NBT Bank is a Northeast U.S. community bank headquartered in Norwich, New York. It operates roughly 155 branches across seven states (New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut), with additional branches added in Western New York after the 2025 acquisition of Evans Bancorp. Customer service is at 1-800-NBT-BANK (1-800-628-2265) or by email at customerservice@nbtbank.com. This page shows how to find the closest NBT Bank branch or ATM, hours, phone numbers, and by-state coverage.
Map of NBT Bank locations near me
Use the map below to find the closest NBT Bank branch or ATM. Enter your address, city, or ZIP code (for example 13815 for Norwich NY near the headquarters, 13204 for Syracuse, 14086 or 14092 for Western New York / Buffalo suburbs, 12137 for Rensselaer County NY, 12540 for Dutchess County NY, 18505 for Scranton PA, 01906 for Saugus MA, 07078 for Short Hills NJ border, or one of the many other NBT ZIPs in the Northeast) to see the nearest banking centers and ATMs.
NBT Bank at a glance
- Parent company: NBT Bancorp Inc. (NASDAQ: NBTB)
- Founded: 1856 (as the Bank of Norwich in Norwich, New York; adopted the NBT Bank name in 1988)
- Headquarters: 52 South Broad Street, Norwich, New York 13815
- Retail branches: Approximately 155 branches across seven states, following the May 2025 acquisition of Evans Bancorp (Buffalo/Rochester NY area)
- States served: New York (primary), Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, Connecticut
- ATM access: NBT-branded ATMs at every branch, plus surcharge-free access on the SUM Program network (community-bank ATM cooperative across the Northeast)
- Customer service: 1-800-NBT-BANK (1-800-628-2265)
- Customer service email: customerservice@nbtbank.com
- Routing number: 021302567
- Website: nbtbank.com
NBT Bank branch near me
To find the closest NBT Bank branch, use the official locator at nbtbank.com/Personal/Customer-Support/Find-a-Location. Enter your ZIP code, city, or state and filter by service type: branch, ATM, drive-thru, or Interactive Teller Machine. Each result shows the branch address, phone number, lobby and drive-thru hours, and services offered such as safe deposit boxes, notary, and Interactive Teller Machines.
NBT Bank ATM near me
NBT Bank operates ATMs at every retail branch, plus additional standalone and drive-up ATMs in select markets. Most NBT ATMs are open 24/7 and support cash withdrawal, balance inquiry, and, at deposit-enabled ATMs, envelope-free cash and check deposits. NBT customers use any NBT ATM fee-free.
Beyond NBT-owned ATMs, NBT participates in the SUM Program, a surcharge-free ATM cooperative across the Northeast that includes hundreds of community-bank and credit-union ATMs. NBT customers can use SUM Program ATMs without paying a surcharge from the ATM owner (an NBT out-of-network fee may still apply on non-SUM machines depending on your account tier). To find SUM Program ATMs, look for the SUM sticker on the ATM or check the SUM locator via NBT’s website.
NBT Bank by state
NBT Bank operates in seven Northeast states. Here is where the network is densest.
New York (primary market)
New York is NBT Bank’s home state and by far the largest network, covering the Southern Tier (Norwich, Oneonta, Binghamton, Whitney Point), Central New York (Syracuse, Cicero, Auburn), the Capital Region (Albany, Schenectady, Troy, Latham, Colonie including near Crossgates Mall), the North Country (Plattsburgh, Watertown), the Hudson Valley (Poughkeepsie, Kingston, Lagrangeville near ZIP 12540), Western New York (Buffalo, Rochester, Amherst, Lancaster ZIP 14086, Lewiston/Youngstown ZIP 14092 area, expanded after the 2025 Evans Bancorp acquisition), and additional Upstate communities including Cairo (Greene County), Elmwood, Brockport, Naples, and Bard College area. Filter the locator to New York for the current network.
Pennsylvania
NBT Bank operates in Northeast and Central Pennsylvania, including branches around Scranton and Wilkes-Barre (ZIP 18505 area), the Pocono region, plus additional Pennsylvania communities. Filter the locator to Pennsylvania for current locations.
