are the age of 50 and over! You can earn interest on balances of $100 or more in the following two tiers the provide!
Compare Checking Accounts
 • New Chase checking customers enjoy a $300 bonus when you open a Chase Total Checking® account with qualifying activities • Chase Mobile® app - Manage accounts, pay bills, send money to friends with Zelle® and deposit checks from almost anywhere. • Chase Overdraft AssistSM – no overdraft fees if you’re overdrawn by $50 or less at the end of the business day or if you’re overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day* • Help keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock. • Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law. • With over 4,700 branches, Chase has the largest branch network in the U.S. plus access to more than 15,000 ATMs. • Open your account online now • Available online nationwide except in Alaska, Hawaii and Puerto Rico. For branch locations, visit locator.chase.com. *With Chase Overdraft AssistSM, we won’t charge an Overdraft Fee if you’re overdrawn by $50 or less at the end of the business day OR if you’re overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer). Chase Overdraft Assist does not require enrollment and comes with eligible Chase checking accounts. |
Savings Account Options
Putting money in a savings account on a regular basis is one of the best strategies to help you reach your goals. Savings is about more than just reaching your short or long term goals; it’s about planning for a secure financial future.
That’s why NBT Bank offers several savings account options to help you with managing short-term and long-term goals.
Your savings plan can be just as digital as you are with their eSavings account. You can manage all aspects of your savings needs online so you can keep you savings goals on track with ease.
There is no minimum to open this count or monthly maintenance fee! Interest is paid on balance $100 or more quarterly or monthly if through a portfolio statement in the following tiers they provide! But there is a $10 excessive activity fee with this account.
A savings account can allow your money to grow as you do! Opening an iStrive Savings is a good way for youths and young adults’ to put their saving skills into practice!
When you start building your savings skills early, your goals can become achievable and you’ll learn how to better manage your money as your financial needs grow.
Whether you have a specific goal in mind or want to ensure you have funds on hand in case of an emergency, regular deposits to your savings account can help you achieve your goals.
With this savings account, there is not minimum needed to open nor no monthly maintenance fee! But there is a $10 excessive activity fee!
Compare Savings Accounts
 Open a Discover® Online Savings Account for all these features: • Earn $200/$150 Bonus with promo code LOP325 by 9/11/2025 • Earn high interest rate of 3.70% APY • No minimum opening deposit, no minimum balance requirement, and now no fees • Interest on Discover Online Savings Accounts is compounded daily and credited monthly • Manage your account online or with the Discover mobile app • FDIC insurance up to $250,000 • See advertiser website for full details To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code LOP325 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200. What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 09/11/2025, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. |
CD Account Options
NBT Bank offers a variety of CD account options! You can take advantage of savings plan that can help you from year-to-year or even month-to-month savings goals!
Create a short or long term investment that fits your needs with their Fixed-rate CD account. Open and account with as little as $1,000 and choose form terms of seven days to 60 months.
- 7 days – 60 Month Terms Available.
- $1,000 minimum to open.
- $1,000 minimum to earn interest.
- You may choose to have your interest added to the balance of your CD, deposited to an NBT Bank checking or savings account or mailed to you by check.
- Automatic term renewal.
- A penalty may be imposed for early withdrawal.
NBT Bank’s Option CD allows you to take advantage of rising interest rates. You need a minimum of $1,000 in order to open this account and you can choose a tern that works best for you. If interest rates rise during the term of your CD, you’ll have the option to increase the rate once during the term for your account.
- 12 Month – 24 Month Term
- 24 Month – 36 Month Term
- $1,000 minimum to open
- $1,000 minimum to earn interest
- You may choose to have your interest added to the balance of your CD, deposited to an NBT Bank checking or savings account or mailed to you by check.
- One option to increase rate during term
- Automatic term renewal
- A penalty may be imposed for early withdrawal.
Compare CD Accounts
 • Available nationwide online, Discover® offers CDs with some of the highest & most competitive rates! with select terms as short as 3 months up to 120 months • Rates ranging from 2.00% APY up to 4.00% APY. • Opening a Discover Bank Certificate of Deposit is extremely quick and easy. • Funds on deposit are FDIC-insured up to the maximum allowed by law. • Get started and open a Discover CD in 3 easy steps. |
IRA’s
As retirement approaches, Investment Retirement Accounts all you to create a structured plan to help you start your retirement savings and build upon it over time.
Here’s an easy way to start your retirement savings or build it gradually with NBT Bank’s 30-Month Fixed IRA CD. This account features a term of 30 months and allow for additional deposits during the term.
- $25 minimum to open
- Maximum per plan year is based on IRA Guidelines. No ceiling on IRA rollovers or IRA transfers.
- 30 Month Term
- Earn interest that is deposited to your account monthly
- Additional deposits allowed; $25 minimum deposit
- Early withdrawal penalties may apply
You can start building your savings for retirement by designating funds for your future with a Fixed IRA.
- $1,000 minimum to open
- Maximum per plan year is based on IRA Guidelines. No ceiling on IRA rollovers or IRA transfers.
- 12 month – 60 month terms
- Earn interest that is deposited to your account monthly
- Automatic renewal
- Early withdrawal penalties may apply
Invest in your retirement with an Investment Retirement Account.
- $25 minimum to open
- Maximum per plan year is based on IRA Guidelines
- No ceiling on IRA rollovers
- Earn interest that is deposited to your account monthly
- Additional deposits allowed; minimum of $25 per deposit
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Reasons to Bank with NBT Bank
- They provide customers with a complete choice of banking products from savings and checking accounts to mortgage products and credit cards.
- NBT Bank’s CD rates are fair in comparison to the average U.S. banks, although their CDs are a good option to achieve higher returns, there are limitations to accessing your money.
- NBT Bank’s mobile app allows you to manage your funds by monitoring account balances, sending and receiving funds and reaching support representatives.
Reasons No to Bank with NBT Bank
- With a savings rate of 0.05%, NBT Bank ranks poorly compared to the national average. You can find higher rates with other banks. Institutions that offer free checking and a high interest rate savings account are your best option for getting the most income on your deposits.
- Their mobile app is considered inferior due to the ratings from both Apple and Android platforms.
- NBT Bank does not refund out-of-network ATM charges, which means you will need to find a NBT Bank ATM or pay the ATM charge.
NBT Bank Routing Number
You should use the ABA routing number for NBT Bank: 021303618
The ABA number will be the nine-digit number at the bottom to the left of your account number.
Contact Customer Service
1.800.NBT.BANK(628-2265)
- 7:00 a.m. – 7:00 p.m. M-F
- 9:00 a.m. – 12:00 p.m. Sat.
Hours of operation exclude federal holidays. Questions or inquiries received during non-business hours will be processed on the next business day.
How NBT Bank Compares
- Ally Bank: Ally provides margin lending, and cash management services. The company provides services for individuals and institutions that are investing online. They offer an electronic trading platform for the purchase and sale of financial securities including common stocks, preferred stocks, futures contracts, exchange-traded funds, options, mutual funds, and fixed income investments. You can check out their latest bank promotions here.
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Bottom Line
NBT Bank has several deposit product including savings account, checking accounts, money market accounts and CDs to give you many options to manage your money.
NBT Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for you money.
If you like the services that NBT Bank offers then this is the bank for you! But if you’re looking elsewhere, you should check out what other banks has to offer through out Best Bank Promotions page!
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