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Working Together to Address COVID-19

"As Coronavirus continues to dominate headlines worldwide, the health and security of our customers, our communities and our employees is top priority. NBT Bank has a well-developed proactive plan in place for these types of situations that has enabled us to swiftly implement measures and processes to ensure safety and prevent service disruptions."

—President and CEO, John H. Watt Jr.

Here to help

We are constantly evaluating ways that we can assist with solutions to address your financial hardships. Effective immediately, the following assistance will be available to our customers.

Retail Banking, Personal Loans and Mortgages

  • We have temporarily increased daily limits for ATM withdrawals and mobile deposits.
  • We are temporarily waiving late fees on loans and penalties for early CD withdrawals up to $20,000.
  • We have developed a personal loan relief program and are also offering payment deferral options upon customer request. To make a request, please contact our COVID-19 Customer Relief Line at 1-888-235-2881.

Small Business Customers

  • We have temporarily increased daily limits for mobile deposits.
  • We are temporarily waiving late fees on loans and penalties for early CD withdrawals up to $20,000.
  • We are streamlining processes to help you with your financial needs.
  • We have developed programs to provide relief through working capital lines of credit and payment deferrals. To make a request, please contact our COVID-19 Customer Relief Line at 1-888-235-2881.

Commercial Banking Customers

  • Our commercial banking relationship managers are ready and able to work with customers to provide relief to those under pressure at this time through working capital lines of credit and payment deferrals. Please contact your relationship manager directly for assistance.
  • We are streamlining our processes to ensure customers have the tools necessary to manage cash flow efficiently, and we have temporarily increased our mobile deposit limits.
  • Customers are encouraged to use online banking services that enable remote access and support social distancing during this extraordinary time.

We understand that the unprecedented nature of the COVID-19 Pandemic will result in unique challenges. If your situation is not addressed by the measures above, please contact our COVID-19 Customer Relief Line to help us learn more about your needs so we can support you in finding solutions.

Branch Availability

Click here to find out more about branch hours and access.

Protect yourself from fraud

Click here to learn more about how to defend yourself and stay safe amid COVID-19 scams.

Doing our part

To prevent the further spread of Coronavirus, we have implemented preventative measures across NBT.

  • We continue to encourage our employees to stay home if they are sick and have implemented programs to assist employees caring for children at home and sick dependents.
  • Through technology, we are enabling many of our employees to work remotely.
  • We have enhanced cleaning efforts and implemented social distancing measures in our facilities.

Bank Whenever. Wherever. 24/7

Customer Service

Monday-Friday, 7am – 7pm
Saturday, 9am – 12pm

COVID-19 Customer Relief Line at 1-888-235-2881

Please note we anticipate increased call volumes.

[email protected]

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Keep up with the latest Market Insights

The impacts to our economy resulting from the spread of coronavirus are ever changing. Click here for the latest reflections from NBT’s economic experts.

Our COVID-19 Response

Here is what you need to know about our response:

We are prepared. Our company maintains proactive plans that are regularly updated to make sure that we are positioned to prevent service interruptions.

We are taking action. We’re doing our part to prevent the spread of germs, including enacting preventative measures across all locations within our footprint.

We are monitoring the situation as it unfolds. We’re in touch with public health officials and are following their guidance and recommended protocols.

We offer 24/7 account access through nbtbank.com and our mobile app. NBT Bank offers several ways that allow you to do your banking digitally, 24/7. This includes checking balances, making payments, transferring funds, depositing checks, or locating the nearest ATM.

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For news and updates on Coronavirus, visit the
Centers for Disease Control website.


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