Personal Customer Education Center

Routing Number

The routing number is a 9-digit number that serves to identify a specific financial institution.

  • The routing number for NBT Bank is 021303618
  • Routing numbers are used to reorder checks, setting up a direct deposit, automatic payments or preparing a wire transfer.
  • The routing number can be found on the bottom of your checks, it is the 9-digit number to the left of your account number.
NBT Bank Sample Check with routing number highlighted

International Wires

  • For International Wires our NBT Bank Swift / BIC code is NBTNUS31

Product and Service Resources

It's not only important to have convenient products and services to help make your daily banking needs easier, but it's important to know how to get the most out of them. That's why we offer the resources below to help you get the most out of your banking experience.

Account Information

Frequently Asked Questions

Find answers to many of your questions about our products and services.

Frequently Asked Questions

Strive Financial Literacy

Questions about money and banking? The road to your financial future starts here. Because developing smart financial habits at a young age often helps build a brighter financial future, NBT Bank introduces its Strive financial literacy program. Strive is a source for learning and inspiration to help kids, teens and young adults establish a positive relationship with money and navigate personal finances as their financial needs mature.

  • LEARN TO SAVE: Kids will have fun discovering and learning about the value of money and how the world uses it every day.
  • ENGAGE: Teens can learn about the basics of banking to help them start developing money management skills.
  • EXCEL: Young adults can apply their financial knowledge to set them on the path to achieving financial independence.
  • FOR PARENTS: Help your kids build their money management skills.
  • FOR EDUCATORS: Take advantage of our Strive Financial Literacy Program for your classroom.

Concerned About Security?

NBT Bank’s Fraud Information Center is your source for tips on protecting yourself from personal security threats.

Fraud Information Center