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).

The easiest and fastest way to pay is to use our free digital banking services. Your loan information is stored in our system, making monthly payments a snap! Start paying online using our mobile app or on your desktop PC. Please have your account number ready.


No Fee Loan Payment Options

Payment option


NBT Digital Banking

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

Bill Pay from your Financial Institution

  • Set up a recurring Bill Pay to pay your loan from your checking account at any financial institution.

Online Payment

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.

Payoffs and Loan Payment Assistance

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.

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

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