Card and Payment Services
NBT Bank is committed to providing convenient and secure options to help you access your money, make purchases and issue payments. Our card options provide you and your employees easy access to the funds needed to keep your business moving forward and provide you with a convenient way to control and track expenses.
- Business Debit Card
- Business Credit Cards
- Non-Profit & Municipal Credit Cards
- Current Credit Card Customers
- Business Gift Cards
Enjoy the convenience of a card that gives you secure access to your accounts, granting flexibility to make payments anytime, anywhere, without the need to write a check!
A Debit Card with benefits tailored just for you just got better. Now with your NBT Bank Business Debit card, you can start earning points on your everyday purchases through the uChoose Rewards® program.
Rewards Debit Card Program Details
How it works:
Enroll your existing debit card on the uChoose website to earn points with every purchase.
Earn 1 point for every $2 spent. Points from purchases appear after the first day of the following month. Redeem points for gift cards, activities, cashback, and merchandise.
For more details, see our frequently asked questions.
Enroll in Debit Card Rewards Now
Business Debit Card Key Features:
- Every transaction automatically adjusts your checking account balance, offering real-time insights into your spending.
- Make purchases anywhere VISA® is accepted, both locally and worldwide.
- Add your NBT Bank Debit Card to your Mobile Wallet in Apple Pay®, Google Pay™, or Samsung Pay® for a secure, touch-free way to pay in stores, in apps, and online.
- Tap to pay with contactless payments anywhere you see the contactless symbol, for a fast, secure, and hassle-free checkout.
- Easily access cash through NBT Bank’s extensive network of ATMs.
- Link your debit card to your savings account for seamless ATM cash withdrawals or quick transfers.
- Enjoy the added safety of chip technology for in-store and ATM transactions.
- Fraud Detection Alerts with instant SMS notifications if suspicious activity is detected.
- New - Earn Rewards for Purchases: Earn 1 point for every $2 you spend with your debit card through the uChoose Rewards® program. Redeem points for gift cards, activities, cashback, and merchandise.
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
- Free online expense reporting tools.
- No fee for additional employee cards.
- Mobile payment capability for added convenience.
- Zero fraud liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember service available 24 hours a day/365 days per year.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Current Credit Card Account Holders
If you are a current credit card customer, you can log in to view current balances, pay your bill, set up auto pay or sign up for email or text message account alerts.
The Visa CommUNITY Credit Card is designed for non-profits and municipalities and has no annual fee. Enhanced reporting helps document expenses, track purchases, reveal spending patterns, organize budgeting information and save time on accounting procedures.
- No annual fee
- Generous credit lines
- No personal guarantee required
- Free rewards program available
Contact one of our relationship managers for more information or to apply for a CommUNITY Credit Card.
My Account Access is an online portal that allows you to manage your account and utilize the following features:
- View current balances
- Pay your credit card bill
- Set up auto pay
- Sign up for email or text message account alerts
- View credit card statements.
Gift Cards are great for:
- Employee gifts
- Bonuses
- Raffles
- Donations
- Giveaways
Gift cards can be purchased as a customized large order or instant issued, please see your local office for more details. Ask for information about our new co-branded gift cards* and how they can be a great marketing tool for your business.
Review the Gift Cards FAQs for information on using your gift card.
Purchase fee of up to $6.95. Monthly inactivity fee of $4.95 after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $8.00. NBT Bancorp Visa® Gift Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted in the US. No cash or ATM access.
*There is a one-time setup fee. The process takes about 21 days from start to finish.
