Optimize Payables with Treasury Management

Take control of your payments

NBT Bank can help you precisely time your payments through ACH or wire transfers. NBT also offers a variety of business credit card options to fit the needs of your organization. See the many ways NBT Bank’s Payables solutions can control how your money moves.

ACH for Payments

Looking for a convenient payment option for your employee payroll, vendor payments, tax payments and other business payables? Our Automated Clearing House (ACH) service electronically delivers payments with minimal administration and easy paperless reconciliation. The service eliminates expensive costs and reduces fraud risk associated with check processing. Our Treasury Management experts can advise how ACH can play a role in your payments strategy.

ACH Regulations. What you need know.

How can ACH with NBT help my business?

• Lower administrative cost compared to checks
• Faster payment and settlement time
• Mitigate fraud by reducing number of checks issued

Wire Transfers

Send time-sensitive payments electronically with NBT Bank’s wire transfer services. Domestic and International payments in various currencies can be initiated through our Digital Banking portal. Store beneficiary information for recurring payments or send a one-time payment. If you are paying international business partners in US Dollars, consideration should be given to paying in the beneficiaries’ local currency. Because currency exchange rates are constantly changing, remitting payment in their local currency eliminates the foreign vendors currency exchange risk which may result in savings for you. Our Foreign Currency Calculator can help you make informed decisions on the best currency to remit payment in.

The following information can be used to send a wire to an NBT Bank account:

ABA / Routing Number: 021303618
Swift/BIC: NBTNUS31
Bank Information:

NBT Bank, N.A.
52 South Broad Street
Norwich, NY 13815

How can Wire Transfers with NBT help my business?

• Timeliest of all payment options
• Safe and convenient electronic origination options
• Can be used for domestic and international payments

Commercial Card Solutions

Simple, versatile and scalable.

Our commercial card solutions can elevate your payables process by delivering greater efficiency through a comprehensive, all-in-one platform for card, expense, and travel management.

• Enhance spend management and mitigate fraud with customized spend limits, category controls and restricted access to cash withdrawals.
• Streamline expense submissions, approvals and reconciliation for time savings and improved accuracy.
• Improve cash flow and simplify working capital management by taking advantage of card payment float.
• Choose between rebates or points on your spend.

The Commercial Rewards Card is an easy way to both simplify and upgrade your business payments program. With a straightforward application, no personal guarantee, a choice of rewards and streamlined digital onboarding, it’s a versatile commercial card solution.

One Card

Increase efficiency, visibility and control with an integrated payment solution.

Combining purchasing and corporate card programs into a single streamlined payment solution, the NBT Bank One Card from Elan provides your organization with a winning combination of simplicity, savings and liquidity.

With the One Card’s customizable functionality, you can create user profiles to fit each cardholder’s needs, whether they’re a frequent traveler, a purchasing professional or an office manager. Gain flexibility, without sacrificing savings or control:

• Automate payment and reconciliation processes and gain efficiency while improving accuracy.
• Mitigate the risk of fraud or misuse with dynamic spend controls at the cardholder level.
• Improve decision-making and cash flow forecasting with consolidated data and reporting.
• Integrate transaction data easily into enterprise resource planning, accounting and financial systems, reducing the time and errors caused by rekeying data.
• Make the most of rebate opportunities by combining purchasing and travel spend.

Consider upgrading to corporate card advantages of the NBT Bank One Card with no personal guarantee, flexible billing options and higher spend limits

NBT Bank. Member FDIC. NBT Bank is not affiliated with Elan Financial Services. Subject to credit approval. The creditor and issuer of your charge card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. ©2026 Elan Financial Services. All trademarks are the property of their respective owners.