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Personal Loan Payments Options

At NBT Bank, we offer our personal banking customers several convenient options to pay your personal loan, car loan, home loan, line of credit or mortgage (see below). If you are looking to request a payoff or you need home loan repayment assistance with making your payments, please call 800.NBT.BANK (800.628.2265) or stop in at your local NBT Bank branch to get started.

No Fee Loan Payment Options

Payment option


Online Payment

NBT Mobile Banking

  • Use the NBT Bank Mobile Banking app to conveniently and securely manage your loan and deposit accounts, make payments, deposit checks or find a local NBT Bank office.
  • Get started with Mobile Banking.

NBT Online Banker

  • Set up a one-time or recurring transfer from your NBT checking or savings account to your loan account.
  • Enrolling in Digital Banking is easy

Auto Deduct

  • Have your payment deducted from your checking account
  • To enroll, call 800.NBT.Bank (800.628.2265) to speak to a Call Center Representative or visit your local NBT Bank Office.


  • Make your payment at any NBT Bank Office
  • Visit our Locations page to find one near you

By Mail

  • Mail your payment to us at NBT Bank Loan Operations, P.O. Box 149, Canajoharie, N.Y. 13317
  • Write your loan account number in the memo line of your check

Please note the principal balance is not the same as the payoff balance. You must contact the bank for a payoff quote.

Download a PDF Version of NBT Bank's Loan Payment Options.

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