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Compare Account Options

Saving is an important cornerstone of a strong budget and financial plan. NBT Bank offers several savings account options to help you with managing short-term and long-term goals.

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Compare Accounts

 

eSavings

iStrive Savings Account

Statement Savings Account

Money Market Account

Minimum to Open

$0

$0

$0

$0

Monthly Maintenance Fee

$0

$0

$0

$5 monthly maintenance fee if the average monthly balance falls below $1,000

Interest

Earn interest on your account balances paid quarterly or monthly if through a portfolio statement on the following tiers:

  • Tier 1 $100 - $2,499.99
  • Tier 2 $2,500 - $9,999.99
  • Tier 3 $10,000 or more

Earn interest on your account balances paid quarterly or monthly if through a portfolio statement on the following tiers:

  • Tier 1 $0.01 - $2,499.99
  • Tier 2 $2,500 - $9,999.99
  • Tier 3 $10,000 or more

Interest paid on balances $25 or more

Interest is paid quarterly or monthly if the account is set up with a portfolio statement

Earn interest on account balances over $1,000 in the following tiers:

  • Tier 1 $1,000 - $25,000
  • Tier 2 $25,001 - $75,000
  • Tier 3 $75,000 and over

Account Management

$10 Excessive Activity Fee for transfers and withdrawals that exceed monthly limits.1 

$10 Excessive Activity Fee for transfers and withdrawals that exceed monthly limits.1
$10 Excessive Activity Fee for transfers and withdrawals that exceed monthly limits.1
$10 Excessive Activity Fee for transfers and withdrawals that exceed monthly limits.1

Features

 

No fee to transfer funds to your iStrive Savings Account using the Autolink Transfer Service

 

Ability to write checks

Additional Banking Service Benefits

  • NBT Online Banker
  • Mobile Banking
  • NBT Bank ATM Card
  • NBT Online Banker
  • Mobile Banking
  • NBT Bank ATM Card
  • NBT Online Banker
  • Mobile Banking
  • NBT Bank ATM Card
  • NBT Online Banker
  • Mobile Banking
  • NBT Bank Debit Card (Money Market Accounts can only be added as a secondary account)

Statement Options

 

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1Federal Banking regulations place limitations on certain transfers and withdrawals from savings and money market accounts. Withdrawals or transfers made by automatic, pre-authorized, telephonic agreement order, or instruction, check, draft, debit card, or similar order made from this account to other accounts or to third parties are restricted to no more than six per monitoring period. The monitoring period for all savings accounts except those tied to checking accounts with portfolio statements is monthly up to the quarterly statement date. Money market accounts and savings accounts with portfolio statement are monitored by statement cycle.

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