Digital Privacy Notice
Facts: What does NBT Bank do with your personal information
Rev. 09/2025
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and checking account information
- Payment history and credit history
- Account balances and account transactions
How?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons NBT Bank chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information
- For our everyday business purposes-
- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
- Does NBT Bank share? Yes
- Can you limit sharing? No
- For our marketing purposes-
- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
- Does NBT Bank share? Yes
- Can you limit sharing? No
- For joint marketing with other financial companies
- Does NBT Bank share? Yes
- Can you limit sharing? No
- For our affiliates' everyday business purposes-
- information about your transactions and experiences
- Does NBT Bank share? Yes
- Can you limit sharing? Yes
- For our affiliates' everyday business purposes-
- information about your creditworthiness
- Does NBT Bank share? Yes
- Can you limit sharing? Yes
- For our affiliates to the market to you
- Does NBT Bank share? Yes
- Can you limit sharing? Yes
- For our nonaffiliates to market to you
- Does NBT Bank share? Yes
- Can you limit sharing? We don't share
To limit our sharing
Call 1.800.NBT.BANK - our menu will prompt you through your choice(s)
Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contect us at any time to limit our sharing.
Who are we
- Who is providing this notice? NBT Bank, N.A.
What we do
- How does NBT Bank protect my personal information?
- To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
- Keeping financial information secure is one of our most important responsibilities. We maintain physical, electronic and procedural safeguards to protect Customer Information
- How does NBT Bank collect my personal information
- We collect your personal information, for example, when you
- open an account or apply for a loan
- pay us by check or deposit money
- use your credit or debit card
- We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
- Why can't I limit all sharing?
- Federal law gives you the right to limit only
- sharing for affiliates’ everyday business purposes – information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
- State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
- What happens when I limit sharing for an account I hold jointly with someone else?
- Your choices will apply to everyone on your account
Definitions
- Affiliates
- Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include other financial companies such as EPIC Retirement Plan Services, NBT Capital Management and NBT Insurance.
- Nonaffiliates
- Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- NBT Bank does not share with nonaffiliates so they can market to you.
- Joint marketing
- A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include other financial institutions and credit card companies.
Other importanat information
For California residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.
For Vermont residents:We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account. We will not share information about your creditworthiness with our affiliates, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Important Information about Credit Reporting
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.
