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    Products & Services


    Better banking starts with better checking and NBT offers several checking account options to choose from. We make it simple and easy to manage daily cash flow and to help you build your financial goals. Mobile banking makes checking effortless along with mobile check deposit and our mobile app. Make your banking experience as unique as you with customized NBT bank debit cards. Open an account today and enjoy a fully digital banking experience and see where your checking will take you.

    Savings & CDs

    Maintaining an ongoing savings plan is a great way to help you keep your financial goals on track. In fact, those with a savings plan are twice as likely to save successfully. NBT Bank has a variety of products to help you with your short-term and long-term savings needs. Whether you are working to build an emergency fund, pay down debt, plan for retirement or the future in general, your needs are covered.

    Digital Banking

    New and improved digital banking is here! At home or on-the-go, we've launched our most powerful, yet simple, online and mobile banking services to date.

    Personal Loans

    Life is full of possibilities, and it’s exciting when your goals are within reach. At NBT Bank, we want you to know that if counts to you, it counts to us. Whether you’re looking to consolidate debt, take a vacation, make home improvements or pursue another opportunity, our personal loan solutions can help you make it happen.

    Home Financing

    Buying or building your new home is one of the most exciting experiences of your life. At NBT Bank, we understand that feeling. We take pride in offering you the personalized service you want with the competitive rates you need. Our website offers calculators and in-depth information about the entire process of purchasing, building or refinancing your home.

    Investments & Insurance

    Our NBT Wealth Management Advisors can provide the professional advice you need to work toward a secure financial future. We want to get to know you and clearly understand the goals you have in mind. Whether you're considering retirement planning, investments, insurance or overall financial planning, we're here to help.

    Card & Payment Services

    Whether you are dining out, refreshing your wardrobe or booking your next vacation, NBT Bank offers multiple card and payment options to help you securely and conveniently access your account or complete your purchases so you can keep on keeping on.

    Youth & Young Adults

    You may have your whole life ahead of you, but it’s never too early to start building toward your financial goals. From starting your first savings account, landing your first part-time job, buying your first car or even heading off to college, iStrive® with NBT Bank offers solutions that will help you grow your money skills. Our Strive® program also offers you tools and resources to help you build your money management skills to keep you on the path to financial independence.

    • Morphew Joins as Business Banker
      PORTLAND, ME (August 12, 2020) – NBT announced Wayne Morphew was hired as Senior Business Banking Officer. Learn More
    • Ondesko Hired as Assistant Treasurer
      NORWICH, NY (August 4, 2020) – NBT Bank announced Joseph Ondesko was hired as Senior Vice President and Assistant Treasurer. Learn More
    • Branch Lobby Access Expanded
      NORWICH, NY (July 6, 2020) – NBT Bank has expanded its services to include full branch lobby access with the implementation of protocols to protect the safety of its employees and customers. Learn More
    • NBT Named to 2020 Forbes List
      Norwich, NY (June 15, 2020) – For a second year in a row, NBT Bank has earned a spot on the Forbes World’s Best Banks list released on June 8, 2020. Learn More
    • Levante Joins Commercial Team
      Norwich, NY (June 2, 2020) – NBT Bankannounced Gregg Levante joined the bank as Commercial Banking Relationship Manager. Learn More
    • NBT Named to CNY List
      NORWICH, NY (May 28, 2020) – NBT Bank has been named one of Central New York’s Best Places to Work. Learn More
    • Supporting Businesses with PPP Loans
      NORWICH, NY (May 11, 2020) – NBT Bank secured approval for approximately 3,000 loans and over $540 million in relief through the SBA’s Paycheck Protection Program (PPP). Learn More
    • Branch Availability During Pandemic
      Norwich, NY (April 2, 2020) – NBT Bank announced adjustments to branch access designed to enable continued banking service while maintaining strong protocols for social distancing and cleaning. Learn More
    • Financial Relief for Coronavirus
      Norwich, NY (March 19, 2020) – NBT Bank has announced steps to support businesses and individuals facing financial hardship due to the COVID-19 (coronavirus) pandemic. Learn More
    • NBT Expands Connecticut Team
      HARTFORD, CT (March 5, 2020) — NBT Bank announced Dale Stewart and George Diakolambrianos have joined the expanding team in Connecticut. Learn More
    • NBT to Open DeRuyter Office
      DERUYTER, NY (March 3, 2020) – NBT Bank is proud to announce it will be opening a new location in DeRuyter, NY. Learn More

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