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Whether you’re banking from home or on-the-go, we’ve launched our most powerful, yet simple, online and mobile banking services to date. Now, you get more and can do more than ever before – and it’s all because of you. We took real customer feedback and created an exceptional digital banking platform that is simple to use and provides new and improved features to help you bank at home or on the go. We encourage you to explore and use as many options as you can, including Credit Sense®, to see how you can simplify your banking life with our new and updated services.
If you can do it on your desktop you can do it from our mobile app. Get one seamless digital banking experience from all your devices: computer, mobile phone, tablet. With a quick download of the NBT Bank app on your mobile device you’ll be on your way to full-service banking on the go.
Current Users Update your mobile app now to get the full experience.
New Users Download the app to start banking on the go.
Our newly enhanced digital services and features make managing your financial life easier and better than ever.
Transaction History
View up to 18 months of account history (increased from 6 months). Plus, export one full year or more of history to Quicken/CSV at tax time.
Real-time Point of Sale (POS)/Holds
View all debit card transactions, transfers and POS holds instantly.
Check Images
Get up to seven years of check image history (increased from 180 days).
Deposit Images
View up to seven years of deposit images, including the deposit slip and each individual item in a deposit!
Account Alerts
Set real time account updates, such as low balance alerts, checks cleared, loan payment due and posted alerts—over 20 alerts available!
Real-time Personal Information Updates
Manage your personal information on record, just log-in to update your phone number, home or email address, etc. All updates take effect immediately.
Powerful Personal Financial Management Tool
Get the real picture by including all your financial accounts—not just NBT bank accounts. Create custom budgets and tracking categories for income, spending and expenses.
Secure Messaging
Contact Customer Service securely through our mobile app or online to share sensitive content, like password updates, account details or even send and receive confidential documents.
Zelle is a fast, safe and easy way to send and receive money with friends, family and others you trust.
Fast Balances
Attention mobile users! Simply swipe to the left or click a button in app to see current balances, without logging in! (Enrollment to activate “Fast Balances” feature required.)
Mobile Deposits
Save time by depositing checks with your mobile device. In just a few simple steps you can deposit checks in a snap!
Current Users View our Conversion Guide to answer your questions and help you transition to an even better digital banking experience.
Now card controls are located directly within your Mobile Banking apps as well as Online Banking - no third-party app required.
Stay up to date with your credit score and report.
Credit Sense powered by SavvyMoney® is a comprehensive program offered through NBT Bank's new Online and Mobile banking platform designed to help you stay on top of your credit.
Haven’t found your answer? Search our popular questions below to help find what you’re looking for. Simply type in your question, or choose a subject from the dropdown, or do both and click Submit.
In order to take advantage of all features in the NBT Mobile Banking App, you need to have the latest version of the app installed on your mobile device. We encourage you to check your update notifications on a regular basis to ensure you can take advantage of improvements and new features as they become available.
To view additional detail on a single transaction on your account, click on the specific transaction you would like to learn more about and the transaction will expand to include additional details for your reference.
NBT Bank offers three convenient and secure ways to access your personal bank accounts from your mobile device:
There are a number ways to get assistance with NBT Bank Mobile Banking:
Yes. You can easily pay bills using Mobile Banking.
Once you have selected your Payee (or bill you wish to pay) within Mobile Banking, you will be prompted with a drop-down menu to select the account you would like to use to pay your bill. You will then select the amount you wish to pay, and on which date the payment should be delivered. Click "Submit" to process the payment.
Mobile Banking bill payments are processed to payees immediately or as scheduled, just as experienced within Online Banking. If your payment is made electronically, payment will be received in 2 to 3 business day after posting to your account. If your payee does not accept electronic payments, a check will be generated and the payment will be received on the date specified within Bill Pay.
Yes, you can use the same mobile phone and phone number to access Mobile Banking for personal and business use.
Note that you will only be able to associate one of the User IDs with Biometric Authentication.
You can change your mobile number by logging into your Online or Mobile Banking and then:
Yes, Mobile Deposit is available to all business customers enrolled in Digital 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.
No, you can skip the slip with Mobile Deposit. All of the information gathered from a deposit slip will be captured electronically.
Consumer
The total value of all checks deposited in a single day cannot exceed $5,000.
Business
The total value of all checks deposited in a single day cannot exceed $20,000.
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.
Mobile Banking is available through all wireless carriers and for all mobile devices that are SMS text messaging and/or web browser enabled. NBT Bank offers three convenient and secure ways to manage your personal banking needs from your mobile device:
There is no difference between Mobile and Online Banking. Once you have enrolled for one, you are free to access all Digital Banking services from any device.
