NBT Bancorp Inc. is a financial services holding company operating through two subsidiaries—NBT Bank, N.A. and NBT Financial Services, Inc. Through its network of branch locations, NBT Bank offers a wide range of products and services tailored to individuals, businesses, and municipalities. Deposit products offered by the Bank include demand deposit accounts, savings accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificate of deposit accounts. NBT Bank offers various types of each deposit account to accommodate the needs of its customers with varying rates, terms, and features.
Loan products offered by the Bank include consumer loans, home equity loans, mortgages, business banking loans and commercial loans, with varying rates, terms and features to accommodate the needs of its customers. The Bank also offers various other products and services through its branch network such as trust and investment services and financial planning and life insurance services. In addition to its branch network, NBT Bank also offers access to certain products and services electronically enabling customers to check balances, transfer funds, pay bills, view statements, apply for loans and access various other product and service information.
Through NBT Financial Services, the Company operates EPIC Advisors, Inc., a retirement plan administrator. Through EPIC, the Company offers services including retirement plan consulting and recordkeeping services.