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FAQs

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  General Banking Online Banking   Personal Loan Payments

Online Banking FAQ

What is NBT Online Banker?

NBT Online Banker is our Internet banking service. It provides you with convenient access to your accounts 24 hours a day, seven days a week. It allows you to view account information, history, and statements. The service also gives you the ability to transfer funds between your NBT Bank accounts and pay bills. In addition, it provides an easy way to communicate with the bank to re-order checks, access eStatements, order a stop payment, or e-mail your questions to the bank.

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What address do I use to get to NBT Online Banker?

The address for the NBT Online Banker system is www.nbtbank.com.

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What are the Personal Computer system requirements to use NBT Online Banker?

You must have Internet access and a web browser with 128-bit encryption is required. We support the current version and one version back of Internet Explorer, Firefox, and Safari.

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Is NBT Online Banker safe and secure?

NBT Online Banker operates using a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

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How do I enroll in NBT Online Banker?

To enroll, you must have an active NBT Bank checking account. If you do not have a checking account, please visit an NBT Bank office. Our representatives will be happy to help you open a new account.

If you have an NBT Bank checking account, you can click on the "Enroll Now" button.

If you would prefer to take a tour before requesting an enrollment form, click the "Test Drive" button for a demonstration of the service.

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Is there a monthly charge for NBT Online Banker?

You can sign up for Account Access Only or Account Access with Bill Payment. Account Access Only is free. Account Access with Bill Payment is available for $4.50 per month.

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What is "Bill Payment?"

 If you select Account Access with Bill Payment, you will be able to make payments to specific payees electronically just as you would by handwriting a check from your checkbook. When a bill payment is initiated using the service, your account is debited for the amount stated on the date that you specify. Payments are made electronically or by check depending on the capabilities of the payee. You can make one-time payments or set up recurring payments.

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How long does it take for payees to receive payment when using NBT Online Banker?

 If your payee will accept an electronic payment, payment will be paid within 2-3 business days of posting to your account. If your payee does not accept electronic payments, a check will be generated. Your payee will receive the payment five to eight days from the specified payment date.

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How do I set up my bill payments?

Select the “Bill Payments” option at the top of the NBT Online Banker screen. A message will appear indicating that you have not yet set up your account to use Bill Payment. Please read the important disclaimer, check the “I Accept the Disclaimer” box and click the “Submit” button. You will then be able to set up your bill payment payees.

To add payees, select the “Manage Payees” option and click the “Add Payee” button. Enter the name of the payee and click the “Search” button to see if the payee is listed. If your payee is available on the pre-determined list, select the payee, enter your account number with the payee and click the “Save” button. For payees not on the pre-determined list, simply click the “Enter Personal Payee” button. You will need to provide the following information:

  • Name of the payee
  • Nickname for the payee
  • Mailing address of the payee
  • City, state and zip
  • Your account number with the payee

Once you have provided this information, you can use the “Quick Payments” or “Scheduled Payment” options to submit a bill payment.

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How can I cancel a bill payment that I submitted?

You can cancel any bill payment before it is posted to your account. Posting to accounts will take place at 4:00 p.m. on normal business days. To cancel or modify a payment, select the “Pending Bill Payments” option and click either “Cancel” or “Edit” next to the payment. You can cancel or modify a recurring payment using the same process.

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What is the cut-off time for transaction processing?

Transfers submitted after 10:00 PM will be posted to your account the next business day. All other transactions submitted after 4:00 PM will be posted to your account on the next business day.

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How far back does my account history display?

Account history can be viewed within the system for 180 days back from the current date. Your account history will begin building on the day your Internet banking account is activated.

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What happens if I forget my password?

 NBT Online Banker will allow you three attempts to input your password each time you sign on. If you forget your password, you can click the "Forgot Your Password" link to have a temporary, one-time password sent to the e-mail address on record for your Login ID. This link can be found on the "Confirm Your Passmark, Phrase and Password" screen in NBT Online Banker. You can also call 1-800-628-2265 for a new password.

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How do I change my password?

Select the “Preferences” option at the top of the NBT Online Banker screen and click the “Change Password” option. You will be prompted to enter your current password, your new password and to confirm your new password. Once you have completed this process, your new password will be active.

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Can I download my account history into Microsoft Money or Quicken?

Yes, we currently support export to Microsoft Money® and Quicken®.

To download account history, select the “Accounts” section at the top of your NBT Online Banker screen. Next, select the “Export History” option, enter the start and end date of the history records and the software version you are using. Click the “Submit” button and then the “Export” button to transfer the information.

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Can I change my Login ID?

Yes. Your Login ID can be changed at your request. You can either fill out an enrollment form at your local branch with the newly requested Login ID written on the form or you can speak with one of our Call Center representatives. This process will cancel your old Login ID and add the new Login ID.

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What is eStatements?

eStatements is the paperless solution to quickly and securely view account statements online. To enroll simply select the Statements option under Accounts within NBT Online Banker and follow the easy instructions.

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Why is a blank window displayed when attempting to view my statement?

It may take several seconds for your statement to open. If your statement does not display after several seconds, customers using Internet Explorer 9 may need to activate Compatibility View.  From within Internet Explorer 9, either click the Compatibility View button on the Address bar or select Tools - Compatibility View.  Then, select the Statement option from within NBT Online Banker and open your statement again.

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