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Card & Payment Services For Businesses

NBT Bank is committed to providing convenient and secure options to help you access your money, make purchases and issue payments. Our card options provide you and your employees easy access to the funds needed to keep your business moving forward and provide you with a convenient way to control and track expenses.

Enjoy the convenience of the NBT Bank Business Debit Card. You can use this card to access your checking and savings accounts at ATMs. Use your debit card wherever Visa® debit is accepted, so you can pay for purchases quickly and easily. Your purchases are automatically deducted from your checking account with no checks to write and no need to present identification or courtesy cards.

With SMS Fraud Alerts, a text message is sent to the mobile phone on record for your account when unusual activity is detected.

Watch the NBT Bank Debit Card Benefits Video.

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero fraud liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember service available 24 hours a day/365 days per year.


*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Current Credit Card Account Holders

If you are a current credit card customer, you can log in to view current balances, pay your bill, set up auto pay or sign up for email or text message account alerts.


The Visa CommUNITY Credit Card is designed for non-profits and municipalities and has no annual fee. Enhanced reporting helps document expenses, track purchases, reveal spending patterns, organize budgeting information and save time on accounting procedures.

  • No annual fee.
  • Generous credit lines.
  • No personal guarantee required.
  • Free rewards program available.

Contact one of our relationship managers for more information or to apply for a CommUNITY Credit Card.

My Account Access is an online portal that allows you to manage your account and utilize the following features:

  • View current balances.
  • Pay your credit card bill.
  • Set up auto pay.
  • Sign up for email or text message account alerts.
  • View credit card statements.


Gift Cards are great for:

  • Employee gifts
  • Bonuses
  • Raffles
  • Donations
  • Giveaways

Sample of NBT Co-branded Gift Card

Gift cards can be purchased as a customized large order or instant issued, please see your local office for more details. Ask for information about our new co-branded gift cards* and how they can be a great marketing tool for your business.

Review the Gift Cards FAQs for information on using your gift card.

Purchase fee of up to $6.95. Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.00. NBT Bancorp Visa® Gift Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted in the US. No cash or ATM access.

*There is a one-time setup fee. The process takes about 21 days from start to finish.


Manage debit card usage and spending.

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Mobile Payments

Enjoy easy and secure ways to pay.

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Your Business on Your Debit Card

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apple pay.

Enroll your NBT Bank Business Debit Card or Credit Card in Apple Pay and make purchases in stores or in apps without having to reach for your card.

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Mobile Deposit.

You can deposit a check from the convenience of your mobile device.

Learn More

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