NBT Bank Information
NBT Bank has roots as old as 1856 when several Norwich-area business leaders decided to form a bank to manage the financial needs of themselves and the various area residents. In their over 160 years as a business, they have built a variety of relationships with multiple Norwich-area financial institutions and with international banking groups around the world. They have also created a multitude of online banking options that are designed to handle a variety of different needs. If you are interested you can download the NBT Bank History here: NBT Bank: A History of Growth and Change (1856 – 2016).
- Branch Hours and Locations
- Customer Service Phone – (800) 628-2265
- Banking Routing Number – 021303618
- Swift Number – NBT is currently not a member of the SWIFT network
- Online Home Page
How to Wire Money With NBT Bank
There are two ways that you can wire money from an NBT Bank account. You can do it with your online account using the process of External Account Transfer. This method allows you to move funds between your NBA Bank account and other financial institutions. These accounts include your checking or savings accounts or those of others.
You can start one of these transfers by logging into your NBT Online Banker account, a process that will be discussed in more depth shortly. Look through your available tabs on top of the page and click on “Transfers.” Clicking here will take you to a new section of the web page where you can select the “Recipients” tabs to create a new external account for your transfer.
In this section, you need to verify the accounts to which you plan to transfer money. This process will require you filling in some fields to set up the transfer. These information fields include the name of the person associated with the account, the account number, and a routing number. If you are transferring money to one of your other accounts, this information will be easy to get by directly calling the other bank. However, moving it to another person’s bank requires getting that information directly from that person, as most banks won’t share that personal information with others.
After you have set up your account and the other financial institution has verified its accuracy, you can select “Account Balances” and choose the amount of money that you want to transfer. You are limited to $2,000 per week and $5,000 a month on incoming and outgoing transfers. However, you can also choose to perform in-person domestic wiring at any NBT Bank location near you. Both of these processes will have a 24-hour processing time, so make sure to plan for that waiting period.
To perform an in-person transfer, talk to a representative at the bank or a teller and tell them that you want to complete a wire transfer. They will provide you with the proper paperwork and help you fill it out if you need assistance. Make sure that you bring the appropriate information, including the name of the bank, its routing number, the address, and the name of the person to whom you are sending the money. You will also need your banking account number and NBT Bank’s routing number – 021303618.
How to Enroll in Online Banking
Before you learn how to login to your NBT Bank account, it is important to create one that coordinates to your banking information. This process has been streamlined as much as possible to make it easy to handle. Start by clicking on this link to go to the enrollment page. Once you are there, click on the “Enroll” button to start the process. You will have the option to make either a personal or a business account.
The differences between the two methods are minor, but for the sake of simplicity, we’ll talk strictly about the personal account type. Click on the “Get Started” button to move on to the next page. Here, you can choose “Personal” from the drop-down menu and select “I’m new to NBT Online Banker” instead of I’m already enrolled in NBT Online Banker.”
Click on the “Enroll” button to enter the “Automated Enrollment” section. If you had selected “Business,” you would have been taken to a separate section that allowed you to select service package options, such as “Basic Service Suite,” “ACH Service Suite,” and more. These options provide you with a multitude of different banking choices that should be discussed with your account manager before creating an online account.
As you chose “Personal” for this process, you will now be asked to provide three pieces of information. These include your account number, the type of account you hold with NBT Bank, and your Social Security number. The account type options include checking, savings, Certificate of Deposit, or installment loan. Select which is appropriate for you and then click on the “Continue” button to move on to the “Account Creation” page.
Once you have reached this section of the site, you also need to provide your name, your date of birth, your address, and an e-mail address. All of this information is used to verify your account. Once you have finished verifying your account (a verification e-mail will be sent to the address you provided), you can create a User ID and a password. Make sure to write these down somewhere in case you forget them or lose them. Thankfully, you can reset your password if necessary by using a reset form either from your e-mail account or phone number, which you can add to your account at any time.
How to Login to Your NBT Online Bank Account
After creating your personal NBT Bank online bank account, you can easily login to it by clicking on the “Login” button on the front page. Input your personal account information, including your username and password, and click on the smaller “Login” button. If your information is correct, you will be taken directly to your account. If you misspell anything, you will receive a message telling you that an error was made. Correct it and log in to your account.
