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Pennstar Bank is now NBT Bank

Since its beginning, Pennstar Bank has been a part of NBT Bank. On Monday, March 10, 2014, Pennstar Bank began doing business as NBT Bank. Bringing our Pennstar locations under the NBT Bank brand allows you to more fully access all of our financial service offerings and better identify our 158 offices and more than 180 ATMs across the five-state area we serve that also includes New York, Vermont, Massachusetts and New Hampshire.

What to expect after we change our name to NBT Bank.

Branch Hours

While our signs will be changing in March, there will be no changes to the staff or the hours at our banking locations.

Checks, Withdrawal and Deposit Tickets and Payment Coupons

You may continue using your existing Pennstar Bank checks, withdrawal and deposit tickets and loan coupon books.

While we will continue to process Pennstar Bank checks, we encourage you to replace your checks with NBT Bank checks at your earliest opportunity. If you order your checks through the bank, the bank name and ABA routing number will be automatically updated. If you order your checks through a vendor other than the bank, remember to change the bank name on your checks to NBT Bank and change the ABA routing number to 021303618 when you reorder. (The routing number is a nine-digit number that appears at the bottom of your check to the left of your account number.) All other information will remain the same.

Debit, ATM and Credit Cards

  • Visa® Debit Card - You can continue to use your current Pennstar Bank Visa® debit card. A new NBT Bank Visa® debit card will be issued to you when your current card expires.
  • ATM Card - You can continue to use your current Pennstar Bank ATM card. Within six months of the name change you will receive a new NBT Bank ATM card.
  • Visa® Credit Card - You can continue to use your current Pennstar Bank Visa® credit card. A new NBT Bank Visa® credit card will be sent to you in early April.

Online Banking and Bill Pay

If you are an Online Banker and Bill Pay user, you will be able to continue using your current Login ID and password. You can now access these services from www.nbtbank.com. Simply select "NBT Online Banker" from the Account Login drop-down menu as you did on the Pennstar Bank website. Any scheduled transfers or bill payments will not be affected.

Statements

After March 8, you will receive an NBT Bank statement that includes all account transactions from the date of your last Pennstar Bank statement. If you receive check images with your statement, all images for the statement cycle will be included. Customers with combined statements will continue to receive a combined statement.

Telephone Banking

Telephone banking is now available using the NBT Banker Line at 1.800.NBT.BANK (1.800.628.2265). As a security measure, you will be prompted to enter your full Social Security number and a personal identification number (PIN). The first time you access the NBT Banker Line your PIN will be the last four digits of your Social Security number. You will then be prompted to select a new four-digit PIN. You may re-enter the same PIN you previously used to access this service.

Important Fee Information

Beginning March 10, 2014, the following NBT Bank fees will apply to your accounts.

Overdraft Fees

  • A flat $32 per-item fee will be assessed for overdrafts on checking and savings accounts. (This fee is assessed if the overdraft is the result of insufficient funds or uncollected funds and will be charged if the item is paid or returned.)
  • The number of overdraft fees that can be charged to an account on a single business day will be limited to six.
  • No overdraft fees will be charged when an account is overdrawn by $5 or less.

Foreign ATM Use

  • A fee of $1 per transaction will be assessed for using a debit or ATM card at a non-NBT Bank ATM.

Personal Overdraft Line of Credit Accounts

Customers with an Overdraft Line of Credit attached to their checking account should note that beginning March 10, 2014, we changed the way we calculate the regular payment for your Overdraft Line of Credit. Your regular payment, including interest, will be calculated based on 2.77% of the outstanding principal balance or $10, whichever is higher.

Frequently Asked Questions

What routing number should be used?
Please note that ABA routing numbers used by Pennstar Bank will continue to be supported after the conversion. If you order checks through the bank, the bank name and ABA routing number will be automatically updated beginning with any orders placed on March 3, 2014. If you order checks through a vendor other than the bank, you should change the bank name and ABA routing number to 021303618 when you place your next check order.

Can I still use my Pennstar checks and debit card?
Yes, you can continue using your current Pennstar Bank checks and Visa® debit card. A new NBT Bank Visa® debit card will be issued to you when your current card expires.

Transition letter pdf

Click here for a printable version.

If you have questions, please contact your local NBT Bank office our Call Center at 1.800.NBT.BANK (1.800.628.2265).