By tapping on the icon in the upper right-hand corner of the application after you have logged in.
Yes, if your mobile device is SMS text message enabled, you can still access your account information through text messages by enabling Text Banking. To enroll for this service:
Yes: Mobile Banking uses the same hardened security infrastructure as NBT Online Banker including HTTPS encryption with 128-bit encryption and none of your personal information is ever stored or cached on your device.
Simply text, HELP to 51081 to get a list of action commands.
The NBT Bank Mobile Banking app will time out after it remains idle for 15 minutes. NBT Bank recommends logging out of the app after each use to protect your financial information.
You have access to the same features within Mobile Banking as you do within Online Banking. This includes:
Mobile Banking transfers between NBT Bank accounts made before 10:00 PM are processed immediately.
For Personal users, you may click on the “Forgot User ID?” link and complete the requested information to have your User ID emailed to the email address on file.
If you are a Business User and forgot your User ID, your Business Administrator should be able to assist you with recovering or resetting your User ID.
If you are a Business Administrator and forgot your User ID, please contact Customer Service at 1-800-628-2265
Your login ID must:
Your password:
There are no fees for these services. The NBT Bank Mobile app is offered free to any NBT Bank customer with an Apple or Android Mobile Device. Mobile Deposit is a free service provided through the Mobile Banking app.
Your carrier's standard text messaging fees and/or data plan fees will apply.
Your Mobile Banking Login ID (username) is the same username that you use to login to NBT Online Banker.
To recover your Login ID
Touch ID is available for any NBT Bank Mobile Banking user that has an Apple device that supports Touch ID and has the feature enabled. The following devices or newer are supported: Generation 1 - iPhone 5S, iPhone SE, iPhone 6, iPhone 6 Plus, iPad Air 2, iPad mini 3, iPad mini 4, iPad Pro 12.9, iPad Pro 9.7; Generation 2 - iPhone 6S, iPhone 6S Plus, iPhone 7, iPhone 7 Plus, MacBook Pro.
Fingerprint Sign-in is available for any Android Device that has a fingerprint scanner, has the Android 6.0 Marshmallow Operating System or later installed and has the feature enabled.
To enable Touch ID on your Apple device or Fingerprint Sign-in on your Android device, navigate to Settings, Touch ID or Fingerprint Sign-in and then Passcode. Ensure that at least one fingerprint is set up within the device before attempting use on NBT Bank Mobile Banking.
If you have Touch ID enabled on your Apple device or Fingerprint Sign-in enabled on your Android device and have a fingerprint enabled, once you download the latest version of the NBT Bank app (v 3.0.8 or newer), the app will prompt you during the login process to decide whether to enable Touch ID or Fingerprint Sign-in for NBT Bank Mobile Banking or not.
Yes, both Android and Apple® devices support fingerprint authentication. Apple® through Touch ID and Android through Fingerprint Sign-in.
You may enable Touch ID or Fingerprint Sign-in at any time for your NBT Bank Mobile Banking app on supporting Apple and Android devices. Login to the NBT Bank Mobile Banking app and navigate to Settings.
If you log out of the app it is designed to require you to enter your credentials on the login screen. If you minimize or close the app, and then reopen it, you will be prompted for Touch ID or Fingerprint Sign-in.
If you have not authenticated your device (answered your challenge questions) you will not be prompted to enable Touch ID or Fingerprint Sign-in during the log in process until you have correctly answered your challenge question. Once answered, you will be prompted to enable fingerprint authentication upon your next login attempt.
To deactivate the Touch ID or Fingerprint Sign-in feature for NBT Bank Mobile Banking, log in to the app and navigate to Settings. Under Settings, deselect the Touch ID or Fingerprint Sign-in feature.
Transfers can be canceled or edited prior to their initiation while they are in a Pending status. Once a transfer has been initiated, it will change to a status of In-Process and will no longer be subject to cancellation or editing.
The cut-off time for submitting a transaction is 4:00 PM. All transactions submitted after 4:00 PM, Mondays through Fridays or on weekends or bank holidays will be processed the next Business Day.
At this time, you can transfer funds between personal checking, savings, money market checking or money market savings accounts held at any commercial bank or credit union nationwide that is able to accept ACH transfers. You can also transfer funds from your account at another financial institution to pay your NBT Bank loan.
No, when using this service to transfer money, the system will not support transfer requests between two external accounts; one of your NBT Bank accounts must either be the To or the From account. Transfers between two NBT Bank accounts can be completed using the Transfer tab in NBT Online Banker.