You can control multiple types of accounts from this section, including your NBT Online Banker, any eStatements you may receive, StrataWeb, NBT Daily 401(k) services, NBT Remote Deposit, and Positive Pay/ACH Reporting. Most of your banking needs will be served by choosing NBT Online Banker. Here, you can access your checking and savings accounts and adjust any online billing needs.
You can also download the NBT Bank mobile account app from either the Apple Store or Google Play shop. This free app lets you log in to your account using the same account information you use for desktop banking. With this app, you can check your account, set up bill payments, and receive text messages about your account.
Important NBT Contact Information
Your local bank contact information will vary depending on your branch. However, there are also many ways that you can contact the main NBT Bank office or their customer service office. These details are included below.
- Call Center Phone – 800 NBT-BANK (800 628-2265)
- Call Center Hours – 7-7 Monday-Friday and 9-12 on Saturday
- Email – [email protected]
Mailing Address for General Use
PO Box 351
Norwich, NY, 13815
Mailing Address for Loan Payments
NBT Bank Loan Operations
PO Box 149
Canajoharie, NY 13317
Mailing Address for Legal Services Support
PO Box 351
Norwich, NY 13815
Mailing Address for Error Resolution and Information Requests
Mortgage Servicing Department
PO Box 149
Canajoharie, NY, 13317
If you have a question that you want to be answered online, you can use the online contact form here. You will need to provide your name, phone number, your email address, the last four digits of both your account number and Social Security number, and a brief message explaining your problem. This message will be answered during the normal customer service operating hours.
How to Use the NBT Branch Finder
If you are traveling and want to access your NBT Bank account from a physical location, you can use the branch finder to streamline the process. Start this process by clicking on this link and taking a look at the Google Map posted on the site. You must then click on the “Search” window and input the name of the city and the state where you want to find an NBT Bank branch.
After you have searched, a new page will load showing your updated map. If there are any NBT Bank locations near you, a small red map arrow will appear. Click on this arrow to highlight the site. A window will then open up giving you the address of the location, its phone number, its operating hours, a photo of its exterior, and features you can expect at this branch.
Please note that NBT Bank operation is centered in the New England area of the country. Many of their locations are located in New York State, though there are also branches in places like Maine, New Hampshire, and Massachusetts. Outside of this area, there are no NBT Banks that you can visit. Please keep this in mind when traveling beyond this coverage area and plan your finances accordingly.
NBT Online Account FAQ
How does NBT Bank secure its online connection?
When you log in to your NBT Bank online account, it will be protected using HTTPS encryption. This protection means that your information is not stored or cached on your device or in the system. However, their website also uses 128-bit encryption to improve the protective nature of your online account further.
What is Verified by Visa?
NBT Bank uses a system known as Verified by Visa to ensure that your online banking is safe. This system utilizes a variety of measures to protect you from identity theft and various types of fraud. For example, if your account notices an unusually large procedure or a login from a new and suspicious device, NBT Bank will contact you to verify that information.
How do I reset my password?
If you know your password but want to change it, you can sign into your account and click on the “Preferences” option. You must then click on “Change Password” and enter your current password. Input a new password that you haven’t used, confirm it by entering it again, and click the “Submit” button to create your new password.
However, if you have forgotten your password, you need to click on “Forgot Your Password?” under the login area. You will then be taken to a different login area where you must again click on the “Forgot Your Password?” link after you input your login ID. Your password can then be reset after you verify your account, either through your e-mail or by inputting the pin code sent to your mobile device.
What is my Personal Financial Management Tool?
The Personal Financial Management Tool is designed to focus all of your financial information on to a simple and easy-to-understand platform. You can use this tool to check your account, create saving budgets, track your income, minimize your expenses, and set up account alerts. This tool is provided to uses of NBT Bank as a way of maximizing their worth and avoiding serious financial loss.
When are my funds available?
Most of the time, the funds you deposit in your NBT Bank account should be available on the same day you deposit them. These include electronic direct deposits, wire transfers, cash, in-person checks, and in-person money orders. These deposits will show up in your account no more than an hour or two after you add them. In most cases, they should be available immediately.
However, there are some instances in which your funds might be available only on the day after you deposit them. These types of money are usually various forms of loans or government-based funding. For example, U.S Treasure and Federal Reserve Bank checks will only be available the day after deposit. State and local government checks are also available the next day.