Business 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
A convenient, secure way to access your accounts and make payments wherever business takes you.
A Debit Card with benefits tailored just for you just got better. Turn everyday business purchases into rewards with your NBT Bank Business Debit Card.
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.
Business credit cards with low rates, cash back, or rewards—choose the option that fits 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.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
*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.
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
Whether you need a large custom order or an instant-issue card, our gift card options can meet your needs. Discover how co-branded gift cards can enhance your brand and engage customers.
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.
