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Club Accounts

Are you eager to plan ahead for spending around the holidays or looking to set money aside regularly for a special event? Establish a Club Account to automatically transfer funds from another NBT Bank checking or savings account at your preferred amount and frequency.

Save for the holidays while earning interest with our Holiday Club account. Open your account anytime by setting up an automatic transfer from another NBT Bank checking or savings account.

Account Details

  • No minimum to open
  • Interest paid annually on balances $0.01 or more
    • Interest is compounded and paid annually
  • Balance automatically transferred to another NBT Bank checking or savings account or forwarded to you by check at maturity.
  • No partial withdrawals allowed. A $10 fee will be assessed for early account closing.

Statement Options


Save for a special event, such as a vacation or wedding, with our All-purpose Club account. Open your account anytime by setting up an automatic transfer from another NBT Bank checking or savings account. Choose the transfer amount (as little as $1) and frequency (weekly, bi-weekly or monthly) that works for you.

Account Details

  • No minimum to open
  • Requires auto transfer deposits of at least $1
  • Interest paid annually on balances $0.01 or more
    • Interest is compounded and paid annually
  • Balance automatically transferred to a NBT Bank savings or checking account or forwarded to you by check at 1 year from date of opening
  • No partial withdrawals allowed. A $10 fee will be assessed for early account closing.

Statement Options


Purchasing your home is a great achievement and certainly a memorable life moment. A First Home Club Account can be a great savings vehicle to help you realize your dream and then make a house a home.

Account Details

  • No minimum to open
  • Interest paid quarterly or monthly if portfolio statement on balances of $25 or more
  • Customers must save systematically on a monthly basis for a period of 10-24 months
  • Deposit up to $2500 and get a 4x match of those funds, up to a max of $7500.
  • Open your account any time by setting up an automatic transfer from another NBT Bank checking or savings account. Choose the transfer amount (as little as $1) and frequency (weekly, bi-weekly or monthly) that works for you
  • No partial withdrawals are allowed. There is a $10 fee for early account closing
  • Withdrawals or transfers made by automatic, pre-authorized, telephonic agreement, order, or instruction, check, draft, debit card, or similar order made from this account or to third parties are restricted to no more than six (6) per monitoring period

Customer must follow the First Home Club Account guidelines established by the Federal Home Loan Bank.

Please contact a NBT Bank Residential Mortgage Originator for the full details.

Statement Options

Budget, Track and Plan

Use the Personal Financial Management Tool in NBT Online Banker to manage your finances.

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Personal Statement Savings

Make savings a cornerstone in your financial plan.

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Personal Loan Options

Take a step toward completing your goal.

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