NBT Bank Logo
NBT Bank - Please Upgrade Your Browser.

It appears that the version of Internet Explorer you are using to view this site is no longer supported by our enhanced website. At NBT Bank we value your security and strive to deliver the highest quality online experience. To ensure the best and most secure performance we recommend upgrading to the latest version of Internet Explorer, Mozilla Firefox or Google Chrome.

Please visit Microsoft.com, Google.com, or Mozilla.org to download the current version(s).

To directly access an account login page please use the links below:
NBT Online Banker | eStatements | StrataWeb | NBT 401(k) Daily Services | NBT Remote Deposit

If you have any questions or need any assistance please contact Customer Service at 1-800-NBT-BANK.


Apple Pay

When it comes to shopping, we like to take our time to find just the right items. When it comes to checkout, speed is of the essence. NBT Bank is making checking out even faster with another simple and secure way to pay with the availability of Apple Pay™. No more fumbling for your wallet at checkout. You can now conveniently pay with your preferred NBT Bank card with just the touch of a button on select Apple® devices.

Shopping Simplified. Security Amplified.

Apple Pay is a contactless payment solution that not only offers added convenience, but an additional layer of security. Apple Pay operates through the Passbook app on your iPhone® 6 or iPhone® 6 Plus using iOS 8.1 or newer. When prompted for payment at checkout, you simply hold your phone near the payment terminal and press the Touch ID™ button to complete your transaction.

In apps, it's just as easy. Simply select Apple Pay from the payment options provided to complete your purchase.

The account security and protection you have come to expect from NBT Bank is only enhanced through your use of Apple Pay. When using Apple Pay to make a purchase, your personal account number and information are never shared with the merchant. Instead, through tokenization, your uniquely assigned Device Account Number along with an encrypted transaction-specific security code are used to make the purchase rather than your card number further protecting your account from being compromised.

Where to Shop.

Apple Pay is growing as an accepted form of payment for in-store and in-app purchases across the United States. For an updated list of participating retailers and apps, visit: http://www.apple.com/apple-pay. While you are out shopping, simply look for the Apple Pay or contactless payment logo on the payment terminal as an indicator that you can complete your purchase using Apple Pay.

Get Started.

The following NBT Bank cards are compatible with Apple Pay to provide you with yet another convenient, easy and secure way to pay:
  • NBT Bank Personal Debit Card
  • NBT Bank iStrive Debit Card
  • All NBT Bank Personal Credit Card options
  • All NBT Bank Business Credit Card options
  • All NBT Bank Commercial Credit Card options
Apple Pay Icons

Apple Pay is a function of the Passbook app on select Apple devices. Your NBT Bank card can be added to Passbook by accessing the app directly or by navigating to "Settings" and selecting "Passbook & Apple Pay" and following the prompts on your screen. If you don't see the option to "Add Credit or Debit Card," swipe down and tap the plus sign. If you already have your NBT Bank card on file for iTunes®, follow the prompts to add it to your Passbook.

Our Recommendations

If you like this service, NBT Bank would also recommend:

Verified by Visa

Enjoy an added layer of security when you use your NBT Bank Debit Card to shop online.

chevron right image LEARN MORE
Visa Checkout

Simplify the way you make your online purchases by enrolling your NBT Bank Debit Card

chevron right image LEARN MORE
Mobile Banking

Manage your finances on the go with NBT Mobile Banking

chevron right image Learn More


Popular Questions


Apple Pay is an easy, secure and private way to pay for in-store and in-app purchase using the Passbook app on select Apple devices. With Apple Pay, you can leave your NBT Bank card in your wallet and make your purchase using your phone.

Apple Pay provides an added layer of security for in-store and in-app purchases by enabling payments for your preferred debit or credit cards without you having to use your physical card. Apple Pay uses tokenization to securely transmit your preferred method of payment with the app or the store's Near Field Communication terminal at checkout. Through tokenization, a Device Account Number along with an encrypted transaction-specific security code is used to make the purchase rather than your card number further protecting your account from being compromised.

