Questions and Answers

Questions and Answers

The following questions and answers provide you with important information about the merger between NBT Bank and Evans Bank, including products and services affected and how you can prepare for a smooth transition.

Evans Bank branches will become offices of NBT Bank upon the closing of the merger, which is expected to occur in conjunction with the system conversion in the second quarter of 2025.

NBT Bank is a consumer and commercial community bank headquartered in Norwich, New York. Since opening our doors in 1856, we have remained committed to providing our customers with superior banking services and helping to make the communities we serve a better place to live and work. Our greatest competitive advantage remains our people. Through their dedication, we enhance our ability to serve customers through relationship building, personalized banking solutions, local decision-making, and commitment to community initiatives. As our customer, you will be able to conduct business from over 170 locations in New York, Pennsylvania, Vermont, Maine, New Hampshire, Massachusetts, and Connecticut. You will also have access to a network of over 200 ATMs and 24/7 digital banking tools.

We understand there is a lot to review, but rest assured that changes to your account(s) will be detailed in the Account Information Guide (PDF). We strongly encourage you to take the time to read this important information. We are here to assist with your questions.

Contact our NBT Customer Contact Center at 1.800.628.2265 weekdays from 7 a.m. to 7 p.m. (EST) or Saturdays from 9 a.m. to 12 p.m. You can also reach out to your Evans Bank branch office, or your Evans Customer Experience Center at 1.844.693.8267 weekdays from 8:30 a.m. to 6 p.m. (EST) or Saturdays from 9 a.m. to 12 p.m. Many of the bankers you know and trust will continue to serve you as NBT bankers.

We intend to keep account numbers the same. You will receive a separate communication detailing new account information prior to the merger if we need to change your loan and/or deposit account number for any reason.

NBT will retain the Evans Bank routing number to facilitate your transition. For your reference, NBT’s routing number is 021303618. After the merger, please use NBT’s routing number to reorder checks and set up new external transfers.

You can continue to use your existing supply of Evans Bank checks for your checking, money market, and line of credit accounts. If you order your checks through a vendor other than Deluxe, you will need to change the bank name to NBT Bank the next time you reorder.

Yes, direct deposits of payroll, government, other preauthorized payments, or any other direct deposit into your account should continue as currently set up. This also applies to electronic payments directly set up with your account and routing number.

Companies originating payroll deposits or preauthorized payments may receive a notification of change (NOC) with updated information regarding NBT Bank electronic payments. Receipt of a NOC does not prevent the transaction from being posted, but the originator of the transaction is expected to update the information indicated on the NOC prior to sending the next transaction.

According to our Funds Availability Policy, NBT Bank’s policy is to make funds from your deposits available as quickly as possible. For more information on determining deposit availability, same-day and next-day availability, and longer delays that could occur when making a deposit, please refer to page 51 for the Personal Funds Availability Policy and page 63 for the Business Funds Availability Policy in the Account Information Guide (PDF).

To the extent possible, your account transactions will be posted in the order in which you made them. Deposits will be posted first, followed by debits. For a complete description of our transaction posting order, please refer to the Pricing Schedule on pages 35-36 in the Account Information Guide (PDF).

NBT offers eStatements through the NBT Digital Banking platform. If you are already enrolled in eStatements at Evans Bank, we recommend downloading any statements you may require for your records prior to the merger. Upon accessing NBT eStatements for the first time, you will be prompted to accept the new Terms and Conditions.

All Evans Bank checking and savings customers will receive a final statement produced on the last business day before the merger, reflecting transactions processed through that day. Interest will also be posted to interest-bearing checking and savings accounts on that day. Following the merger, any interest earned on your account will be paid on the date your NBT Bank statement is produced.

Your first NBT Bank statement will be produced according to the same schedule on which your statements were produced at Evans Bank. Consumer and Business deposit account statements will continue to be produced at the end of the month. Savings statements will continue to be produced quarterly unless you have a monthly combined statement.

Yes, at NBT Bank, we will combine many of your banking products on a combined statement if these products are associated with the same account name(s), name order, address, and social security number(s). You will continue to receive separate statements for all products that do not meet these criteria. After the merger, you may contact NBT Bank about adding other accounts to your combined statement.

Images of canceled checks will continue to be provided to checking customers currently receiving them. NBT Bank does not offer image statements for money market deposit accounts. If you currently receive images with your Evans money market statement, this service will not continue following the merger.

NBT Bank provides access to check images within NBT Digital Banking. There may be a period immediately following the merger when your historical Evans Bank check images will not be available while we work to load those images into NBT Digital Banking. We recommend that you download any Evans check images that you may need prior to the merger. If you have an immediate need for a check image following the merger, please contact our customer support team.