Vermont
Vermont is one of NBT’s core markets, including Burlington, Colchester, South Burlington, Essex (Essex Junction), Rutland, Middlebury, and other Vermont communities.
Massachusetts
NBT Bank serves Western and Central Massachusetts, including the Pioneer Valley (Springfield, Chicopee, Holyoke, Northampton, Amherst), the Berkshires (Pittsfield, Lenox), and additional Massachusetts communities. Filter the locator to Massachusetts for current locations.
New Hampshire
NBT operates across New Hampshire, including Claremont, Lebanon, Hanover, Manchester, and other NH communities. Filter the locator to New Hampshire for current locations.
Maine
NBT Bank has branches across Maine, including Portland, Lewiston, Auburn, Bangor, and other Maine communities. Filter the locator to Maine for current locations.
Connecticut
NBT added Connecticut coverage after acquiring Salisbury Bancorp in 2023, and now operates branches in the Litchfield County and Northwestern Connecticut area. Filter the locator to Connecticut for current locations.
States without NBT Bank branches
NBT Bank does not operate branches in California, Georgia, North Carolina, South Carolina, Indiana, Alaska, or Florida. NBT Bank has no branches in California, Alaska, North Carolina, South Carolina, Georgia, Indiana, or Florida. NBT’s footprint is entirely in the Northeast (NY, PA, VT, MA, NH, ME, CT). New Jersey is border-adjacent but has no NBT branches; the closest NBT branches to Chatham and the rest of northern New Jersey are across the border in New York’s Hudson Valley or on Long Island. Online banking through nbtbank.com and the NBT Bank mobile app remain available to existing customers nationwide.
NBT Bank hours, Saturday hours, and open now
NBT Bank branch hours vary by branch, but most retail branches follow these general hours:
- Monday to Friday: 9:00 AM to 5:00 PM lobby (drive-thrus and Interactive Teller Machines often open earlier and stay later, typically 8:00 AM to 6:00 PM)
- Saturday: Many branches, especially drive-thru or in-store locations, open Saturday morning (typically 9:00 AM to 12:00 PM); some full-service branches are closed on Saturday
- Sunday: All NBT Bank branches are closed on Sunday. Online banking at nbtbank.com, the NBT mobile app, and NBT ATMs remain available 24/7.
To confirm hours for a specific branch, look it up on nbtbank.com.
NBT Bank holiday hours
NBT Bank follows the Federal Reserve holiday schedule, so retail branches close on New Year’s Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day / Indigenous Peoples’ Day, Veterans Day, Thanksgiving, and Christmas. ATMs, online banking at nbtbank.com, and the mobile app remain available on holidays. See our guide to banks open on holidays near me for the full calendar.
Contact NBT Bank
- Customer service: 1-800-NBT-BANK (1-800-628-2265).
- Customer service email: customerservice@nbtbank.com.
- 24/7 customer service: The 1-800-628-2265 line has extended hours (typically Monday to Friday 6:00 AM to 12:00 AM ET, Saturday and Sunday shorter hours).
- Lost or stolen debit card: Call 1-800-628-2265 or lock the card in the NBT Bank mobile app
- Corporate headquarters: NBT Bank, N.A., 52 South Broad Street, Norwich, NY 13815
- Website: nbtbank.com
- Fraud reporting: Call 1-800-628-2265 to report suspected fraud on your NBT account or debit card. See the NBT fraud-prevention video below for common scam patterns.
About NBT Bank
NBT Bank traces its history to 1856, when it was chartered as the Bank of Norwich in Norwich, Chenango County, New York. It became NBT Bank in 1988 and now operates as a national bank subsidiary of NBT Bancorp Inc., a publicly traded bank holding company listed on Nasdaq under the ticker NBTB. Through decades of steady expansion and community-bank acquisitions (including Alliance Financial, Pennstar Bank, Salisbury Bancorp of Connecticut in 2023, and Evans Bancorp of Buffalo NY in May 2025), NBT has grown from a single-branch Upstate New York bank into a Northeast regional bank with roughly 155 branches across seven states. The corporate headquarters remains at 52 South Broad Street in Norwich, and NBT continues to focus on community banking, wealth management (NBT Wealth Management), and business banking for small and mid-sized companies across the Northeast.