Once you have enabled your NBT Bank card within Apple Pay, you can make payments by holding your phone in close proximity to the Near Field Communication or contactless payment terminal and simply placing your thumb on the Touch ID button displayed on your device's screen. You may make an in-app purchase by selecting Apple Pay upon checkout and placing your finger on the Touch ID button displayed on your device's screen. A passcode can be used when making payments in lieu of the fingerprint option.

Apple Pay is a function of the Passbook app on select Apple devices. Your NBT Bank card can be added to Passbook by accessing the app directly or by navigating to "Settings" and selecting "Passbook & Apple Pay" and following the prompts on your screen. If you don't see the option to "Add Credit or Debit Card," swipe down and tap the plus sign. If you already have your NBT Bank card on file for iTunes®, follow the prompts to add it to your Passbook.

For your security, when you add your NBT Bank card to Apple Pay, a Device Account Number that is separate and unique to your device is created. Your Device Account Number, instead of your real card number, is used to make purchases using Apple Pay further protecting your personal information. Your phone does not store your card number and nor does the merchant or app with which you are making the purchase.

In order to use Apple Pay, you need to have an iPhone 6 or iPhone 6 Plus running on iOS 8.1 or later for contactless and in-app payments. You can use iPad Air™ 2 and iPad mini™ 3 for in-app payments only. In 2015, Apple Pay was also made available for use through the Apple Watch.

If you believe your device has been lost or stolen or your Apple Pay card information compromised in any way, please call NBT Bank at 1-800-628-2265 to deactivate your NBT Bank enrolled card. This will not impact your ability to use your physical card. You can also go to www.icloud.com/settings or the Find My iPhone app to temporarily suspend or permanently remove the ability to make payments from your device, even if your device is offline.

Yes, you may add your card on up to ten devices. Your card will need to be added separately to each device through the Passbook app. You will be notified each time your card is added to a new device.

NFC is a technology that allows a smartphone or other mobile device to safely, securely and purposefully communicate with a payment terminal in very close proximity. You may also hear it referred to as a contactless payment solution. If your device is NFC enabled, look for the NFC icon on the payment terminal next time you are checking out.

Apple Pay currently allows for up to eight cards to be added to Passbook.

If your NBT Bank card is lost or stolen, please contact NBT Bank immediately at 1-800-628-2265 to protect your account from fraudulent activity. If your card number has been suspended by the bank for your protection, Apple Pay will not allow you to process charges using that card.

You can remove your card by selecting "Remove Card" in the "Passbook & Apple Pay" section of your device "Settings" or on the back of your card in the Passbook app by tapping on the symbol. You can also visit www.icloud.com/settings to remove your card or Find My iPhone to temporarily suspend or permanently remove the ability to pay with your cards on your device.

If you need to make a return for a purchase made with Apple Pay, you may be asked to provide to the cashier the last four digits of your Device Account Number instead of the last few digits of your card number. To find the last four digits of your Device Account Number for your card, visit the "Passbook & Apple Pay" section of your device "Settings" or look on the back of your card in the Passbook app.

Apple Pay is a secure way to make purchases in-store or in-app using your preferred NBT Bank card. Apple Pay adds an added layer of security to your purchases by using tokenization to securely transmit your preferred method of payment with the app or the store's Near Field Communication terminal at checkout. Through tokenization, a Device Account Number along with an encrypted transaction-specific security code is used to make the purchase rather than your card number further protecting your account from being compromised.

Tokenization replaces the personal account number assigned to your debit or credit card with a digital token that can be used for online and mobile payments. The token has no value if stolen or intercepted by an unauthorized party.

At this time, Apple Pay can only be used in the United States.

Apple Pay is an accepted contactless payment option among a growing number of retailers and for a growing number of in-app purchases. While checking out in-store, look for the contactless payment and/or Apple Pay symbol on the payment terminal. Look for the "Buy with Apple Pay" or "Apple Pay" button at checkout within the apps. Visit Apple's web site for a complete list of participating stores and apps.

    This link will take you from NBT Bank's website to a third-party location that is not controlled by NBT Bank. Please note that this new site may have a different policy on privacy, cookies, data collection and other user issues. NBT Bank does not monitor content on third-party websites and does not endorse and is not responsible for the content, guarantees, privacy policy, security, and products and services that are offered or expressed on them.

    Are you sure you want to continue?

    Yes No
    X