Important Service Disruption:
As we continue to navigate the ongoing impacts of COVID-19, NBT Bank remains committed to making sure that we support our customers and their banking needs safely and seamlessly. Whether you prefer to pop in to our branch lobbies with new safety protocols and enhanced cleaning, stop at one of our drive-thru or walk-up windows or conduct digital transactions from wherever you are with our mobile and online services—we’re here to help.
UPDATE:The IRS will start making payments by direct deposit or through paper checks to qualifying individuals starting the week of January 4, 2021.
Easy ways to deposit your stimulus check 24/7:
Stimulus Direct Deposit Alerts
Know exactly when your stimulus check has been deposited. Log in to online or mobile banking, go to Profile and select Alerts to get started. Be sure to update both “Manage Recipients” and “Manage Alerts” to receive text and/or email alerts.
Need more information? Visit the IRS's "Get My Payment" tool to:
For more details visit our Q&A section.
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Enrolling is quick and easy, and using these services provides 24/7 access to your accounts while maintaining social distance.
Enroll in online banking or download our mobile app for 24/7 digital access to your accounts.
We have adjusted branch access in the interest of protecting our customers and employees.
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Congress reached a deal on a $900 billion coronavirus economic relief package that includes a second stimulus for most Americans. NBT Bank is currently monitoring the situation and preparing for the passing of the bill.
Stimulus payments could be processed as early as the week of 1/4. We recommend you review the IRS website https://www.irs.gov for additional information.
The second set of stimulus payments will work like the first round of stimulus checks and will be based on income. Americans with taxable income under $75,000 (or $150,000 for couples filing jointly) will be eligible for $600 per adult or $1,200 per couple. Children would qualify for stimulus checks worth $600 each. Payments phase out at a rate of $5.00 per every additional $100.00 in income starting at $75,000 in adjusted gross income for singles, $112,500 for heads of household, and $150,000 for married couples filing jointly.
Eligibility and how to calculate your stimulus payment can be found at https://www.irs.gov/coronavirus/get-my-payment.
If your Stimulus check is not the amount you expected, please contact the IRS economic impact payment questions team at 1-800-919-9835.
The payment will be returned to the IRS and a paper check will be issued to the address the IRS has on file for you.
At this time NBT Bank will not be cashing Economic Stimulus Payment Checks for non-customers. However, you can visit one of our branch locations to open an account or go to www.nbtbank.com to apply for an account. Because you are a new customer, special rules apply during the first 30 days your account is open. As a result, the funds will not be available right away. We will inform you at the time of the deposit how long the hold will be.