Savings

Saving for the future is important for you and your employees. From basic savings options to a full range of retirement planning services, NBT Bank can help you position your business for success.

Agricultural Lending

With more than 150 years of community banking history, we have a seasoned perspective on what it takes to support family farmers. Our experienced team will work with you to meet the specific challenges of your operation. Our financing options include loans for cattle, real estate, personal credit, crop expenses and equipment and modernization.

Investments & Insurance

Whether you’re planning for your financial future or the future of your employees, our financial professionals have the expertise to provide the investment, insurance and retirement services to plan for the future.

Cash Management

We offer a variety of cash management services that will help you manage your cash flow to maximize profits and reduce expense. Your relationship manager will consult with our cash management experts for solutions that will help optimize financial resources for your agricultural operation. NBT Bank can also offer your employees valuable banking benefits and help you increase sales with our merchant services program.

Digital Banking

We know that farming is a 24/7 business that doesn't slow down on weekends or holidays. There's always one more thing that needs to be done and you're not able to make it to one of our convenient locations to do your banking. That's why we offer digital banking solutions to help you bank whenever and wherever you need to.

Card & Payment Services

Gain more control over business spending and simplify record keeping. An NBT Bank Business Debit or Credit Card can help you keep your operation's expenses on track and obtain the buying power you need to operate your farm.