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 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.

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.

Digital Banking

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 digital banking solutions to help you do your banking whenever and wherever you need to.

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.