NBT Bank

Worst banking experience of my life. Had my account charged with four overdraft fees within one week without any alert or notice from the bank. Never had a problem overdrafting my account in 11 years, but the one time I do, I get charged $140 within a week. Worst banking experience of my life; would not recommend to anybody.

If you are interested in business loans or a bank that will value your business, this is not the bank for you. They are not business-friendly at all. It's runaround after runaround, and even after 7 years of $8k a month payments, we can't get $40k released in under 6 weeks. They did a full review of us in 2024, then are making us do it again in 2025. They have $1.5 million in collateral, $400k in loans, and won't release $40k. Forget this place.

NBT Bank is the absolute worst bank ever! NBT stands for Nothing But Trouble! The customer service is terrible! Our account was hacked! NBT allowed individuals from out of state to cash fake checks with our name misspelled and the endorsements only having first names. It was complete fraud, and they didn't bother to stop it. Now, our debit cards were turned off without warning while we were on vacation. Luckily, we had $41 in cash to make it home. The reason? NBT said they didn't have our employer information, which they definitely did. ATMs rarely work. We are searching for a new bank now!

Tried calling NBT Bank several times, so I finally went to speak with the branch manager. I said to them that I had been calling and leaving messages, and you never called me back. Her response was, "I have a lot of calls to deal with." I guess that’s great customer service. I’m really looking to switch banks; these people don’t have a clue what’s going on when asking them questions.

I've held accounts with NBT Bank and its predecessors for five decades. While I've had excellent service with them on the domestic side, it has been 180 degrees opposite on anything international. Despite notifying the bank in advance, both online and in person, of upcoming foreign travel, the bank has consistently frozen my accounts once I was traveling abroad, rendering both my debit card and access to my accounts unusable. This has occurred several times. I lodged a formal complaint with a regional NBT president, who took my complaint seriously and subsequently informed me that NBT had reformed its system. Well, I went through the same motions for my latest foreign trip and guess what? Locked out of my accounts, requiring a 45-minute phone call from overseas to reverse it. Having zero trust in NBT's competence in this area, I now use another bank that caters to military personnel and retirees whenever I travel outside the country. I also use this bank when wiring money abroad due to NBT's excessive fees and slow processing. Bottom line: if you never leave the country and engage solely in domestic financial transactions, NBT is fine. If not, take your business elsewhere.

My first call, I received an automated message that all agents were busy, and so on. I selected the option to have my place held in line for an agent to call me back. I received a call back within a minute and got the automated system again, stating all agents were busy. Then why did I get a call back if no one could answer the phone?

Kristen in Customer Service is the most rude and unhelpful representative I've encountered. She sounded absolutely miserable when she answered the phone. I had the displeasure of speaking to her twice. She transferred me to a different department whose line rang unanswered.

Upon calling back, she was uncooperative and made no attempt to provide further assistance, even when I asked if there was a specific person she could reach out to. I inquired about how to file a complaint, and she didn't answer that question. She did mention she didn't know what to tell me if the people in that department weren't answering the phone. She could have reached out to her supervisor, who probably could find out why no one was answering the phone. But Kristen didn't do that. I was so irritated that I hung up on her.

If there were any other bank local to me, I would use them. Sadly, I'm stuck with this bank. If you can, bank anywhere else.

STAY AWAY. My wife and I banked with NBT for 8 years despite the multiple perks and benefits of a relationship with a larger entity like BOA. We paid off one mortgage during this time and the bulk of another one. I believed the conventional wisdom that a personal relationship with local bankers would be helpful to our long term financial goals.

We recently tried to roll over my wife's retirement assets to a different vehicle, with the input from our financial advisor, accountant, benefit plan administrators and IRA custodian. A business checking account was required with some parameters specific to the nature of the transaction. All requested documents were provided. Clinton branch manager Lori had no clue what we were trying to accomplish and treated my wife like a criminal, instead of as someone who has consulted with multiple experts and followed all of the transactional rules. Lori refused to contact any of the more knowledgeable fiduciaries we referred her to (to their shock), and after weeks left us a voicemail stating she was refusing to open the required account. A zero class move from a zero class outfit. Fortunately, we found another bank that was more than willing to help.

