NBT Bank


NBT Bank is an independent, community bank based in Norwich, N.Y. We trace our roots back to 1856 when a group of business leaders in Norwich saw a need for additional banking resources in the community and came together to form a bank. We have a proud heritage of building long-term financial relationships with individuals, businesses and organizations, agricultural operations and local governments.

User Ratings

GD Star Rating

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Checks
  • Online Banking
  • Investment Options

HSA Interest Rates

Interest rates for various balance tiers
$0.01 - $2,499.990.10% APY
$2,500+0.15% APY
Last checked on: 05-01-2020. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee$0.00*
Account Opening Fee$0.00
Account Closing FeeUnknown

* No monthly maintenance fee with a direct deposit and/or an average balance of $500; otherwise $2.50 per month fee applies.

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: check_box   Other: close

CDs Details

  • Terms: Range from 12 months to 60 months
  • $1000 minimum to open
  • Additional deposits allowed one time annually

Contact Information

General Information

Address52 South Broad Street
Norwich, NY 13815

Customer Service

Mailing AddressNBT Bank
PO Box 351
Norwich, NY 13815
Phone Number1-800-NBT-BANK (1-800-628-2265)
Email Address[email protected]