PERSONAL BUSINESS WEALTH PERSONAL PRODUCTS & SERVICES CUSTOMER SUPPORT ABOUT US LOGIN Personal Products and Services Checking eChecking ECHECKING You spend your life online and that’s why NBT offers its eChecking account to help ensure that your banking is too. Enjoy a fully digital banking experience with this paperless account. COMPARE ACCOUNT OPTIONS (PDF) OPEN AN ACCOUNT Account Details No minimum to open No balance requirements Earn interest on collected balances of $100 or more in the following tiers: Tier 1 $100 > $2,499.99 Tier 2 $2,500 or more Features and Benefits NBT Online Banker with Bill Pay NBT Bank Mobile Banking with Mobile Deposit NBT Bank Debit Card Statement Options eStatements ACCOUNT GUIDE Our Recommendations If you like this product, NBT Bank would also recommend: Personal Statement Savings Make savings a cornerstone in your financial plan. Zelle® Send money with Zelle without ever leaving the couch. Personalize Your Debit Card with MyCardCreation FOLLOW US About Us Locations Careers Investors Accessibility Privacy Security Site Map Member FDIC Equal Housing Lender NMLS ID 500501 Routing #: 021303618 Investment and Insurance Products: • Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value Copyright NBT Bank, N.A.

PERSONAL BUSINESS WEALTH PERSONAL PRODUCTS & SERVICES CUSTOMER SUPPORT ABOUT US LOGIN Personal Products and Services Home Financing Home Equity Loan Options Current Home Loan Customers CURRENT HOME LOAN CUSTOMERS Payment Options Request a Payoff Repayment Assistance We offer a variety of ways to pay your personal loan or line of credit. Click the link below to view them all and choose which works best for you. LEARN MORE Apply Online Loan Process Loan Calculators FOLLOW US About Us Locations Careers Investors Accessibility Privacy Security Site Map Member FDIC Equal Housing Lender NMLS ID 500501 Routing #: 021303618 Investment and Insurance Products: • Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value Copyright NBT Bank, N.A.