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

Junior Savings

Christmas Club

Statement Savings

Super Savings

Money Market

Relationship Money Market

Description

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

Make contributions throughout the year and receive your savings via check in November.

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

This “super” savings account pays premium interest on daily balances of $5,000 or more.

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

We took our regular Money Market and made it even more rewarding. Ideal for those who have a relationship with our bank and maintain daily balances of $25,000 or higher.

Additional Features

-

-

-

-

Free Wallet-Style Checks (mailed to branch)

Free Wallet-Style Checks (mailed to branch)

Minimum to Open

$0

$0

$100

$100

$100

$100

Interest Bearing

Yes

Yes

Yes

Yes

Yes

Yes

Minimum Balance Fee

None

None

$5

$10

$10

$25

Balance to Avoid Minimum Balance Fee

$0

$0

$100

$500

$1,000

$25,000

Transactions Allowed

6 Each Month

1 Each Year

6 Each Month

3 Each Month

6 Each Month

6 Each Month

Excessive Transaction Fee (per item)

-

$10

$2

$10

$5

$5

Our Personal Savings Accounts include ALL of the following services:

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

*Qualifying relationship = a checking relationship with a $2,500 minimum daily balance, a $5,000 minimum combined daily balances in other accounts, or a home equity line balance of $10,000 or higher

Super Savings - Great Interest!

This special savings account pays premium interest on daily balances of $5,000 or more.

Features

  • Up to three withdrawals per month at no charge; $10 each thereafter. Regulations limit certain withdrawals to 6 per calendar month or statement cycle (of a 4 week period).
  • $10 monthly fee waived with $500 minimum daily balance

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
  • Free wallet-style checks
  • Up to 6 free withdrawals per month, $5 each thereafter. Regulations limit certain withdrawals to 6 per calendar month or statement cycle (of a 4 week period).
  • Unlimited over-the-counter withdrawals
  • $10 monthly Service Charge waived with a $1,000.00 minimum daily balance

Relationship Money Market

We took our regular Money Market and made it even more rewarding. Ideal for those who have a relationship with our bank and maintain daily balances of $25,000 or higher.

Features

  • $2,500 to open
  • Interest paid on daily collected balances
  • Tiered interest rates that increase with your balances
  • Free wallet-style checks
  • Up to 6 free withdrawals per month, $5 each thereafter. Regulations limit certain withdrawals to 6 per calendar month or statement cycle (of a 4 week period).
  • $25 monthly service charge waived with a $25,000 minimum daily balance or a checking relationship with $2,500 minimum daily balance or a $5,000 combined relationship in other accounts
  • Unlimited over-the-counter withdrawals

Statement Savings

This account earns competitive interest and features lower balance requirements than our money market accounts.

Features

  • $100 to open and to earn interest
  • $100 minimum daily balance required to earn interest
  • 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).
  • Statement issued quarterly
  • No quarterly fee with $100 minimum daily balance; otherwise $5.

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! We'll transfer your funds into your membership account no later than the first week of November, 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 an as often as you like
  • Full balance of savings paid on November 1st
  • 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
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