NBT Bank Review
NBT Bank provides community banking, wealth management, and trust services across Upstate New York.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | NBT Freedom Checking | $10.00/month |
Savings: | NBT Savings | 10.00% APY |
Credit: | NBT Platinum Visa | 1.25% cash back |
Mortgage: | 30-Year Fixed | 4.00% interest rate |
Fee Rating
3.8/5
Lower is better
FDIC Insured
Yes
Certificate: 021302567
Digital Banking
3.8/5
Online & Mobile Experience
Branch Network
112
Physical Locations
Key Features
- Local decision-making; strong customer service.
Bank Information
Routing Number
021302567
SWIFT Code
NBTCUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-626-5666
24/7
Headquarters
Norwich, NY, USA
Years in Business
169 years (Est. 1856)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS, Authenticator
Forgot Password
Reset PasswordSecurity Features
256‑bit SSL
Login Instructions
Enter username & password → verify
Login Help
Call customer service: 1-800-626-5666
Hours: 24/7
Products & Services
Accounts & Products
Checking
NBT Freedom Checking
Monthly Fee
$10
Minimum Balance
$300
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$34
ATM Fee
$3
Savings
NBT Savings
APY
$10.00%
Annual Earnings
$10.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
NBT Platinum Visa
Annual Fee
$0
Cash Back
$1.25%
APR Range
$13.49% - 23.49%
Network
$Visa
Mortgage
30-Year Fixed
Interest Rate
$4%
APR
$4.125%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$100,000
Max Loan Amount
$500,000
Digital Banking Experience
Mobile App Rating
Good mobile experience
Online Banking
Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with NBT Bank?
Visit their website to explore account options and start your application