NBT Bank


We are an independent community bank based in Norwich, N.Y. We trace our roots back to 1856 and are proud of our heritage of building long-term financial relationships. Today, NBT Bank offers personal banking, asset management and business services through a network of more than 155 banking locations in five states including upstate New York, northeastern Pennsylvania, northwestern Vermont, western Massachusetts and southern New Hampshire. Our customers have the added convenience of an extensive ATM network, and we provide many services online.

At NBT Bank, we are committed to our community banking philosophy of putting customers first and investing in the communities we call home. Our greatest competitive advantage is our people. Through their dedication, we are able to ensure that our customers receive the highest level of service. Throughout our history we have supported numerous organizations and causes. In addition to financial support, our employees contribute time and expertise to many local committees and boards. If something is important to the community, you’ll likely find the people of NBT Bank involved in and supporting the effort through time, money or resources.

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 are unknown at this time


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]