NBT Bank, National Association

Headquarters: Norwich, New York
Charter: Bank
Assets: $16.1B
Fed district: New York
Regulator: OCC
Holding company: Nbt Bancorp Inc.

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.

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Among its peers

NBT Bank, National Association · $16.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$12.8B to $19.2B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
NBT Bank, National Association(this institution)	Norwich, NY	$16.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
BancFirst	Oklahoma City, OK	$12.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of America California, National Association	San Francisco, CA	$14.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Hope	Los Angeles, CA	$19B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banner Bank	Walla Walla, WA	$16.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bell Bank	Fargo, ND	$15.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Busey Bank	Champaign, IL	$18.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank, National Association	Canton, NY	$17.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ConnectOne Bank	Englewood Cliffs, NJ	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dime Community Bank	Hauppauge, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Enterprise Bank & Trust	Clayton, MO	$17.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Southern Pines, NC	$13B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Financial Bank	Abilene, TX	$15.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First United Bank and Trust Company	Durant, OK	$16.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
FirstBank	Nashville, TN	$16.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FirstBank Puerto Rico	Santurce, PR	$19.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Israel Discount Bank of New York	New York, NY	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Live Oak Banking Company	Wilmington, NC	$16B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Nicolet National Bank	Green Bay, WI	$15.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Bank	Warren, PA	$17.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Popular Bank	New York, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
ServisFirst Bank	Birmingham, AL	$18.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stifel Bank	Saint Louis, MO	$14.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Third Federal Savings and Loan Association of Cleveland	Cleveland, OH	$18.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Toyota Financial Savings Bank	Henderson, NV	$16.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Trustmark Bank	Jackson, MS	$19.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

NBT Bank, National Association does not publish a monthly maintenance fee in the index.

The peer median is $8 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

NBT Bank, National Association does not publish a monthly maintenance fee, so it is not on this chart.

NBT Bank, National Associ…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.

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.

Among its peers

NBT Bank, National Association · $16.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Banks only
$12.8B to $19.2B in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
NBT Bank, National Association(this institution)	Norwich, NY	$16.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
BancFirst	Oklahoma City, OK	$12.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bank of America California, National Association	San Francisco, CA	$14.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bank of Hope	Los Angeles, CA	$19B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banner Bank	Walla Walla, WA	$16.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bell Bank	Fargo, ND	$15.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Busey Bank	Champaign, IL	$18.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank, National Association	Canton, NY	$17.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
ConnectOne Bank	Englewood Cliffs, NJ	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dime Community Bank	Hauppauge, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Enterprise Bank & Trust	Clayton, MO	$17.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Bank	Southern Pines, NC	$13B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Financial Bank	Abilene, TX	$15.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First United Bank and Trust Company	Durant, OK	$16.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
FirstBank	Nashville, TN	$16.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
FirstBank Puerto Rico	Santurce, PR	$19.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Israel Discount Bank of New York	New York, NY	$14.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Live Oak Banking Company	Wilmington, NC	$16B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Nicolet National Bank	Green Bay, WI	$15.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Bank	Warren, PA	$17.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Popular Bank	New York, NY	$15B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
ServisFirst Bank	Birmingham, AL	$18.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Stifel Bank	Saint Louis, MO	$14.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Third Federal Savings and Loan Association of Cleveland	Cleveland, OH	$18.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Toyota Financial Savings Bank	Henderson, NV	$16.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Trustmark Bank	Jackson, MS	$19.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

NBT Bank, National Association does not publish a monthly maintenance fee in the index.

The peer median is $8 among 14 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

NBT Bank, National Association does not publish a monthly maintenance fee, so it is not on this chart.

NBT Bank, National Associ…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

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.