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If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.

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.

NBT Bank offers a wide variety of Visa® credit card options to meet the credit needs of businesses of all sizes including:

  • Rewards based on purchases.
  • Business travel cards with spending controls.
  • Track business expenses.


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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visa checkout.

Look for the Visa Checkout icon on the checkout page and enter your username and password to bypass having to enter your payment and shipping information at checkout.

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