Savings
Earn competitive interest rate while enjoying convenient access for unexpected expenses for purchases.
Features
- $100 Minimum to Open
- Interest Paid on Daily Collected Balances
- Up to Six Withdrawals per Month at No Charge; $2 Each Thereafter. Regulations Limit Certain Withdrawals to 6 per Calendar Month or Statement Cycle (of a 4 week period)
- $5 Monthly Service Charge Waived with a $100 Minimum Daily Balance
Super Savings - Great Interest!
This special savings account pays premium interest on daily balances.
Features
- $100 Minimum to Open
- Interest Paid on Daily Collected Balances
- Tiered Interest Rates that Increase with Your Balances
- Up to Three Free Withdrawals per Month, $10 Each Thereafter. Regulations Limit Certain Withdrawals to 6 per Calendar Month or Statement cycle (of a 4 week period).
- $10 Monthly Service Charge Waived with a $500 Minimum Daily Balance
Personal Money Market
Offering the higher returns of tiered money market interest rates, this account also gives you the flexibility and convenience of a checking account.
Features
- $100 Minimum to Open
- Interest Paid on Daily Collected Balances
- Tiered Interest Rates that Increase with Your Balances
- Up to 6 Free Withdrawals per Month, $10 Each Thereafter. Regulations Limit Certain Withdrawals to 6 per Calendar Month or Statement Cycle (of a 4 week period)
- $10 Monthly Service Charge Waived with a $2,500 Minimum Daily Balance
- Unlimited Over-the-Counter Withdrawals
Christmas Club Account
Looking for an easy way to save for the holidays? A Christmas Club Account at NBT is what you'll need. With no minimum daily balance and a higher rate of interest, a Christmas Club is a great savings tool! You will receive your savings balance via check issued on the last banking day in October, just in time for holiday shopping. Pair your Christmas Club with payroll deduction, and we'll make deposits into the account automatically from your direct deposit. It's an easy way to save for the busy holiday season.
Features
- No Minimum Deposit Required
- Deposit as Much and as Often as You Like
- Full Balance of Savings Issued Via Check on last banking day in October
- Interest Paid on Daily Collected Balances
- One Free Additional Withdrawal Annually; $10 Each Thereafter. Regulations Limit Certain Withdrawals to 6 per Calendar Month or Statement Cycle (of a 4 week period)
- No Minimum Daily Balance required
Junior Banker Savings Account
If they're old enough to count, they're old enough to learn about saving. Get your little one on the road to financial independence early, so they can start socking away their pennies.
Features
- No Minimum Deposit Required
- Available Exclusively to Our Customer's Children Under the Age of 18
- No Minimum Daily Balance
- Interest Paid on Daily Collected Balances
- Up to 6 Free Withdrawals per Month, $2 Each Thereafter. Regulations Limit Certain Withdrawals to 6 per Calendar Month or Statement Cycle (of a 4 week period)
- Must Be Under the Age of 18. After Age 18, the Account Must be Transferred to Savings Account
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