NBT Bank Transfers funds electronically via the Automated Clearing House (ACH) secure network. This is the same network used by the Federal Reserve Bank to clear checks between financial institutions. NBT Bank submits a request to the ACH network to transfer funds between the accounts you've specified. ACH then uses its secure channels to complete the transaction. This is the same process used by employers to make payroll direct deposits.
No, you cannot use the External Account Transfer service to transmit funds to financial institutions outside of the United States.
For additional security of your funds, limits of $2,000/week and $5,000/month have been established on how much money can be transferred during various time periods.
The following accounts are not eligible for the NBT Bank External Account Transfer Service:
You may have other accounts that are ineligible for this service due to restrictions specific to your external financial institution(s). If in doubt, please contact the other institutions you have a relationship with to ensure that your accounts are eligible for External Account Transfer services.
No, at this time you cannot use the External Account Transfer service to transfer funds to another NBT Bank customer. This service will be added to NBT Online Banking in a future enhancement.
NBT Bank's External Account Transfer service is available to customers through NBT Online Banker and NBT Bank Mobile Banking. Just sign in to your NBT Online Banker account and go to the Transfers tab and click the Recipients sub-menu. Once there, click the Add Recipients button and enter the requested account information and follow these steps.
Transactions are processed on the date you specify up to a year in advance. Transactions will take approximately three (3) business days to process. If a transaction is scheduled to process on a weekend or holiday, it will be processed the next Business Day.
Once you have successfully added an external account, there are two ways for you to complete a transfer:
From the Account Balances screen:
To verify the transfer has been initiated by you, you will be required to enter your One Time PIN in the box shown on-screen to complete the funds transfer. We will send your One Time PIN to you via the contact method you selected when enrolling in that service. Enter your One Time PIN in the box shown on-screen to complete the funds transfer.
From the Transfers Tab
To verify the transfer has been initiated by you, you will be required to enter your One Time PIN in the box shown on-screen to complete the funds transfer. We will send your One Time PIN to you via the contact method you selected when enrolling in that service. Enter your One Time PIN in the box shown on-screen to complete the funds transfer.
You can use this service to electronically transfer money between your account(s) at NBT Bank and your account(s) at various financial institutions within the United States using NBT Online Banker or NBT Bank's Mobile Banking service. You can also transfer funds from your account at another financial institution to pay your NBT Bank loan.
We do everything possible to protect your security and maintain the integrity of the payments network. The account verification procedures are safeguards that help us make sure nobody sets up your accounts or transfers funds between accounts but you.
If your payment is made electronically, payment will be received in 2 to 3 business day after posting to your account. If your payee does not accept electronic payments, a check will be generated and the payment will be received on the date specified within Bill Pay.
Log into Online Banking and select “Profile” and “Profile Updates” to update your profile.
Simplifying your banking experience is more important than ever. With eStatements you can:
Accessible through Online Banking, eStatements are available for delivery of your checking, savings and loan statements.
Internal Transfers submitted after 10:00 p.m. will be effective on the next business day. Internal transfers submitted prior to 10:00 p.m. will be effective on the current business day.
NBT Online Banking is our internet banking service which provides you with convenient access to your accounts 24/7. With NBT Online Banking you can:
Account history can be viewed within the system for 18 months back from the current date. Your account history will begin building on the day your Internet banking account is activated.
In order to enroll in NBT Digital Banking, you must have an active NBT Bank account. To enroll:
You can cancel or modify any bill payment before it is posted to your account.
To cancel or modify a payment:
You can cancel or modify a recurring payment using the same process.
Select the “Payments” option from the main menu.
To add payees, select the “Manage Payees” option and
Once you have provided this information, you can make a bill payment from the Payment Center.
Changing your User ID is quick and easy from within your NBT Online Banking Account:
eStatements are a paperless solution to quickly and securely view account statements online. To enroll simply select the Statements option under Accounts within NBT Online Banking and follow the easy instructions.
Just follow these simple steps to easily enroll in eStatements:
If three of your security questions are answered incorrectly, your NBT Online Banking will be automatically locked to protect your account from unauthorized access. Please complete the following:
Simply go to nbtbank.com and use the account login box in the top right of the page.
Changing your password is quick and easy from within NBT Online Banking.
Once you have completed this process, your new password will be active.
After three failed attempts to log into your NBT Online Banking account you will need to reset your password. You can do this easily and securely using the following steps:
You must have Internet access and a web browser with 128-bit encryption. We support the current version and one version back of Microsoft Edge, Google Chrome, Firefox, and Safari.
NBT Online Banking operates using a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a DigiCert issued certificate for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.
NBT Online Banker is our internet banking service which provides you with convenient access to your accounts 24/7. With NBT Online Banker you can: