Our relationship managers have the expertise and understanding to help your organization succeed.

For more than 150 years we’ve helped municipal entities and schools achieve their financial objectives. And, we've applied this experience to deliver products and services that best meet your state and federal requirements.

We understand the unique characteristics of local governments and are ready to assist and advise in all areas of deposit, investment and financing activities. NBT Bank's Government Banking Department provides direct investment of deposits into local communities to enhance the infrastructure and qualities of those communities.

Government Banking

Government Checking
Government Savings
Public Financing
Public Deposit Security
Cash Management
Online & Mobile
Card & Payment Services

Government Checking

Our relationship managers understand the specific needs of local governments and municipalities. They will work with you to provide checking and other financial solutions to help you meet your obligations. When you combine your checking account with NBT Online Banker for Business, mobile banking, eStatements and all our cash management solutions, you'll have all the tools you need to manage your municipality's finances conveniently and securely.

Checking Options

Government Savings

At NBT Bank, we offer a full range of savings options for local governments and municipalities in New York State. From basic savings and money market accounts to certificates of deposit, NBT Bank can help you set aside excess funds to save for future obligations.

Public Financing

Our relationship managers work with local governments and municipalities in New York State to provide financing solutions to help you meet your obligations. NBT Bank also offers short-term financing for emergency needs. In addition, we work with your attorneys to assist in the documentation requirements for borrowing under New York State Local Finance Law.

Public Financing Options

Public Deposit Security

At NBT Bank, we offer local governments the ability to protect their deposits that exceed federal deposit insurance limits. Public deposits are secured with insurance and eligible collateral, as required by the states of New York State and Pennsylvania.

Security for Public Deposits

Cash Management

We offer a variety of cash management services that help local governments and municipalities manage cash flow to control expenses. Your relationship managers will consult with our cash management experts for solutions that will optimize financial resources for your organization's finances, allow you to begin to accept credit card payments through our merchant services program and offer your employees valuable banking benefits.

Cash Management Services

Merchant Services

Online & Mobile

While there may be 24 hours in a day, it doesn’t always feel that way. But, it is good to know that your bank is available for all of them. We understand that you’re not always able to make it to one of our convenient locations. That’s why we offer online and mobile banking solutions to help you do your banking whenever and wherever you need to.

Mobile Banking for Business

Online Banker for Business

Card & Payment Services

Gain more control over spending and simplify record keeping. An NBT Bank Business Debit or Credit Card can help you keep your organization's expenses on track and obtain the buying power you need to operate.