Important Service Disruption:
Enjoy the convenience of depositing a check from your mobile device through NBT Bank Mobile Banking. Before getting started, please keep the following in mind:
Use of Mobile Deposit demonstrates acceptance of NBT Bank's Mobile Disclaimer.
To provide Mobile Banking user access you log in to NBT Online Banker and then:
To provide Mobile Deposit user access you log in to NBT Online Banker and then:
Yes, Mobile Deposit is available to all business customers enrolled in NBT Bank Mobile Banking in addition to its availability for personal banking customers.
To make a Mobile Deposit, please endorse your check as you normally would for any other deposit. NBT Bank recommends specifying "For Deposit Only".
For the security of your account and accuracy of your account transactions, Mobile Deposit will conduct several tests to ensure your check complies with the Federal Reserve standards for clearing check images. Our recommendations to meet those requirements include:
If you continue to experience difficulty, please visit your local NBT Bank office for deposit assistance.
No. Mobile Deposit will only process checks that have been issued in the U.S.
If you submit a Mobile Deposit before 6:00pm on a bank business day, your funds will be available the next business day. Deposits made after 6:00pm will be processed the next business day and available the business day following.
Holds will be placed on a case-by-case basis and in accordance with NBT Bank's Funds Availability Policy, which is available in the Consumer Deposit Account Agreement. Holds might not immediately show on the account.
We reserve the right to reject any item transmitted through the Mobile Deposit services, at our discretion.
Yes. As long as the individual is a joint owner on the account and the check has been properly endorsed the check can be deposited.
No, you can skip the slip with Mobile Deposit. All of the information gathered from a deposit slip will be captured electronically.
No. Mobile Deposit will only allow deposits to be made to an NBT Bank checking account.
Typically, funds from a Mobile Deposit completed before 6:00pm on a business day should be available in your account the next day. If that time has passed and you do not see confirmation of your deposit, please contact NBT Bank Customer Service at 800.628.2265 for assistance.
Yes, you can deposit a money order or traveler's check.
No, a check can only be deposited to a single checking account. After the deposit has cleared, you may then transfer funds between multiple accounts.