Nbt bank oneonta ny -
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Business operations may be affected due to COVID-19. Please contact the business directly to verify hours.
Most Recent Comments
Sick and tired of drive-thru only at Southside Oneonta branch. Huge waste of time and gas! Covid continues to be bank's excuse for keeping the lobby closed while ALL surrounding businesses are OPEN. Considering moving accounts to different bank.
Staff were really rude. I called and ask if I could cash my paycheck there, they asked where and then were like yea we can do that for a fee. I get there 30 minutes later and they refused to cash it.
From NBT BankNBT Bank offers personal banking, business banking and wealth management services from locations in six states, including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine.
Nearest NBT Bank Stores
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NBT Bank Review
SmartAsset's Overall Rating3.7/5
- Mobile App
- Multiple Banking Products
NBT Bank was founded in 1856 with headquarters located in Norwich, New York. NBT Bank has $9 billion in assets and $7 billion in deposits, making it a large bank. NBT Bank lacks premium access to customer service, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. SmartAsset has rated NBT Bank 3.7 out of 5 stars, indicating that it is a decent choice, but with better options out there. NBT Bank offers the complete slate of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. Finding a checking account with no monthly fee as well as a savings account with a high interest rate at the same institution is your best bet for getting the most income on your deposits while maintaining convenient access to your money.
How We Rated It
SmartAsset's Overall Rating
The is a weighted average of rates, fees, service quality and financial health.Read more
When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings.
With a savings rate of 0.05%, NBT Bank ranks poorly compared to the average U.S. bank. Its one-year CD earns at a rate of 0.40% and the five-year CD earns at a rate of 1.25%, while its highest-yielding money market account has an APY of 0.05%. Given its below average savings rate, you should consider other options to earn more on your deposits.
How NBT Bank's Savings Rates CompareBack to Overview
NBT Bank charges its customers above-average fees compared to the national average. For those who will need cash in a pinch, NBT Bank is fair because it has an out-of-network ATM fee of $1.25, which is reasonable in comparison to other U.S. banks. Additionally, NBT Bank has an overdraft fee of $35.00, which is on par with the national average. NBT Bank does not refund out-of-network ATM fees, meaning you'll be required to locate a NBT Bank ATM or accept the withdrawal fee.
Monthly FeeN/ANational Average: $3.21
Non-network ATM Fee$1.25National Average: $1.20
Overdraft Fee$35.00National Average: $35.00
NBT Bank is a brick-and-mortar bank, with 156 total bank locations in Maine, Massachusetts, New Hampshire, New York, Pennsylvania and Vermont. It also offers access to mobile and web apps for a simple mobile-banking experience. NBT Bank gets inferior feedback from users for its mobile banking services. Out of 540 ratings across Apple and Android platforms, the NBT Bank mobile app has an overall rating of 2.6 out of 5 (compared to the national average of 3.8). NBT Bank's mobile app allows you to control your bank accounts by looking at account balances, transferring money as well as accessing support representatives. NBT Bank receives a superb consumer satisfaction score based on comparatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.
Overall Mobile Rating2.6/5
Consumer Satisfaction Rating5.0/5
Online Banking PortalNo
NBT Bank is a large bank owning $9 billion in assets and $7 billion in deposits. Its Texas Ratio is 2.88%, denoting a low likelihood of failure. Additionally, NBT Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.
Texas Ratio Analysis
High Risk75%50%20%10%Low Risk
The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.Back to Overview
Compare NBT Bank to Other Competitive Offers
|Product||Current Terms and Rates||Minimum Balance for APY|
|Savings Account||0.05% APY||$25|
|Checking Account||0.01% APY||$2500|
|Certificates of Deposit||$1000 for all terms|
|Money Market Accounts||0.05% APY 0.05% APY||$10000 $15000|
NBT Bank has several deposit products like savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. NBT Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. NBT Bank's CD rates are fair compared to other U.S. banks.Back to Overview
Find a NBT Bank Near Me
NBT Bank has 156 locations in the U.S.Back to Overview
Save more with these rates that beat the National Average
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savings accountsFind the best
|Bank||NBT Bank, National Association|
|Branch||Oneonta Southside Branch|
|Address||733 State Hwy 28,|
Oneonta, New York 13820
|Contact Number||(607) 431-2040|
|Service Type||Full Service, brick and mortar office|
|Date of Establishment||01/14/1998|
Opening Hours and DirectionsFind Opening Hours on Google Maps
|Bank Holding Company||NBT BANCORP INC.|
|HeadQuarters Address||52 South Broad Street,|
Norwich, NY 13815
|Bank Type||3 - NATIONAL MEMBER BANK|
|FDIC CERT #||07230|
|Total Bank Assets||$9,567,439,000|
|RSSD (Federal Reserve ID Number)||702117|
|RSSD (Federal Reserve ID Number) for Holding Company||1139279|
Routing Number for NBT Bank, National Association in New YorkA routing number is a 9 digit code for identifying a financial institute for the purpose of routing of checks (cheques), fund transfers, direct deposits, e-payments, online payments, etc. to the correct bank branch. Routing numbers are also known as banking routing numbers, routing transit numbers, RTNs, ABA numbers, and sometimes SWIFT codes (although these are quite different from routing numbers as SWIFT codes are solely used for international wire transfers while routing numbers are used for domestic transfers). Routing numbers differ for checking and savings accounts, prepaid cards, IRAs, lines of credit, and wire transfers. Usually all banks have different routing numbers for each state in the US. You can find the routing number for NBT Bank, National Association in New York here.
Total Assets:The sum of all assets owned by the institution including cash, loans, securities, bank premises and other assets. This total does not include off-balance-sheet accounts.
RSSD:The unique number assigned by the Federal Reserve Board (FRB) to the top regulatory bank holding company. This unique identifier for NBT Bank, National Association is 702117.
FDIC CERT #:The certificate number assigned to an institution for deposit insurance. The FDIC Certificate Number for Oneonta Southside Branch office of NBT Bank, National Association in Oneonta, NY is 07230. This unique NUMBER is assigned by the FDIC and is used to identify institutions and for the issuance of insurance certificates by FDIC.
- Address : 733 New York 28, Oneonta, NY 13820
- Phone Number : +1 607-431-2040
- Email : [email protected]
- Street Number : 733
- Route : New York 28
- Postal Code : 13820
- Locality : Oneonta
- State : New York (NY)
- Country : United States
- Website : nbtbank.com
Where is NBT Bank of Oneonta (Southside) in Oneonta on the Map?
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