Frequently asked questions
Is there an NBT Bank near me?
If you are in New York (especially the Southern Tier, Central New York, Capital Region, Hudson Valley, Western NY/Buffalo/Rochester after the 2025 Evans Bancorp acquisition), Pennsylvania (Scranton area), Vermont, Massachusetts (Western Mass), New Hampshire, Maine, or Northwestern Connecticut, the map on this page and the locator at nbtbank.com will show the closest branch or ATM. Elsewhere in the U.S., NBT Bank does not have retail branches.
What is the NBT Bank customer service phone number?
1-800-NBT-BANK, which spells 1-800-628-2265. This single number handles most calls including account inquiries, card issues, online-banking help, loan questions, and fraud reporting. For loans and business accounts, the same line will route you to the correct department.
What is NBT Bank’s customer service email?
customerservice@nbtbank.com. Use this for non-urgent inquiries. For account-specific or time-sensitive matters, calling 1-800-628-2265 is faster. Do not send sensitive information (full account number, Social Security number, passwords) by email.
Which states is NBT Bank in?
New York (home, largest network), Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut. NBT does not operate branches in California, Florida, Georgia, the Carolinas, Indiana, Alaska, or other states outside the Northeast.
Where is the closest NBT Bank ATM to me?
NBT ATMs are at every retail branch, plus additional standalone locations. NBT customers also use SUM Program ATMs surcharge-free across the Northeast. Enter your ZIP code on nbtbank.com and filter for ATM. Most NBT ATMs are open 24/7.
Can NBT Bank customers use non-participating ATMs?
Yes, but out-of-network fees typically apply. NBT customers use NBT-branded ATMs fee-free and SUM Program ATMs surcharge-free (the ATM owner does not surcharge; NBT may still charge a small out-of-network fee depending on your account tier). At other ATMs, both the ATM owner’s surcharge and NBT’s out-of-network fee typically apply.
Is NBT Bank open near me right now?
Most NBT branches operate Monday to Friday 9:00 AM to 5:00 PM local time (drive-thrus often 8:00 AM to 6:00 PM). Many branches open Saturday morning (typically 9:00 AM to 12:00 PM). All branches close Sunday. Online banking, the NBT mobile app, and NBT ATMs remain available 24/7.
What are NBT Bank Saturday hours?
Many NBT branches, especially drive-thru or in-store locations, open Saturday morning 9:00 AM to 12:00 PM. Some full-service branches are closed on Saturday. Look up your specific branch on nbtbank.com.
Is NBT Bank open on Sunday?
No, NBT Bank branches are closed on Sunday. Online banking, the mobile app, and ATMs remain available 24/7. The 1-800-628-2265 customer service line has limited Sunday hours; branches are closed on Sunday.
Where is NBT Bank headquartered?
NBT Bank is headquartered at 52 South Broad Street, Norwich, New York 13815. Norwich is in Chenango County in Central New York; the bank has been in Norwich since 1856.
How many NBT Bank locations are there?
Approximately 155 retail branches across New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut, following the May 2025 acquisition of Evans Bancorp of Buffalo, NY. The exact number shifts as branches open, close, or merge; see nbtbank.com for the current list.
What is NBT Bank’s routing number?
021302567 (used for direct deposits, ACH transfers, wire routing, and other automated payments to NBT accounts).
Does NBT Bank have branches in California, Florida, or Georgia?
No. NBT Bank operates only in the Northeast: New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine, and Connecticut. NBT Bank has no retail branches in California, Florida, Georgia, the Carolinas, Indiana, or Alaska. Online banking through nbtbank.com remains available to existing customers regardless of physical location.
More bank guides on Banks Near Me
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