Treasury Management for Business

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

Contact one of our Treasury Management Representatives to begin a conversation about how we can support all of your treasury management needs.

Business working group at an office

NBT Online Banking for Business

Our internet banking service is the cornerstone Treasury 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.


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.


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.

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.