|General Banking||Online Banking||Personal Loan Payments|
For your convenience, we offer several options for making personal loan payments. A summary of these options is provided below. Complete details are available on our Personal Loan Payments Options page.
There is no fee for on-time payments made when you select one of the following payment options: NBT Online Banker, auto draft, external account transfer, by mail or in person.
On-time payments facilitated by a Call Center representative are subject to a fee of $16.95.*
On-time payments made through the Pay Your Loan link and with our Automated Phone Service are subject to a $4.95 fee.*
*If your payment is late, you will incur the regular late payment fee.Top
You can make installment loan, car loan, personal line of credit and residential mortgage payments.Top
You cannot make commercial or business loan or line of credit payments using the Pay Your Loan link.
If you are enrolled in Online Banker, you can set up a transfer from your checking account to your loan account to make one-time or recurring payments. Please contact your relationship manager to discuss options for making payments.Top
Simply select the Pay Your Loan link on our payment options page. You will be notified that you are leaving our website. When you click okay, you will navigate to the secure online payment service we offer through a vendor partner. There's no need to register for this service, and you don't need a user name or password. There is a $4.95 fee for payments made using the Pay Your Loan link.
You will need your loan account number and email address to begin the process. You'll also need the following additional information depending on your method of payment.
You will receive a confirmation email when you have successfully completed your transaction.Top
Payments made before 3:00 p.m. on a business day will be posted to your loan account that day. Payments made after 3:00 p.m. on a business day or on a weekend or federal holiday will be posted the next business day.Top
We offer two options for making payments by phone.
You can find your loan account number at the top of your loan coupon book or billing statement.Top
An electronic check is a direct debit to your checking account that's made using the Automated Clearing House (ACH) network. This network is used by financial institutions to facilitate transfers between accounts. Another type of ACH transaction that you may be familiar with is a direct deposit.Top