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Savings – Convenient Services

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NBT Banker Cash and Check Card

Use your NBT Banker Cash and Check Card to access your checking and savings accounts at ATMs. Make purchases wherever VISA® debit is accepted, and your transactions will be automatically deducted from your checking account.

Features
Maintenance & Activity Fees
 Monthly fee = $1 {following the first POS (Point of Sale) transaction}.
No monthly $1 fee if attached to the following accounts:
Classic Checking, Classic Premium Checking, Star Privilege Premium Checking, Classic Interest Checking, Interest Premium Checking, Free Business Checking, Business Premium Checking, Business Interest Checking and Commercial Checking as primary account.
Other miscellaneous account related fees apply
 Withdrawal at foreign ATM = $1

Inquiry at foreign ATM =$0.50

Transfer at foreign ATM =$0.50

Replacement card = $5
Miscellaneous Features
 Card can be used where ever the VISA logo is displayed.

Daily ATM cash withdrawal limit is $600 per card.

Daily VISA purchase limit (signature based) is $10,000 per card.

Daily POS with PIN withdrawal limit if $600 per day.

Daily POS debit transactions up to 20 per day.

Daily ATM transactions up to 15 per day.

Primary account must be DDA, MMDA, or SAV can only be added as secondary account.

Maximum accounts attached to any card: 5 DDA and 5 SAV
Benefits Safe and convenient option to access your accounts, 24 hours, 7 days a week.

Avoid waiting in line.

Able to make safe and secure transactions with the use of a PIN.

Access your funds statewide with online network systems: PLUS, NYCE, VISA, MASTERCARD, or can be accessed internationally through Cirrus.

 

Direct Deposit

Have your paycheck, pension, Social Security or other regular payments automatically deposited safely into your checking or savings account. It's faster, safer and easier. Your money is waiting for you instead of you waiting in line for it.

Features
Overview With Direct Deposit, payments are electronically deposited into the customer’s account.
Maintenance/Activity Fees
 Not applicable
Features & Benefits
 Customers with a checking or savings account can take advantage of Direct Deposit and protect against lost or stolen checks.

With Direct Deposit the monthly maintenance fee is waived with certain consumer checking products.

Customer has immediate access to funds posted electronically.

Transfers

Transfers are the most convenient way to ensure your money is in the right account at the right time. Your NBT Banker can set up a transfer to occur at the same time every week, month or other timeframe that you select. You can also make your transfers over the phone or online when it's convenient for you.