You will receive your NBT Bank account notice(s) and year-end tax forms by mail.

NBT Bank will produce all 2025 tax reporting information pertaining to deposit accounts, IRAs, and loan accounts that require a year-end tax notice. The applicable notice(s) will consolidate all reportable tax information under Evans Bank and NBT Bank through year-end 2025.

Yes, you will receive a new NBT Bank VISA® Debit Card or NBT ATM Card. Watch your mail for two separate communications regarding your new debit or ATM card. One mailing provides all the details and information about when to activate and use your new card and when to terminate your old card. The second mailing is the debit or ATM card with activation details.

Please ensure all address information is current with Evans Bank. If you have a forwarding address with the United States Postal Service, your card will be mailed to that forwarding address.

Please see our complete list of ATM locations at www.nbtbank.com/locations

The following limits apply to the personal External Account Transfer Service:

  • A daily limit of $2,000 per customer
  • A monthly limit of $5,000 per customer

  • A daily limit of $5,000 for personal customers
  • A daily limit of $20,000 for business customers

Recurring bill payments through Evans Bank’s online bill payment service or electronic transfers (including loan payments) from your account established through Evans Bank will continue after the merger. After the merger, you should review your recurring bill payments to ensure all payments are processed as you expect.

If you have any of the following transfers set up and want them to continue as an NBT Bank customer, you will need to recreate them within NBT Digital Banking after the merger:

  • Recurring and future-dated external account-to-account transfers
  • Recurring and future-dated internal account-to-account transfers
  • Recurring payments set up with your debit card
  • Recurring and future-dated ACH Payments (businesses only)
  • Recurring and future-dated wires (businesses only)

NBT Bank makes managing and paying your loans simple and easy. We accept payments online, with recurring automated payments or external account transfers. For more details on loan payment options, visit Loan Payment Options.

Yes, NBT Bank offers Telephone Banking service with 24/7 access. To access it, call 1.800.628.2265, select option 2, validate your security questions, and follow the prompts.

After the merger, enroll and access your NBT Digital Banking account as follows:

  1. Navigate to www.nbtbank.com
  2. Click Login > Select NBT Digital Banking > Select “Login Now”
  3. Enter your existing Evans Bank username
  4. Enter your existing Evans Bank password
  5. Enter and verify the following information:
    1. First Name
    2. Last Name
    3. Date of Birth
    4. Zip Code
    5. Email Address
    6. Last four digits of your Social Security Number
  6. Receive a one-time PIN as a voice call or text to one of your available phone numbers and enter that PIN on the screen for added security.
  7. Select and enter a new password to use for your NBT Digital Banking service.

Download the NBT Bank mobile app from the Apple App Store or Google Play Store, and sign in to access NBT Digital Banking. Follow the enrollment steps outlined above if this is your first time signing in to NBT Digital Banking. Note that you will only need to complete this enrollment process one time through either online or mobile, not both. You may delete your Evans Bank mobile app.

Yes. Set up and receive critical account alerts for events such as low account balances, check clearing, loan payment due dates, and more. (Alert set-up can be found in NBT Digital Banking > Profile > Alerts)

All customers will receive a notification via postal mail for each outgoing wire sent and each incoming wire received. Cut-off times for wires for same-day processing (Domestic and International): 

Outgoing wire requests

  • 3 p.m. (EST) for wires submitted in person and via telephone
  • 3:30 p.m. (EST) for wires submitted through Digital Banking (business customers only)

Incoming wires

  • 4 p.m. (EST) for all incoming wires

For incoming domestic wires, please provide the new wire instructions outlined below to any wire originator that will be sending you a domestic wire post-merger:

  • Beneficiary Financial Institution: NBT Bank
  • ABA/Routing Number: 021303618
  • Bank Information: NBT Bank, N.A. 52 South Broad Street Norwich, NY 13815

For incoming foreign wires, please provide the new wire instructions outlined below to any wire originator sending you a foreign wire post-merger. These instructions pertain to incoming foreign wires sent in US dollars or foreign currency. NBT is in the SWIFT directory under code NBTNUS31.

  • Beneficiary Financial Institution: NBT Bank
  • ABA/Routing Number: 021303618
  • Swift/BIC: NBTNUS31
  • Bank Information: NBT Bank, N.A. 52 South Broad Street Norwich, NY 13815

If you have an Evans wire agreement and currently initiate your wire requests with your local branch via phone, the new number to call and place your wire request with NBT Bank’s Wire Room is 1.607.337.6630. For all other wire-related inquiries, contact your local branch or NBT’s Contact Center at 1.800.628.2265.

For more information about account details and action items you can take to prepare for the merger, please see the Personal and Business Checklists in the Account Information Guide (PDF).