NBT Bank

National Bank, nbtbank.com

NBT Bank logo
B+ MyBankTracker
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the 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.

NBT Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) N/A $30
  • Stop Payment item N/A $27
  • Return Deposit N/A $13
  • Domestic Wire Transfer (Outbound) N/A $22
  • Domestic Wire Transfer (Inbound) N/A $10
  • Non-Bank ATM N/A $1.0

Locations & Hours

map of local branches and ATMs

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

    Reviewed By kidu Dec 20, 2017


    So, first of all, their online site is horrible! They changed it a few weeks ago and I can't get by this "Confirm" page and when I called Customer Service, they had absolutely no idea how to help me and gave me no support. So, now I am just unable to use the mobile app.

    Secondly, I was sent a Debit card from THEM. I dialed the number that I was directed to, to activate my card. After entering the security number, I heard a recording telling me that they could not proceed. My security number was not recognized?! So, I called the Customer Service department and spoke with an agent, who told me she had "forced" the number, so it's "all set" and it should work.

    The next day, I go to a store near work, and my CARD WILL NOT WORK. All I get is an error message. Thankfully, I was still carrying my old card. I tried that and it worked perfectly. So, I called Customer Service AGAIN, and the agent told me that there must be something wrong with that machine. I told her that I used my old card immediately after getting an error message, and everything was fine. She said she didn't know. I asked if I could speak to someone higher up to get a resolution. AFTER A 10-MINUTE HOLD TIME, WITH NO ACKNOWLEDGMENT WHATSOEVER, a manager named Cindy got on the line. She told me I would have to try the Canastota branch ATM machine. I told her that with my work hours, this was not at all convenient to me. She never offered to set up an apt with me to try and get this cleared up. She then said she could cancel my card and re-issue it. Okay, that will take 7-10 days DURING CHRISTMAS AND PROVIDE ME WITH A NEW NUMBER, WHICH I DON'T WANT!!!! No "I'm so sorry about the inconvenience." No, "Is there a time when it would be convenient for you to come in and we'll help you?" NOTHING. And when she told me she could cancel my card and re-issue it, she said it as if it was a punishment. She was EXTREMELY PATRONIZING AND UNCARING AND DID NOT KNOW WHAT SHE WAS TALKING ABOUT, NOR DID SHE CARE. I guess she's there to collect a paycheck, because she's NOT there for Customer Service. She needs to be completely trained in people skills and communication. She was INEPT, PATRONIZING, AND RUDE.

    I intend on closing my account with them as soon as possible. My husband will be closing his, also, as will my children. There are at least two other banks right in my town that I will look into.

    Not to mention, their fees are exorbitant!! Way over norm.

    Don't take treatment like this from these businesses. This a card that THEY mailed to ME and yet they were acting like they were doing me a FAVOR. A very disrespectful company and I will tell anyone who will listen about my story. I will also post to EVERY SINGLE SOCIAL MEDIA ACCOUNT I CAN FIND.

    They don't deserve ANY STARS, but I could not post without at least giving them a star. They are totally useless.

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    Reviewed By RabbitMomma27 Dec 4, 2017


    First off, their online and mobile services suck! I can never link my account to apps such as QuickBooks, etc. When I try to log into my online account, it tells me my password is incorrect, which it is not. Then, after so many tried I am locked out of the account and have to call them!
    More than once there has been a "bank error" where all of a sudden quite a bit of money will be missing from my account only to mysteriously reappear a few days later. When I ask about this, I'm told "oh well we had a computer glitch," etc.
    The employees at my local branch are very friendly and helpful, but the bank's overall services suck!

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    Reviewed By Jayhawk301 Oct 10, 2017

    Phone Service there is none.

    I had a loan from a dental office thru a credit card who used NBT bank. I took out the loan and began payments. After several months the Insurance made a payment to the dentist who credited to my account and they in turn credited to the credit card, who says they credited back to NBT. When I get my statement showing the transaction, first it takes 2 months for the credit to appear, and when it does they have added the amount to my loan not deducted. So I call customer service on the phone, I'm writing this as I have been on the phone for 1 hour and 40 minutes and still no one will assist me. So this bank will not hire enough people to handle phone calls? First you add money to my account so I have to pay a higher interest when you are suppose to deduct it then when I try and get it fixed you can't even answer the phone to correct your error. Very poor bank I will never use any credit involving NBT again.

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