If the sizable business I offered was rebuffed by these local yokels, it's likely yours will be too. Stay far away, and if you're already a customer run - don't walk - while you can.

I have been banking with NBT for 32 years and have decided to part ways. A company accessed my account not once, but three times, which was obviously fraudulent. NBT was kind enough to charge me insufficient funds fees and then, after the third incident, charge me a fee to stop the payments. So not only was I scammed by the company, but NBT also took money from me as well. I am so tired of being cheated out of my money that I work so hard for.

Very rude and very unprofessional. I was simply trying to access my account online and set up recurring payments. It took me an entire week and an hour on the phone every day for the entire week. Instead of assisting me with getting my account set up, they were too busy asking me for my social security number and threatening to put me in collections. As a new customer trying to make my first payment and get my external account set up, this was my experience with NBT Bank.

As an oversight, I was late on a car loan payment. Rather than email or call my primary cell number, they sent two late notices for the past-due payment. As a result, my credit score dropped 68 points while I was refinancing. "There is nothing we can do," was their response. Their defense was that they sent multiple letters, two to be exact. They seemed incredulous when I suggested emailing or calling me. I explained that it is 2024 and all my accounts are digital, including my mortgage.

This bank is the absolute worst! They financed my late father-in-law's solar panels, and all they cared about was his money! They showed no empathy, made his children go through several unnecessary hoops regarding paying off this loan for overpriced solar panels.

NBT bank is the worst bank I have ever had the displeasure to do business with. Nobody is on the same page which makes for mass confusion. It was a nightmare dealing with them and took many many times to get things straighened out. The simplest tasks are to much for them to handle. They also had the collection department calling me 4 or 5 tines even though I was never late on the 2 payments I made before paying the Solar loan off on the 3rd payment. I would not recommend using this bank it seems to me that they are a,work in progress and we are the guinea pigs. The nbt app is also terrible and very poorly designed. Making it almost always necessary to do things over the phone. I am sure there are better options out there live and learn.

NBT user interface is impossible to navigate. Customer service is unresponsive and not able to help with issues relating to their app.

Worst Bank Ever! They charged me 2x for my first auto payment. Four phone calls later and it still wasn't resolved. I disputed the second payment with my bank and they charged me $20 for getting my money back from their screw up. Two more phone calls and it is still not resolved. What type of bank cannot figure out how to do monthly payments? Bank with literally anyone else.

This review should be 0 stars, not even 1 star, but I don't see how to do that.

My house is being held hostage by NBT bank because they put a lien on my house for a $53,000 loan for solar panels that I never asked for and never wanted, all because they don't understand how a deed with life estate works.

Unbeknownst to me, as I was visiting North Carolina at the time the Covid-19 pandemic struck and I was under doctor’s orders to quarantine in place and not travel, my adult son, Donald Lorenzo, while not the owner of the property, caused solar panels to be installed and financed through NBT Bank. Neither the solar panel installer nor this bank ever checked the real estate records or required proof that Donald Lorenzo was in fact, the owner of the house and therefore legally authorized to contract and finance the installation of said solar panels. HE WAS NOT.

My son committed suicide on 1/26/22 (before the first loan payment was even due.)

I am a retired senior citizen living on social security and now in addition to dealing with the loss of my son I can't sell my house and get on with my life because NBT bank wants their money from me rather than from my son's estate. You would expect a big bank to know how to interpret a deed with life estate and know that although my son's name is listed as the grantee, my son retained the REMAINDER INTEREST i.e. a future interest in the property which does NOT come into being until the life estate holder (me, the grantor) passes away. Only then does he become the legal owner in fee simple absolute of the premises.

Unfortunately, my son passed away first. His future interest in the property thereby passed to me, the grantor, by operation of law, making me the full owner of the property again.

The Sungage Lending Team is being totally unreasonable, telling me I would have to take them to court (this after not wanting to talk to me and avoiding my calls and letter.) A 72 year old divorcee now has to incur untold legal expenses to take on a big bank with a staff of lawyers when she has done nothing wrong and is the victim here - this is not fair and I strongly advise anyone and everyone from doing business with NBT Bank

I'll be posting this review everywhere I can.