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Checking Accounts

See which Checking or Savings Account is right for you.

Some banks have so many different accounts and requirements to avoid service charges and monthly account fees, which can be confusing and costly. At NBT Financial we know what most people want is an account that meets their needs and is simple and easy to understand. We offer several types of accounts for you to choose from based on your needs. In addition, your accounts are easy for you to access 24 hours a day, seven days a week, with our E-Banking (online banking), Mobile Banking (cell phone) or our Telephone Banking (Online and Mobile banking are subject to additional terms and conditions and/or mobile and internet provider fees).  Contact one of our friendly bankers to assist you in opening the account you need today.

Checking Accounts Free Checking Horizon Account
(age 55 & up)
NOW Account
Minimum Opening Deposit $50.00 None $200.00
Monthly Service Charges ¹ None None $10.00
Minimum Balance * None None $1000.00
Check Writing Unlimited Unlimited 20 Without Fee ²
E-Statements Yes Yes Yes
E-Banking and Bill Pay Yes Yes Yes
Mobile Banking and Deposit Yes Yes Yes
Debit Card Yes Yes Yes
Unlimited Bankstock Checks - Yes -
Cashier's Checks - No Charge -
Interest Bearing - - Yes
Safe Deposit Box ³ - $10.00 Discount -
¹ If minimum balance is not maintained.
² Activity fee of $0.20 will be charged for each check or debit in excess of 20 per statement cycle.
³ Based on availability.  Safe Deposit Box contents are not insured by the FDIC or Bank.
* The Balance is calculated as a minimum daily balance, and is required in the account each day to obtain the disclosed annual percentage yield.       Please refer to your new account disclosures for your current APY or view them on our rates page