B+ MyBankTracker Rating

NBT Bank

About NBT Bank

NBT Bank provides personal banking, asset management and business services. The independent community bank, headquartered in Norwich, N.Y., has 84 offices in 20 upstate New York counties. NBT Bank’s parent company, NBT Bancorp Inc., had assets of $5.3 billion as of December 31, 2008.

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MyBankTracker rated based on the following criteria that includes real customer reviews and bank fees, among others. Our bank report card is a proprietary rating system that highlights the financial health and stability of the bank. See how it’s rated.

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Customer Reviews

Most Helpful NBT Bank Bank Customer Reviews

  • K
    Reviewed By krisjoshdckr Jun 23, 2015

    beware

    I opened a savings account for my son when he was born. My husband and I have a checking account with them as well. When we moved a few years after opening my sons account we changed our address with NBT for our main account. My name was also on my sons account but we forgot to update that address. Since he was a baby we did not add anything to his account for a while. Apparently they tried to notify us that my sons account was inactive and they were going to send the money to the state as unclaimed funds. They said they sent letters to our old address we never received any letters. My checking account is active, they never tried to call or bothered to look up any information about me they only used the address my sons account had with it never even tried to call the number on his account. His account was closed and the money was sent to the state. Now i have to contact the state and go through a lot of headache to hopefully recover the money. How much trouble would a courtesy phone call been?

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  • T
    Reviewed By tracensteve Aug 18, 2015

    Worst experience ever!

    I am a contractor and a bank account holder wrote four checks to me. The first time they checked to see if the customer really wrote the check, which was normal, then they cashed it. the following two times they cashed it out also, however my last check for they tried to call and verify and the customer was not there. I waited a whole hour then they even charged a $10 dollar check cashing fee! Can you believe it? Don't you know if I have already cashed three checks then the fourth one is going to be good, NBT Bank? Don't you know AN HOUR is a long time to wait and THEN YOU EVEN CHARGE ME TEN DOLLARS??? These people are RUDE and do not want new accounts!

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  • B
    Reviewed By BankReview1234 Jun 27, 2015

    Continuing Saga

    I have been trying to close my account since April. Despite the return of my balance of $ .42 and assurance by the bank after subsequently receiving a letter advising me of an overdraft and the potential for a $5 daily fee assessment , that my account was closed. I trusted that the account was finally closed. The branch had told me they would call me to confirm that my account was closed based on the now zero balance. They never did call.. I subsequently received a notice that my check guard was still open and I would have to draft a letter to close the line
    I called Norwich office after receiving a statement showing my unused checking line. I Again went to a branch and they informed us that they had never heard of writing a letter to close , but helped me draft a letter anyway just to be sure in case they missed training on this. The branch person said again they would make a follow up call to me to confirm closing of my account. They never called . Yesterday I receive a letter from NBT
    with a service charge driven overdraft marked urgent . Can't believe the continuing problems I am having . The branch seems very frustrated with the support they receive from their headquarters. They vented that the bank keeps cutting back staff to save money so service is compromised. This bank does not appear to have its act together. The Leadership of this organization is heading this bank in the wrong direction. I hope to finally get this resolved before they report it to check systems or credit bureau.

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  • Type Fee National Average
  • Monthly Inactivity N/A
  • Non-Sufficient Fund (Overdraft) N/A 0
  • Stop Payment item N/A 0
  • Return Deposit N/A 0
  • Domestic Wire Transfer (Outbound) N/A 0
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  • Non-Bank ATM N/A