NBT Rewards Debit Card
Experience the perfect blend of convenience, security, and rewards with an NBT Bank Debit Card.
NBT Bank Debit Cards give you the ability to make purchases and access your account conveniently and securely at any time. The card is available to all personal checking account holders.
To request a debit card, visit your local NBT Bank Office or contact our Customer Support Team today.

Your Rewards Journey Starts Here
Don’t have an account yet?
Open a checking account online to get started and unlock all the benefits of an NBT Bank Debit Card.
Already have an NBT checking account?
Getting your debit card is simple.
Visit your local branch or call us at 1.800.NBT.BANK to request your card.
Already have a card?
Good News for Debit Card Users!
Start earning points on your everyday purchases through the uChoose Rewards® program
Essential Debit Card Key Features
Your everyday banking, made simple and secure.
Enhanced Security
Benefit from chip technology for added protection during purchases and ATM transactions.
Linked Savings Account
Connect your debit card to your savings account for easy cash withdrawals or fund transfers at ATMs.
Worldwide Acceptance
Make purchases anywhere VISA® is accepted, both domestically and internationally.

Contactless Convenience
Tap to pay anywhere you see the contactless symbol for a fast, secure, and hassle-free checkout—no need to insert or swipe.
Extensive ATM Network
Enjoy convenient access to cash through NBT Bank’s wide ATM network.
Direct Account Access
All transactions are automatically deducted from your checking account, providing real-time updates on your spending.
Exclusive Digital & Rewards Features
Smart tools and rewarding extras that go beyond the basics.
New! Earn Points with Every Purchase
Earn 1 point for every $2 spent through the uChoose Rewards program. Must be enrolled.
Person to Person Payments
Send and receive money directly from your account with Zelle®, built into your NBT Digital Banking experience.
Mobile Wallet
Add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments on the go.
Card Customization
Make your debit card one of a kind with a photo or design that shows off your style.
Credit Sense
Stay on top of your credit score and monitor key factors that impact it — all for free within Digital Banking.
SMS Fraud Alerts
Receive text messages to your mobile phone when usual activity is detected, ensuring prompt awareness and action.
Instant Issue
Need a new card? Visit a participating NBT Bank location and walk out with a fresh debit card — no waiting required.
Card Controls
Manage your NBT Bank Debit Card effortlessly with features like transaction blocking, spending limits, real-time alerts, and lost/stolen card reporting — all through NBT Digital Banking.
Exclusive for Young Adults
iStrive® Checking customers have exclusive access to our iStrive Debit Card, designed to meet the unique needs of young adults.
Request a Card
To request a debit card, visit your local NBT Bank Office or contact our Customer Support Team today at 1.800.NBT.BANK.
Frequently Asked Questions about Debit Card Rewards
uChoose Rewards is a rewards program that allows you to earn points for every dollar you spend with your NBT debit card. These points can then be redeemed for various rewards, including gift cards, activities, cashback and merchandise. Use points for merchant offerings on the UChoose website or Amazon Pay with Points.
Membership in uChoose Rewards is at no cost for NBT Bank cardholders.
Signing up is easy. Visit the uChoose website, follow the simple steps to create your uChoose account, and register your existing NBT debit card.
After enrolling in uChoose, you will earn 1 point for every $2 spent using your NBT debit card. You can earn more points with every purchase by shopping at one of the hundreds of retailers on the uChoose site. After logging in, limited-time reward offers to earn more points per purchase appear on your account home page, with even more offerings hosted under the “Earn More Points” section.
Points from your posted purchases will appear in your uChoose account after the first day of the following month. It's easy to track the progress of the rewards you’ve earned. Simply navigate to “My Rewards” to see your complete points summary.
You can redeem your points for a wide variety of rewards, including gift cards, activities, cashback and countless merchandise items.
There is no cap on the number of issuer-funded points you can earn in a calendar year.
Your points will stay with you for a long time – they only expire 1,460 days (4 years) from the end of the month in which they were posted.
On the homepage of the uChoose website, your points will appear under your account name in the graphic in the upper right-hand corner. Navigate to “My Rewards” to see your complete points summary. This will tell you how many points are available to redeem now and how many will be available after the first day of the following month.
Are you short on points for the reward you want? No problem. When shopping through the merchants on the “Merchandise” section of the website, you can use your payment card to help pay for your order during checkout.
We’re happy to help. For questions regarding your enrollment or anything about your uChoose account, contact us at 1-800-628-2265 or via email at CustomerService@nbtbank.com.
Support is also available via email at noreply@uchooserewards.com, and an online chat is accessible by logging into your uChoose account. All inquiries via online chat will be handled by a Contact Center Agent during standard call center hours, Monday through Friday, 7 AM through 12 AM Eastern Time.
Points can be pooled between cards associated with the same checking account, provided one cardholder has set up a uChoose account. Even if multiple cardholders with the same deposit account set up separate uChoose accounts, the points will still be pooled.
The points needed vary based on the reward you choose, so you have plenty of flexibility to pick something that fits your point balance through the merchants on the “Merchandise” section of the website. Just check each item to see its point value, and if you’re a little short, don’t worry, you can make up the difference with your payment card at checkout.
Once you have at least 1,500 points, you can cash out in increments of 1,500 (1,500, 3,000, 4,500 points, and so on). It may take up to five (5) business days for your cashback to appear in your checking account.
This program is designed exclusively for NBT debit card rewards. Points cannot be shared between NBT debit and credit cards. We do, however, offer an NBT rewards credit card. Visit your nearest branch location to apply.
To ensure a smooth enrollment process, we recommend waiting 24 hours after activating your debit card before signing up for uChoose.
Customize Your Debit Card
with MyCardCreation.
Debit Card Security
Tips to keep your Debit Card secure.
Mobile Wallet
Safely and Securely Use Your NBT Bank Card with Your Mobile Wallet.