NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our enhanced website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Internet Explorer, Mozilla Firefox or Google Chrome.

Please visit Microsoft.com, Google.com, or Mozilla.org to download the current version(s).

To directly access an account login page please use the links below:
NBT Online Banker | eStatements | NBT Wealth Connection | NBT 401(k) Daily Services | NBT Remote Deposit | LPL Account View Online

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


Cash Management

Efficient use of your time and money is one of the keys to being successful in business. NBT Bank's cash management services will provide you with the flexibility and resources to effectively manage your funds. Your relationship manager and our cash management experts will work with you to select the right options for your business.

Contact one of our commercial bankers to begin a conversation about how we can support all of your cash management needs.

Remote Deposit Capture

Deposit checks without having to leave your office! Remote Deposit Capture is a service which allows customers to scan checks and transmit the scanned images over a secure internet connection directly to the bank for posting and clearing. Among the many benefits, the window for same-day deposits is extended to 6:00 p.m.

LEARN MORE

Sweep Repurchase Agreement

This service allows organizations to earn interest on their excess balances. All available balances above a predetermined amount are automatically transferred into a repurchase account on a nightly basis. The repurchase process involves the purchase of a security interest which serves as collateral for the swept money. Funds remain liquid and available on demand for operational use.

Target/Zero-Balance Sweep Services

Target/Zero-Balance Sweep services allow customers to link various checking accounts together for overdraft protection or cash concentration. When the balance in a subsidiary account falls below the predetermined target balance, funds are automatically swept from the lead account to the sub account. These services eliminate the need for customers to make additional transfers to fund their payroll and other accounts. All funds stay consolidated in the operating account as checks are presented for payment; only those funds are automatically transferred from the general account.

Sweep/Line of Credit

Customers who carry a large balance on a line of credit will benefit from this service because it automatically pays down the line and reduces interest expense. To accomplish this, a checking account is linked to a commercial line of credit and all available balances above a predetermined amount are used to automatically pay down the line. Conversely, if the checking balance falls below a predetermined amount, funds are automatically transferred from the line of credit.

NBT Online Banker for Business

Our internet banking service is the cornerstone Cash Management product for many of our business customers, particularly those who have the need for Automated (ACH) origination. NBT Online Banker for Business is a web-based service that allows you to connect to your NBT Bank accounts, 24 hours a day, seven days a week. Our various service suites allow you to tailor your NBT Online Banker service to the specific needs of your business.

LEARN MORE

Mobile Banking for Business

With our Mobile Banking app you can access your bank accounts at a time and place convenient for you. Whether you text, use a smartphone or tablet, you can manage your money virtually anywhere with our mobile banking app by using your existing online banking username and password. You can even deposit checks with our Mobile Deposit service.

LEARN MORE

Positive Pay and Payee Positive Pay

Positive Pay is a check fraud service that protects customers from illegal duplication of documents. It also reduces the time needed to resolve issues when fraud is perpetrated. The customer provides issuance information—date, amount and check number—every time a check is written. Then, as checks come in to be paid, they are compared with this issue file. If any check does not match the file, a reject report is created and sent to the customer, who then decides whether to pay or return the item.

Payee Positive Pay works in conjunction with our Positive Pay service to verify the payee information issued with a payment request to help prevent check fraud. If the payee information does not match what’s on record with your issuance file, an email notification is created and will be sent to you for you to decide whether or not the item in question should be paid.

 

Electronic Data Interchange (EDI)

As more money is moved through the ACH system, businesses need to receive information supporting the fund amounts that are being credited to their accounts. Large ACH transactions often come to the bank with attached non-financial information called addenda records. We offer a service that allows us to receive and translate these addenda records into a user-friendly format. The resulting EDI reports are then sent to the customer on a daily basis.

Images on Compact Disc (CD)

Businesses who issue large volumes of checks monthly appreciate having the images of their returned checks stored on a CD that has a built-in search feature. The benefit is twofold: customers don’t have to store boxes of canceled checks and the process of locating specific checks is much faster. We also offer a CD of deposited checks and items.

ACH Debit Block

This valuable electronic fraud prevention service maintains the security and integrity of your accounts by blocking unauthorized ACH debits from posting. You simply notify us of those ACH debits that are authorized to post and anything else will be returned to the originator.

Account Reconciliation

This service is suitable for larger businesses that issue numerous checks and seek assistance in the monthly reconciliation of their accounts. Daily checks presented for payment are compared to an issue file. Encoding errors are identified and corrected. At the end of the month, a full reconciliation report is generated including: Checks Paid, Checks Outstanding and Stops. A simplified version of our Account Reconciliation is also available, whereby we simply produce a Paid Check report with the checks listed in numerical order.

Employee Banking

chevron right image Learn More
Debit & Credit Cards

chevron right image Learn More
Merchant Services

chevron right image Learn More


This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

Are you sure you want to continue?

Yes No
X