Savings

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

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 help you plan for the future. The NBT Wealth Management team will help you develop a plan to reach your financial goals and the insurance representatives at our business partner NBT Insurance Agency can design an insurance program that provides peace of mind knowing your business is protected.

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 your financial resources, offer your employees valuable banking benefits and increase sales with our merchant services program.

Card & Payment Services

Gain more control over spending and simplify record keeping. An NBT Bank Business Debit or Credit Card can help you keep expenses on track and obtain the buying power your business or organization needs.

Commercial Lending

Our commercial bankers work with you to understand the specific needs of your industry and to structure loan terms to meet your needs. Our lending solutions provide you with cash flow to meet expenses, purchase equipment, meet seasonal demands and plan for future growth. We offer a variety of loan products and have the resources necessary to finance the lending needs of small businesses as well as large companies.

Digital Banking

While there may be 24 hours in a day, it doesn't always feel that way. But, it is good to know that your bank is available for all of them. We understand that you're not always able to make it to one of our convenient locations. That's why we offer digital banking solutions to help you do your banking whenever and wherever you need to.