The Personal Financial Management Tool is available to personal banking customers through NBT Online Banker. It allows you to aggregate your personal financial information on one platform to help you get a complete picture of your finances. Your Personal Finance tab in NBT Online Banker comes equipped with features to help you manage your income and expenses so that you are one step closer to reaching your financial goals. You will be able to review account balances, categorize transactions by type, create budgets and goals, set up personalized budget and account alerts, calculate your net worth and much more.

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.

Account history can be viewed within the system for 180 days back from the current date. Your account history will begin building on the day your Internet banking account is activated.

Changing your password is quick and easy from within your NBT Online Banker Account:

• Select the “Preferences” option at the top of the NBT Online Banker screen
• Click the “Change Password” option
• You will be prompted to:
  • Enter your current password
  • Enter your new password
  • Confirm your new password
  • Click the “Submit” Button

Once you have completed this process, your new password will be active.

Please submit our secure, online Debit Card Travel Notification Form at least two business days prior to your departure. You may also contact Customer Service or your local branch.

If your statement shows transactions that you believe you did not authorize, tell us at once. Telephoning is the best way of keeping your possible losses down. We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. You can contact your local branch or our Call Center at 1-800-628-2265.

Same-Day Availability

• Funds from electronic direct deposits, wire transfers and the following deposits if made in person to one of our employees will be available on the day of deposit:
  • Cash
  • On-us official checks
  • On-us money orders. 

Next-Day Availability

• Funds from the following deposits are available to you on the first business day after the banking day of your deposit if you make the deposit in person to one of our employees and the checks are payable to you:
  • U.S. Treasury checks
  • Federal Reserve Bank checks
  • Federal Home Loan Bank checks
  • U.S. Postal money orders
  • State and local government checks
  • Cashier’s, certified and teller’s checks
  • Checks drawn on NBT Bank and
  • Checks drawn on all other U. S. banks.

In some cases, we may delay your ability to withdraw funds beyond the schedule outlined above in accordance with the NBT Bank Funds Availability Policy, which is available in the Consumer Deposit Account Agreement. Then, the funds will generally be available between the 7th and 9th business day after the banking day of deposit, depending on the type of hold placed on your account.

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.

Visa Checkout makes online shopping more enjoyable by making it easy to complete your purchase. Simply enter your username and password and speed through your online shopping experiences with a single account that can be used across all your devices. No need to re-enter your card number or address. And you can store and use any major credit or debit card.

Some benefits of Visa Checkout include:

• Reducing the number of payment screens to just two, eliminating the need to reenter shipping and billing addresses
• Offering a consistent, simple experience across desktop, mobile web and apps
• Offering an experience which never requires shoppers to leave the merchant's website to complete a purchase
• Offering the option to pay with any major debit or credit card
• For more information about Visa Checkout, visit: www.visacheckout.com

To add an address, follow these steps:

• Sign into your Visa Checkout account
• Click the "Address Book" tab
• Click the "Add an address" link
• Enter the address details in the provided fields. If the address is the one you most frequently use, you can check the "This is my default shipping address" box. Your default address is automatically selected for you when you pay with Visa Checkout
• Click "Save address"

You can add Visa, MasterCard, American Express or Discover credit or debit cards to your Visa Checkout account. Your cards will be saved in your account so checking out at sites that accept Visa Checkout is fast, safe and secure. To add a card to your account:

• Sign into your Visa Checkout account
• Click the "Payment Methods" tab
• Click the "Add a payment method" link
• Enter your payment information in the provided fields
• Click "Save."

Visa Checkout cannot add your card to your Visa Checkout account if the billing information you entered does not match the billing information associated with your card. Please verify that you have correctly entered the required card information, and that the billing address matches the card information on file with NBT Bank.

To prevent unauthorized access to card information, Visa Checkout stops multiple attempts to add a card to your payment methods with incorrect information. You are not allowed to add a payment method to your account or complete a transaction for 24 hours after receiving this message.

The Address Book in your Visa Checkout account lets you securely store addresses in your account, and it lets you easily select shipping addresses while you shop. You can also designate a default shipping address, which helps you check out even faster when you frequently ship to a particular address.

