Small Business
Deposit Options | Loan Options | Additional Options | Health Savings Account

At NBT Bank, we know there's no such thing as a small business. Your business demands a lot of your time and energy. To manage it effectively, you need banking options that are both flexible and convenient.

Your NBT Banker is committed to providing you with the highest level of service and the small business banking options that are right for your business. We offer a complete range of deposit and loan products as well as specialized services that make doing business easier.


Deposit Options

NBT Bank offers checking accounts for businesses of all sizes, including options for small businesses that are user-friendly and don’t involve complicated charges or credits.

Star Business Advantage CheckingNBT Banker Card
With Star Business Advantage Checking, you’ll gain access to a unique package of NBT Bank products and services full of added value.

  • Write up to 100 checks and deposit up to 200 non-NBT Bank checks each month. You’ll pay no monthly maintenance fee when you maintain an average daily current balance of $7,500.

  • Our NBT Banker Business Check Card can be used wherever Visa® Debit is accepted. Use it instead of checks, and pay no monthly fee with Star Business Advantage Checking.

  • The NBT Banker Line offers you the flexibility to bank by phone, where and when it’s convenient for you. It’s available 24 hours a day, seven days a week.

  • NBT Bank's Star Business Advantage Credit Line gives you instant borrowing power and overdraft protection.
Star Business Checking
Star Business Checking is designed to meet the basic banking needs of small businesses. You can write up to 50 checks and deposit up to 100 non- NBT Bank checks per month. You'll pay no monthly maintenance fee when you maintain an average daily collected balance of $2,500. Attach an NBT Banker Business Check Card for quick, convenient payment wherever Visa® Debit is accepted, and bank by phone with the NBT Banker Line.

Regular Business Checking
NBT Bank also offers Regular Business Checking, featuring a variable rate earnings credit based on short-term money market rates. An interest bearing business checking account is available to sole proprietors and non-profit organizations. Be sure to ask your NBT Banker about our savings and retirement plans too!


Loan Options

NBT Bank offers a variety of loan options to meet the changing needs of your business.
  • Do you need long term working capital?
    When you need to make capital improvements or purchase equipment, an NBT Bank Term Loan can help. You can borrow funds for your business with a repayment schedule to fit your needs. Term Loan financing through NBT Bank alone or with an SBA guarantee is available for periods up to seven and ten years, respectively.

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  • Are you looking for short-term capital?
    If you are looking for funds to help support a seasonal or non-recurring financing need, an NBT Bank Time Note may be your answer. A Time Note can be effectively used for specific purchases, such as inventory.

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  • Do you need capital to fund your growing business?
    NBT Bank’s Working Capital Line of Credit can fill the gap between accounts receivable and accounts payable. It can support orders and contracts you receive and may help increase inventory during peaks in your business cycle.

  • Do you need funds to purchase or improve a commercial property?
    NBT Bank can provide the financing for your commercial real estate needs. If you need to purchase, expand or make improvements to a commercial property, a Commercial Mortgage from NBT Bank could be the answer for you.

  • Are your suppliers looking for a guarantee that you can pay?
    A Letter of Credit will assure your business partners that you can pay for goods and services they provide. NBT Bank can send a Letter of Credit to a supplier, government agency or other organization that states that you can pay as promised.


Additional Options

NBT Online Banker for Business
NBT Online Banker for Business is a web-based service that allows you to connect with your NBT Bank accounts—deposits and loans—24 hours a day, seven days a week. Our three levels of service—including our free basic package—and our add-on bill payment option allow you to tailor the service to the specific needs of your business.

Visa® and MasterCard® Business Credit Cards
Visa® and MasterCard® Business Credit Cards are available to businesses to assist you with the purchase of inventory and work-related items, business lunches and dinners, and more. Monthly statements help you to monitor your expenses and allow for easy reconciliation of transactions and payments.

Merchant Services
Our Merchant Services provide you with a secure, cost-effective payment processing solution that will enable you to handle your customers' credit and debit card purchases with ease.

Night Depository Service
Night Depository Services are available to enable you to make deposits conveniently after banking hours. Deposits are kept safe overnight and are automatically deposited into your account on the next business day.

For complete details about how our deposit, loan and additional options can meet the needs of your small business, contact your NBT Banker today. Please click here to download our latest brochure.

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