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If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.


NBT Bank Debit Cards

NBT Bank Debit Cards give you the ability to make purchases and access your account conveniently and securely at any time. The card is available to all personal checking account holders.

  • Transactions are automatically deducted from your checking account
  • Make purchases wherever VISA® is accepted
  • Enjoy convenient access to cash using NBT Bank's wide ATM network
  • Link the card to your savings account for access to cash or to transfer funds to your checking account using NBT Bank’s wide ATM network.

Young Adults: iStrive® Checking customers have exclusive access to our iStrive Debit Card.

Request a Card

To request a debit card, visit your local NBT Bank Office or contact our Call Center today.

Mobile Payments

Enjoy easy and secure ways to pay.

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CardValet®

Control debit card usage and spending.

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Personalize Your Debit Card

with MyCardCreation

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NBT Bank Credit Cards

Expand your opportunities with a card option that's right for you.

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Verified by Visa

Enjoy an added layer of security when you use your NBT Bank Debit Card to shop online.

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Visa Checkout

Simplify the way you make your online purchases by enrolling your NBT Bank Debit Card

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Popular Questions


You should receive your NBT Bank Debit Card within seven to ten business days from the date you place your order.

You can request a new consumer NBT Bank Debit Card by contacting our Call Center at 1-800-628-2265 or by visiting the nearest branch. A business customer can request a new card by filling out an application at the nearest branch.

If you forget your PIN or want to change it, you can create a new PIN by calling 1-800-567-3451.

If you believe your NBT Bank Debit Card and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, you can contact your local branch or our Call Center at 1-800-628-2265.

If your card is lost or stolen after our normal business hours, call 1-800-628-2265 and select the option to report a lost or stolen card.

Generally, the daily limit is $600 for an NBT Bank Debit Card when a PIN is used and up to $10,000 of your available balance if you select the credit card option and sign for a purchase. However, limits can vary based on your account type. Please contact your local branch for details.

The limit for an NBT Bank Business Debit Card is set during the application process.

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.

Verified by Visa is a service offered to NBT Bank Debit Card holders to provide an added layer of security as you make purchases online with participating retailers. This service helps prevent unauthorized use of your card in the event that it is lost or stolen. You can continue to enjoy the ease of shopping online as usual. Your enrolled Visa card number simply will be verified upon checkout allowing you to remain assured that your purchase has been made securely.

To reset your password, log into the Manage Your Account page accessible here. After login, complete the prompts to create a new password.

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

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.

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