No, your NBT Bank payment information will not automatically update within Visa Checkout.

The billing address is required to confirm the address matches the card information on file with NBT Bank prior to making a purchase with your Visa Checkout account. This also enables you to shop without sharing card account information with the seller when you pay.

Yes, the same credit or debit card can be added to two different Visa Checkout accounts.

NBT Bank will display a standardized card image within Visa Checkout that may or may not match the design seen on your physical NBT Bank card. This will not impact your ability to use Visa Checkout.

You can change your password by signing into your Visa Checkout account and selecting the "Account Settings" link and then the "Account Information" link.

Yes, you may correct the information that has been pre-populated.

You can change your security question answers by signing into your Visa Checkout account and selecting the "Account Settings" link and then selecting "Account Information" link. Select option "Edit Security Questions".

No. If you wish to change your email or phone number you must set up a new account and re-add all your profile information, including billing address and payment cards. We also recommend that you close your original account by visiting the Visa Checkout homepage, clicking on Customer Support and then Troubleshooting. Find the "Problem with your Account" section and follow process to close your account.

You can close your account by signing into your Visa Checkout account and selecting the "Customer Support" link and then clicking on "more" under the "Troubleshooting" section. Then click on "Problem with your account", then go the "Close account" section.

You can confirm your mobile number by signing into your Visa Checkout account, click "Account Settings" and then click the "Confirm Mobile". Click on the "Send Code" button and a code will be sent to your mobile number via SMS. Enter the code sent to your mobile phone at the "Account Setting" link to complete confirming your mobile number.

Visa has a wealth of experience in handling sensitive information. Visa uses advanced security technologies to help protect your information, including industry standard encryption and multilayer authentication.

If you have questions about your Visa Checkout account, please contact Visa Checkout support at support@mail.visa.checkout.com or call 1-855-847-2032, then enter your access code or press number 1 (24x7 except Christmas and New Year's Day).

No, there is no cost to participate or fee to use Visa Checkout.

For questions regarding your Visa Checkout account, please contact Visa Checkout support at support@mail.checkout.visa.com or call 1-855-847-2032, then enter your access code or press number 1 (24x7, except Christmas and New Year's Day).

If calling from outside of the US or Canada, customers can call 303-967-1041, then enter your access code or press number 1. **International calling rates may apply.

If you wish to dispute a transaction you made with your Visa Checkout account, contact the merchant directly to attempt to rectify the situation.

Visa is committed to maintaining the highest standard of security and privacy with your Visa Checkout account information. Visa notifies you of changes to your Visa Checkout account as an added level of security to help protect you should someone else attempt to take control of your account. Visa does not allow customers to stop receiving these notifications to ensure we maintain the highest standard of security and privacy with your Visa Checkout account information.

No, neither Visa nor NBT Bank are able to enroll you on your behalf.

When you're shopping online at merchants that accept Visa Checkout, you'll see a "Checkout with Visa Checkout" button at checkout. Once you have created a Visa Checkout account, all you need to do to pay at these sites is sign in with your email address and password.

At this time, neither NBT Bank nor Visa Checkout currently closes Visa Checkout accounts that are inactive.

You must enter your first name, last name, valid email address, phone number (optional) and create a password to set up your Visa Checkout account.

Yes, after you enroll in Visa Checkout, you can use it at any online store where you see Visa Checkout.

Contact the merchant directly to ensure your order was successfully processed.

If you are attempting to enroll with your mobile number and receive a message "The mobile number is already linked to a Visa Checkout account", you may reclaim the mobile number if you didn't create that account. Reclaiming your mobile number will close the Visa Checkout account associated with the mobile number and allow you to create a new account. Use the "claim this account" link and Visa Checkout will send instructions to your mobile number via SMS which includes a reclaim code which will expire within 5 minutes of it being sent.

No, once an email address or mobile number is used to create a Visa Checkout account, it can't be linked to or used again to create a different Visa Checkout account.

The Visa Checkout account can accommodate the number of cards that any typical consumer carries.

Contact the merchant directly to verify your order or make any changes.

