Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
There is a $1.50 fee each time you use a non-affiliated ATM.
$1.50/per use
International ATM Usage Fee
There 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 In addition, there is a fee calculated as 1.00% of the total amount withdrawn.
$1.25/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This 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.
Free
Deposit Checks with Mobile Phone
This feature is available on NBT's mobile banking applications for iPhone and Android smartphones.
Free
Person-to-Person Payments
Zelle-$0.00
Free
Email Alerts
This Email Alert feature enables you to receive warnings when your balance falls below a certain threshold.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$5.00/month
Check Images with Statements
There is a $5.00 monthly fee to receive images of canceled checks with monthly statements.
$5.00/month
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Negative Balance Fee
There 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.
Yes
Returned Item Fee
The Insufficient Funds Fee is $35.00
$35.00/per item
Overdraft Protection
This 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 for every $50.00 of negative balance;- Funds are transferred in fixed increments of $50.00.