NBT Bank, National Association

Headquarters: Norwich, New York
Charter: Bank
Assets: $16.1B
Fed district: New York

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 31, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Non-Network ATM
Compared at $1, the middle of its prices
NBT Bank, National Association: $0.50 to $2.50
NBT Bank, National Association: $0.50 to $2.50
U.S. median: no median
Stop Payment
NBT Bank, National Association: $32
NBT Bank, National Association: $32
U.S. median: no median
Wire Transfer (Int'l Out)
NBT Bank, National Association: $50
NBT Bank, National Association: $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from NBT Bank, National Association’s own schedules, with a source for each figure.

Account Maintenance

Deposit Account Closed Early (less than 90 days from opening, excludes NBT iSelect Account)$15
Monthly Dormancy Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)$10
per month
Monthly Inactivity Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)$10
per month
Account Research$25
Research per hour (1-Hour Minimum) (audience not stated, treated as personal)$100
Not compared: Charged per hour; comparison unavailable
per hour
Research per hour (1-Hour Minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement (iStrive Only)$2

ATM & Card

Balance Inquiry at non-NBT Bank ATM$1
Transfer of Funds at non-NBT Bank ATM$0.50
Withdrawal at non-NBT Bank ATM$2.50

Wire Transfers

Outgoing Wire Foreign$50
Incoming Wire Domestic and Foreign$15

Check Services

Official Check$5
Personal Money Order ($2,500 Maximum)$3
Stop Payment$32
Counter Checks$0.25

Digital & Electronic

Online Banker with Bill Pay (includes external outgoing and incoming transfers)No charge

Cash & Deposit

Night Deposit: Annual Service$15
Not compared: Annual charge, not per item
per year

Account Services

Late Fee$10
Not compared: Box drilling or key fee

Retirement & IRA

IRA Transfer (Process to another institution)$30

Other Fees

Statement Copy or Interim Statement$3

Fee	Amount	Basis	Note
Account Maintenance
Deposit Account Closed Early (less than 90 days from opening, excludes NBT iSelect Account)	$15	Not stated	None
Monthly Dormancy Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)	$10	per month	None
Monthly Inactivity Fee (excludes NBT iSelect Account) (audience not stated, treated as personal)	$10	per month	None
Account Research	$25	Not stated	None
Research per hour (1-Hour Minimum) (audience not stated, treated as personal)	$100Not compared: Charged per hour; comparison unavailable	per hour	None
Research per hour (1-Hour Minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement (iStrive Only)	$2	Not stated	None
ATM & Card
Balance Inquiry at non-NBT Bank ATM	$1	Not stated	None
Transfer of Funds at non-NBT Bank ATM	$0.50	Not stated	None
Withdrawal at non-NBT Bank ATM	$2.50	Not stated	None
Wire Transfers
Outgoing Wire Foreign	$50	Not stated	None
Incoming Wire Domestic and Foreign	$15	Not stated	None
Check Services
Official Check	$5	Not stated	None
Personal Money Order ($2,500 Maximum)	$3	Not stated	None
Stop Payment	$32	Not stated	None
Counter Checks	$0.25	Not stated	None
Digital & Electronic
Online Banker with Bill Pay (includes external outgoing and incoming transfers)	No charge	Not stated	None
Cash & Deposit
Night Deposit: Annual Service	$15Not compared: Annual charge, not per item	per year	None
Account Services
Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Retirement & IRA
IRA Transfer (Process to another institution)	$30	Not stated	None
Other Fees
Statement Copy or Interim Statement	$3	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when NBT Bank, National Association's cashier's check changes in our data

We check once a day and send one email covering every change.