To meet the minimum requirements, a Visa Checkout password must:

• Have at least 6 (six) characters and a maximum of 32 characters
• Not be the same as 5 (five) consecutive characters of the user ID
• Passwords are case sensitive and allow for these special characters: ! @ # $ % ^ & * ?
• Cannot contain any spaces or any repeating 3 (three) characters

If you received a decline message while shopping online using your Visa Checkout account, please contact NBT Bank customer service at 1-800-628-2265.

You can edit the Payment Method nickname by following these steps:

• Go to the Payment Methods tab and select the payment method you want to edit
• Click the "Edit" button and change the nickname
• Click "Save Changes" to save the change

In some situations, a merchant may need to contact you to complete your purchase order. Visa Checkout makes this information available to the merchant should a problem with your purchase require the merchant to contact you.

Add Visa, MasterCard, American Express or Discover debit or credit cards to your Visa Checkout account.

If you choose a preferred payment method when adding a card to your Visa Checkout account, this card will automatically be selected when you checkout using Visa Checkout as your payment option. You can still change your payment method for any given transaction even if you have set one method as preferred.

No, Visa Checkout does not allow private label cards to be added as a Payment Method in your Visa Checkout account.

No, you are not able to use your Visa Checkout account for purchases during the time the account is locked.

When selecting this option, your user ID will be auto-populated and you will only be required to enter your password to log in at a site or complete a purchase. This feature is available when logging into your account or merchant site from the same device. Additionally, your preferred payment option will be displayed during checkout.

To check order status or make changes to your order, please contact the merchant directly. If you have concerns about a charge, the status of a refund, or have any customer service issues with the merchant, please contact the merchant directly. If you have an issue that has not been resolved by the merchant and would like to escalate a concern about a charge or refund, please contact NBT Bank.

If you're having trouble with your Visa Checkout account, visit www.visacheckout.com and click on Contact Us at the bottom of the page. For questions regarding your Visa Checkout account, please contact Visa Checkout support at support@mail.checkout.visa.com or call 1-855-847-2032, then enter your access code or press number 1 (24x7 except Christmas and New Year's Day).

Just click the "Forgot Password?" link on the sign in page on the Visa Checkout website. Visa Checkout will send instructions to your enrolled email address to reset your Visa Checkout password.

Visa Checkout requires answers to security questions in order to validate your identity in some situations, such as when you log in from a new device or when you have forgotten your password.

If you have forgotten your password or are unable to access your Visa Checkout Personal account, you can re-enroll in Visa Checkout by reclaiming your email address. To do so, follow these steps:

• Fill out the enrollment form. You will then see a page informing you that your email address is already enrolled in Visa Checkout.
• Click the "reclaim my email address" link.
• Visa Checkout will send instructions to your email address. Follow those instructions to complete the process.

Reclaiming your email address will close your previous Visa Checkout account and allow you to enroll again with your email address. You must re-enter all your card and shipping information.

If you know your password and need to add security questions and responses to your account, log in to your Visa Checkout Personal account. Visa Checkout will prompt you to set up these responses from there.

Your Visa Checkout log in session expires after 8 minutes of inactivity.

In order to make payments using your Visa Checkout account, you must enter and confirm your payment card information. Visa uses advanced security technologies to help protect your information, including industry standard encryption and multilayer authentication. When adding a payment method to your account, Visa asks for your billing address. The billing address is required to confirm the address matches the card information on file with prior to making a purchase with your Visa Checkout account.

To create a Visa Checkout account, just visit www.visacheckout.com and click "Create an Account." You'll be able to establish your initial profile, create your password and add payment methods & shipping addresses to your account.

You can also sign up for an account if you're shopping on a website that accepts Visa Checkout. When you see the Visa Checkout option, select it and follow the enrollment steps.

Once you've created your Visa Checkout account, you can use it to complete purchases without re-entering your payment and shipping information on any online store where you see Visa Checkout. Simply enter your username and password, or just your password if utilizing the 'remember me' option.

Here's an overview of the things you can do in your account:

• Add more payment methods
• Edit card details
• Remove a payment method
• Set a default payment method and shipping address
• Add frequently used shipping addresses

A list of online stores currently accepting Visa Checkout can be found at www.visacheckout.com. Visa is continually adding to the list of online stores who accept Visa Checkout. Please check the home site periodically for the latest merchant information.