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.

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 - $2,499.99 0.10% APY
$2,500.00+ 0.15% APY
Last checked on: 01-10-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee Unknown
Account Opening Fee $0.00
Account Closing Fee Unknown

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

Address 52 South Broad Street
Norwich, NY 13815

Customer Service

Mailing Address NBT Bank
PO Box 351
Norwich, NY 13815
Phone Number 1-800-628-2265
Email Address [email protected]