Personal Savings Accounts

Make sure smooth sailing is in your future.

Your savings is for more than just a rainy day. It's your future. You want to feel safe, knowing that your money is safe no matter what the forecast. We understand that, and have created a wide variety of savings accounts to choose from.

Questions?

Account Comparison

Account

 Savings

Super Savings

Personal

Money

Market

Christmas

Club

Junior 

Savings

Description

Earn a competitive interest rate while enjoying convenient access for unexpected expenses or purchases.

This “super” savings account pays premium interest on daily balances. 

A combination of convenience and return for customers who plan on maintaining a higher balance with immediate access to funds.

Make contributions throughout the year and receive your savings balance via check issued on October 31st.

An account to encourage our “junior” customers to start saving. Available exclusively to children under age 18 of our customers.

Additional Features

-

Tiered interest rates that increase with your balances

Tiered interest rates that increase with your balances. 

Unlimited ATM transactions (this does not include fees charged by a non-NBT ATM servicer)

Paper statements

-

-

Minimum to Open

$100

$500

$1,000

$0

$0

Interest Bearing

No

Yes

Yes

No

No

Minimum Balance Fee

$5

$10

$10

None

None

Balance to Avoid Minimum Balance Fee

$100

$500

$2,500

$0

$0

Transactions Allowed

6 Each Month

3 Each Month

6 Each Month

1 Per Year

6 Each Month

Excessive Transaction Fee (per item)

$2

$10

$10

$10

$2

Our Personal Savings Accounts include ALL of the following services:

  • Online Banking / Mobile Banking
  • 24-hour Telephone Banking
  • eStatements
  • Direct Deposit
  • Notary Services

Savings 

Earn competitive interest rate while enjoying convenient access for unexpected expenses for purchases.

Features

  • $100 minimum to open
  • 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)
  • $10 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 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

  • $1,000 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 October 31st, 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 October 31st.
  • 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

  • Available exclusively to our customer's children under the age of 18
  • No minimum daily balance
  • 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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