vs. U.S. typical range:LowerTypicalHigher
$2.50 below the national median$1.25 below the New York median
$5 above the national median$0.50 above the New York median
per month · Source
$7.50 above the national median$7.50 above the New York median
$1 below the national medianAt the New York median
$0.50 below the national median$0.50 below the New York median
$1 below the national median$1 below the New York median
$1 above the national median$1 above the New York median
At the national median$5 above the New York median
$5 below the national medianAt the New York median
At the national medianAt the New York median
$1 above the national median$1 above the New York median
$4.50 above the national median$7 above the New York median
$2.50 below the national median$2.50 below the New York median
$10 below the national median$15 below the New York median
$5 above the national median$5 above the New York median
At the national medianAt the New York median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| Deposit Account Closed Early (less than 90 days from opening, excludes NBT iSelect Account) | $15Within the typical range ($10–$25 nationally) | $2.50 below the national median$1.25 below the New York median | — | — | Source |
| Monthly Inactivity and Dormancy Fee (excludes NBT iSelect Account and NBT Private Bank Checking) | $10Within the typical range ($5–$10 nationally) | $5 above the national median$0.50 above the New York median | per month | — | Source |
| initiated by phone, fax or in branch | $25Within the typical range ($11–$25 nationally) | $7.50 above the national median$7.50 above the New York median | — | — | Source |
| Mailed Statement (iStrive Only) | $2Within the typical range ($2–$4.85 nationally) | $1 below the national medianAt the New York median | — | — | Source |
ATM & CardVerified | |||||
| Balance Inquiry at non-NBT Bank ATM | $1Within the typical range ($1–$2.25 nationally) | $0.50 below the national median$0.50 below the New York median | — | — | Source |
| Transfer of Funds at non-NBT Bank ATM | $0.50 | ||||
Wire TransfersVerified | |||||
| Outgoing Wire Foreign | $50Within the typical range ($40–$50 nationally) | At the national median$5 above the New York median | — | — | Source |
| Incoming Wire Domestic and Foreign | $15 | ||||
Check ServicesVerified | |||||
| Official Check | $5Within the typical range ($3–$6 nationally) | At the national medianAt the New York median | — | — | Source |
| Personal Money Order ($2,500 Maximum) | $3 | ||||
Digital & ElectronicVerified | |||||
| Online Banker with Bill Pay (includes external outgoing and incoming transfers) | $0Within the typical range ($0–$9.95 nationally) | $2.50 below the national median$2.50 below the New York median | — | — | Source |
Lending FeesVerified | |||||
| Late Fee | $10Within the typical range ($10–$25 nationally) | $10 below the national median$15 below the New York median | — | — | Source |
Retirement & IRAVerified | |||||
| IRA Transfer (Process to another institution) | $30Within the typical range ($25–$35 nationally) | $5 above the national median$5 above the New York median | — | — | Source |
Other FeesVerified | |||||
| Statement Copy or Interim Statement | $3Within the typical range ($2–$5 nationally) | At the national medianAt the New York median | — | — | Source |
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Headline fees published
5 of 15
Published fees
16
Under review
0
Assets
$16.1B
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$16.1B
Total deposits
$13.7B
Service charge income
$6.0M
Fee income ratio
3.5%
Return on assets
1.23%
Branches
175
Service charge income by quarter
Financial profile · Pro
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| $1 below the national median$1 below the New York median |
| — |
| — |
| Source |
| Withdrawal at non-NBT Bank ATM | $2.50Above the typical range ($1–$2.25 nationally) | $1 above the national median$1 above the New York median | — | — | Source |
| $5 below the national medianAt the New York median |
| — |
| — |
| Source |
| $1 above the national median$1 above the New York median |
| — |
| — |
| Source |
| Stop Payment | $32Above the typical range ($20–$30 nationally) | $4.50 above the national median$7 above the New York median | — | — | Source |