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Personal Savings Accounts

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.

All of our Personal Savings Accounts include Online/Mobile Banking, 24-Hour Telephone Banking, eStatements, Direct Deposit and Notary Services.

Savings Account Comparison

Select the products below to compare.

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 last banking day in October.

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 $100 $100 $0 $0
Interest Bearing Yes Yes Yes Yes Yes
Minimum Balance Fee $5 $10 $10 None None
Balance to Avoid Minimum Balance Fee $100 $500 $2,500.00 $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 $5 $10 $2
Savings
Description

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

Additional Features
Minimum to Open $100
Interest Bearing Yes
Minimum Balance Fee $5
Balance to Avoid Minimum Balance Fee $100
Transactions Allowed 6 Each Month
Excessive Transaction Fee (per item) $2
Super Savings
Description

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

Additional Features

Tiered interest rates that increase with your balances

Minimum to Open $100
Interest Bearing Yes
Minimum Balance Fee $10
Balance to Avoid Minimum Balance Fee $500
Transactions Allowed 3 Each Month
Excessive Transaction Fee (per item) $10
Personal Money Market
Description

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

Additional Features

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
Interest Bearing Yes
Minimum Balance Fee $10
Balance to Avoid Minimum Balance Fee $2,500.00
Transactions Allowed 6 Each Month
Excessive Transaction Fee (per item) $5
Christmas Club
Description

Make contributions throughout the year and receive your savings balance via check issued on last banking day in October.

Additional Features
Minimum to Open $0
Interest Bearing Yes
Minimum Balance Fee None
Balance to Avoid Minimum Balance Fee $0
Transactions Allowed 1 Per Year
Excessive Transaction Fee (per item) $10
Junior Savings
Description

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

Additional Features
Minimum to Open $0
Interest Bearing Yes
Minimum Balance Fee None
Balance to Avoid Minimum Balance Fee $0
Transactions Allowed 6 Each Month
Excessive Transaction Fee (per item) $2

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.
  • $5 Monthly Service Charge Waived with a $100 Minimum Daily Balance

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.
  • $10 Monthly Service Charge Waived with a $500 Minimum Daily Balance

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.
  • $10 Monthly Service Charge Waived with a $2,500 Minimum Daily Balance
  • Unlimited Over-the-Counter Withdrawals

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.
  • No Minimum Daily Balance required

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.
  • Must Be Under the Age of 18.  After Age 18, the Account Must be Transferred to Savings Account