Customization Counts.

Personalize your debit card using MyCardCreation.

Express Yourself

Make your debit card a reflection of you or your business.

If it counts to you, it counts to us. That’s why NBT Bank is proud to offer MyCardCreation, the ability to personalize the image shown on the front of your NBT Bank personal or business debit card. Choose from an expanded library of card designs or use an image from your own collection to express yourself in a way that’s uniquely you.

debit card image


  • There is a $9.95 fee for per MyCardCreation order.
  • The fee for your MyCardCreation order will be deducted directly from the checking account that is associated with your debit card. If you do not have enough funds to cover the fee(s), your MyCardCreation request may not be processed.

Image Guidelines

To help make the customization of your NBT Bank Debit Card even easier, we are providing the following image guidelines to help you select the best image for your new card.

Selecting Your Image

NBT Bank reserves the right to determine, in its sole discretion, whether a submitted image will be accepted or denied. All images submitted must have the consent of the owner, including those images downloaded from the Internet. We will deny the use of images that contain any of the following:

  • Trademarks, copyrighted materials or brands of any third party, logos, slogans or any material that could infringe on copyright or trademark rights.
  • Phone numbers, addresses, URL addresses, account or PIN numbers.
  • Advertising or promotional material, or branded products.
  • Celebrities, actors, musicians, professional athletes, politicians or public figures of any kind (the only exception to this is permission-based photos of you, your family members or friends photographed with a famous person).
  • Provocative, sexual, profane, obscene, violent or other offensive content.
  • Nudity or semi-nudity.
  • Images of alcohol, tobacco, or firearms.
  • Images which show criminal or illegal activities or otherwise inappropriate behavior.
  • Racial, political, religious, culturally or socially sensitive material.
  • Any image deemed inappropriate by NBT Bank.
  • Images that do not meet the above guidelines will be declined, and you will be notified by email of our inability to process the request. You may then submit a new image that meets the specifications. If an image or repeatedly submitted images do not follow these guidelines, NBT Bank reserves the right to exclude your future use of the MyCardCreation service.

Special Notice to Business Customers

To allow our business customers the ability to extend visibility to their brand, NBT Bank Business Debit Cards will be permitted to feature their company’s logo, slogan, advertising or promotional material or branded product that pertains specifically to their business.

Image Tips

  • Images should be a minimum of 840x840 pixels for best picture quality and may not exceed 10 MB in size.
  • Images must be either jpeg, gif, png, bmp or tiff formats.
  • Small images will reproduce poorly; for best results and greater image clarity, use larger images with higher resolutions.
  • You'll have the opportunity to make some adjustments to the appearance of your image in the Debit Card Design Studio.
  • If you increase the scale of your image too much, it may print poorly if you have a smaller file size.
  • The time your image takes to upload depends on your Internet connection speed; the larger the image, the longer it will take to upload.

Frequently Asked Questions

Can I put ANY image I want on my debit card?

While NBT Bank encourages your creativity and ability to personalize your card in a way that speaks to you, please refer to our Image Guidelines to ensure your image is in line with the service criteria. NBT Bank does reserve the right to reject any image/photograph submitted at its absolute discretion.

How do I pay for my MyCardCreation order?

The cost of creating your personalized debit card will be charged to the primary checking account tied to your NBT Bank Debit Card. If you do not have enough funds to cover the fee(s), your MyCardCreation request may not be processed.

How much does it cost to order a personalized card through MyCardCreation?

There is a $9.95 fee per MyCardCreation order.

What will happen when my personalized debit card expires?

When NBT Bank renews your debit card upon expiration, you will receive your personalized renewal card with the same image and card number at no charge. If you wish to change your card image prior to renewal, you must place an order for a new MyCardCreation design at least 45 days prior to your card’s renewal. If you choose to have a new MyCardCreation design, there will be a $9.95 charge for your new image.

Does my MyCardCreation card replace my current NBT Bank Debit Card?

Yes. Your personalized card will serve as the new debit card for your account. Upon receipt of your new card, you are strongly encouraged to destroy your old card.

Will my MyCardCreation Debit Card have the same card number as my current debit card?

Generally, the same card number will be used. However, NBT Bank may issue a new card number when providing your MyCardCreation card.

Does the contact information and address I enter for my order have to match that on my NBT Bank account?

Yes, please use the contact information and address currently on file with NBT Bank when processing your MyCardCreation order. Your MyCardCreation personalized debit card will only be shipped to the address on file with NBT Bank. If this information needs to be updated, please log in to NBT Online Banker to update your contact information under the “Other Services” tab prior to placing your card order.

How long will it take to receive my new card?

Upon approval of your card image, please anticipate delivery of your personalized debit card in 7-10 business days at the address specified.

What happens if my image is denied?

If your selected image is denied, you will receive an email from NBT Bank Customer Service indicating that your order cannot be processed. You may submit a new image that follows the image guidelines following the notification.

How often can I change the image on my debit card?

With MyCardCreation you may change the image on your debit card as often as you like. Each MyCardCreation order will cost $9.95, charged to the primary checking account associated with your debit card.

Will my Personal Identification Number (PIN) change with my new debit card?

No. Your PIN will remain the same. If you would like to update your PIN, please visit your local NBT Bank office for assistance.

Can I personalize my NBT Bank Credit Card?

No, the MyCardCreation service is only available for NBT Bank Debit Cards at this time.

Can I put a picture of my business on my debit card?

Yes. NBT Bank Business Debit Card holders may use an appropriate image of their business or their logo on their personalized debit card.

What happens if my personalized debit card is lost or stolen?

In the event your card is lost or stolen, NBT will issue a replacement card to you with a new card number (replacement card fees may apply, see Pricing Schedule). After a replacement card has been issued, you may request a personalized debit card using the new card number and the same image that was on your prior card for a cost of $9.95. If you would prefer to change your card image, you will need to place a new MyCardCreation order at a cost of $9.95.