Minimum Opening DepositAccount may be opened with a deposit of any amount.
Monthly Service FeeThe Monthly Service Fee of $14.50 can be waived by maintaining an combined average daily balance of $5,000.00.
Debit Cards & Using ATMs
Non-affiliated ATM Usage FeeThere is a $1.50 fee each time you use a non-affiliated ATM.
International ATM Usage FeeThere is a $1.25 fee each time you use an ATM in another country. In addition, there is a fee calculated as 1.00% of the total amount withdrawn.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text BankingThis institution supports: - A text messaging service to view account balances, view recent activity, transfer funds; - A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs; - An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs; - An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Deposit Checks with Mobile PhoneThis feature is available on NBT's mobile banking applications for iPhone and Android smartphones.
Email AlertsThis Email Alert feature enables you to receive: - Warnings when your balance falls below a certain threshold; - Priority Online Account notifications (i.e., change of password).
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted ChecksThe first order of 'basic' checks is free for all new account holders. The first order of 'premium' checks is discounted by 50.00 percent for all new account holders.
Monthly Paper Statements
Check Images with StatementsThere is a $5.00 monthly fee to receive images of canceled checks with monthly statements.
Online Check Images
Overdrawing the Account
Negative Balance FeeThere is a $5.00 per day fee for a negative balance after the first seven calendar days with less than a $0.00 balance.
Note: This fee will not be charged if the account is overdrawn by $35 or less.
Returned Item FeeThe Insufficient Funds Fee is $35.00
Overdraft ProtectionThis checking account has 3 options for Overdraft Protection.From a linked Savings Account: - Funds are transferred in fixed increments of $10.00.From a linked Alternate Checking Account: - Funds are transferred in fixed increments of $10.00.From a linked Overdraft Line of Credit: - Transfer fee of $10.00. The transfer fee is charged per transaction; - Funds are transferred in fixed increments of $50.00.