TOP-RATED BUSINESS DIGITAL BANKING
Digital Banking for your business
We’re on a mission to make banking easier
Whether you’re banking from the office, at home, or on-the-go, our seamless digital banking experience can be done from any device. Download the NBT Bank app on your mobile phone and login today. Enjoy our full-service, business banking experience wherever you are. When it comes to handling your business finances in the modern world, read how digital banking can provide the ultimate convenience.
Get more. Do more.
Our platform makes business management easier with smart features designed to save time and simplify tasks.

Transaction History
View up to 18 months of account history. Plus, export one full year or more of history to Quicken/CSV at tax time.
Wire Transfers
Routing number validations, the ability to store participants and schedule recurring wires.
Deposited Items
Easily review deposit slips and deposited item images with up to seven years of history available.
Spending Reports
View top expenses, budgets, and cash flow analyses that help you better manage your business.
New Accounts Automatically Added
New business accounts are automatically added for Administrators, providing immediate access to basic account functions.
Account Alerts
Set real time account updates, such as low balance alerts, checks cleared, loan payment due and posted—over 20 alerts available!
Mobile Deposit Limits
Mobile business daily deposits are $20,000/day!
Check Images
Get up to seven years of check image history.
Secure Messaging
Contact Customer Service securely through our mobile app or online to share account details, password updates, and confidential documents.
Administrator Permissions
Business Administrators will automatically inherit ALL Business Level entitlements, limits and accounts.
Fast Balances
Attention mobile users! Simply swipe to the left or click a button in app to see current balances, without logging in!
Intelligent ACH
ACH Module allows you to initiate the type of ACH batch you need based on SEC code and Transaction Types. ACH Templates make recurring payments easier by grouping frequent recipients and automating schedules.
Current ACH/Wire Services Users View our user guide below to answer your questions and help with an even better business banking experience.

Essential debit card controls
CardValet® lets you control your NBT Bank business debit card usage and spending on-the-go. Easily set controls that boost the fraud protection already in place with your account. Set transaction controls for merchant codes, location and thresholds to ensure employee spending adheres to your company policies.
- Turn your card(s) on or off
- Set locations where your card(s) can be used
- Restrict transactions based on merchant type
- Establish transaction amount limits
- Enable alerts for certain transaction types
Haven’t found your answer? Visit our Frequently Asked Questions for more details.
