How We Protect Your Business

When you enroll in NBT Online Banker for Business, your business will be provided with a unique login ID. To maintain a unique username, update your login ID in the Preferences tab by selecting Change User ID. To help protect your account, use a unique NBT Bank login ID and password that you do not use elsewhere. Change your passwords frequently and make sure they are unique and not easily guessable.

NBT Bank may ask for your NBT Digital Banking username to verify your identity by phone, but will never ask for your password.

NBT Bank is continuously enhancing our authentication tools to help protect against unauthorized account access. We offer One-Time PIN as an additional layer of security that safeguards certain transactions and sensitive information. NBT Bank will send a verification code to your device to help confirm your identity.

NBT Digital Banking automatically logs you out after a period of inactivity. This will reduce the risk of others accessing your information from your unattended computer or mobile device. For your added security, always log off manually when leaving your device unattended. Please see our Online & Mobile section for more tips on how to protect online and mobile sessions.

All account data is encrypted end‑to‑end from your business device to NBT Bank’s systems during online and mobile sessions. We employ strong encryption software to help protect your business' accounts. NBT Bank will only support browsers that adhere to our high encryption standards.

Always look at the address bar of websites that you visit to determine if the site is secure. A closed lock icon in your browser indicates the webpage is using encryption. In addition, and internet address that begins with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."

NBT Bank employs a layered approach to online and mobile security for businesses. Monitoring will extend beyond a unique login ID and password, enhanced authentication, encryption and browser requirements. NBT Bank uses security measures that may be triggered by unusual activity identified through ongoing account monitoring. If your online activity seems unusual for your business, we may limit online account access or block certain transactions.

Transactions may be restricted if your business’s NBT Debit Card activity appears unusual or outside your normal geographic area. This helps protect your account from unauthorized charges. If you're traveling, update your Debit Card Controls to notify NBT Bank of your travel plans.

These measures help safeguard your personal and account information. Further verification could be required in order for the transaction to be processed.

Should you notice unauthorized account activity, please contact our Call Center at 1.833.NBT.4BIZ (628-4249) or your local NBT Bank office to dispute those charges.

Positive Pay is a fraud-detection service that protects customers from illegal duplication of documents. It also reduces the time needed to resolve issues when a fraud is perpetrated. The customer provides issuance information-date, amount and check number-every time a check is written. Checks presented for payment are compared against the issuance file before being charged to the account. If a check does not match the issuance file, a reject report is sent to the customer. The customer must decide whether to pay or return the item.

Our digital banking platform is a core cash management solution for businesses that need ACH origination for direct deposits. NBT Digital Banking provides 24/7 access to your NBT Bank accounts whenever and wherever you need it. Our various service suites allow you to tailor your NBT Online Banker service to the specific needs of your business.