Terrible bank with awful policies. Don’t use if you want your money.
I recently opened an account with this bank. Long story short my account has been open for more than 30 days and they are still holding my money for 9 business days. The deposited check has been cleared as I can’t cancel the check and they said I was unable to close my account. So they are holding a large amount of my money for a week and a half. They said they might be able to make all if it or some of it available at the branch and someone denied it. I understand policy but being it’s over 30 days now and not a new account, the check is already cleared, so it’s not a question of is the check real or not.
The fact I was left with no money over the holidays and the first of the months has cost me hundreds of dollars and marked up my credit with late payments. I’ll be taking every penny out of this bank as soon a possible.
The fact I was left with no money over the holidays and the first of the months has cost me hundreds of dollars and marked up my credit with late payments. I’ll be taking every penny out of this bank as soon a possible.
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I am NOT a Fan !
NBT took over my bank. Admittedly I was originally resistant to the change.. I kept all my family accounts there and a year later I am completely frustrated with their service. 1) Banking done on Saturday (before noon) at a branch with a teller is not recorded until Tuesday even with the bank being open on Monday. 2) ATM purchases and an up to date bank balance are not visible when used during the weekend… but they will happily nail your account with a $35 free for overdraft. 3) Online banking does not include savings accounts. You can see the account on the app but you can not transfer the money (so don’t use savings as an emergency account) Customer Service, bank staff and the company that manages fraud are excellent… the online banking and weekend processing need major improvement.
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Response from developer
We're disappointed to hear your experience with us has not met your expectations! We are committed to enhancing our customer experience and value the feedback shared. We would love the opportunity to further discuss your concerns. To get started, please email us at NBTCares@nbtbank.com.
Mobile deposit
Easy and while I appreciate being able to make deposits like this, it doesn’t take the place of having a local branch to do my business in. I miss the convenience of not having to drive downtown to get cash from the ATM or conduct small business transactions with the friendly people there.
Response from developer
Thanks for the positive feedback - we appreciate you sharing your experience with us!
Easy to use
The app makes it quick and easy to check my multiple account balances. Transferring between accounts, reviewing transactions, depositing checks, and using Bill Pay are a breeze as well.
As a bonus, having the ability to quickly check my credit score is a major convenience!
As a bonus, having the ability to quickly check my credit score is a major convenience!
Response from developer
We appreciate the honest feedback - Thanks for sharing your experience with us!
Poor excuse for a banking app
Compared to the website this app is objectively not good, constant connection problems, half the time the app gives an unexplained error when I try to simply log in. Transactions constantly appearing days late even though on the website the appear almost instantly, limited accessibility options and not even showing the finer details of transactions is not okay for an app on which I’m suppose to manage my finances on. 5 year member and user of the app too just so people don’t think I’m blindly giving un constructive criticism. Further more the Face ID never functions as intended, depositing checks with the application results in almost a weeks delay for the funds to actually appear and consistently there is a bug where if you log in, then close the application within 5 minutes of logging in you are unable to log in once again for about 24 hours. Not excusable at all for a multi million dollar bank corporation.
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Response from developer
We appreciate you taking the time to share your honest feedback. We would love the opportunity to further discuss your concerns. To get started, please email us at NBTCares@nbtbank.com.
So Poorly built
Your app is absolutely terrible!!! Sorry to be so blunt but it is absolutely the worst banking app I have ever seen or used. It is not user friendly at all. I use apps for every loan credit card bank account I have and your app is by far the worst. I urge who ever designed this app to go on any other banking app and use it and than come back to the one they designed and ask themselves if they still think they did a good job. It is annoying to navigate! I should be able to look at all my loans, select one, select pay bill, get a drop down of if I’m paying the monthly minimum or other options with that number listed have a box to add any additional payment and a drop down for what acount the money will be coming from.
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Response from developer
We appreciate the honest feedback! We will gladly share your concerns with our team!
Robber friendly app
This is a horrific banking app. If you want to get robbed, bank with nbt. It’s completely unacceptable that one could spent 10k and not have a single listed transaction for what it was for. Someone could be using your card, stealing from you and it would be super hard to notice unless you paid insanely close attention. If you’re spending money at the same time someone is robbing you, it’s going to be even harder to notice immediately. On top of all this, I’ve never encountered more rude/terrible employees at a bank. They also constantly try to steal money from you any place they can. They have absurdly high fees. They’ve straight robbed and stolen money and think it was justified. I never received proper disclosure of the fees and they tried claiming I should have known. They’re thief’s who are taking advantage of how big corporations are almost never held liable for that kind of con artist stunt.
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Amazing app!
If you’re looking for an app to do easy mobile banking, this is the one. Recently I had an issue with someone getting my information and using my card. I reported it to their fraud protection service and within a week I got my money back that was stolen. Besides things taking a little bit to load after clicking them, there are little to no issues!
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Response from developer
We appreciate the honest feedback! We're excited to hear your experience with us thus far has been a positive one!
Worst place for loan
Don’t ever use this bank. I had set up auto pay through the app. Payment didn’t go through as planned so i was late in payment because I didn’t notice. I called and they said that I didn’t set up auto pay. So i set it up again. Then they started taking 2 payments out . First month i let it slide thinking it was my fault. Happened again. I called and they said that it was my fault for setting up auto pay twice and that they wouldn’t refund money. Told me to cancel payment through my other bank. So i did that. Now they want payment back and additional 20$ for added fees.
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Response from developer
We are disappointed to hear that you experienced these difficulties. Can you please email nbtcares@nbtbank.com with more information so we can have this looked into for you?
Never again with NBT bank
They need to fix their whole system. There are constant problems every time I try to pay my loan through both the app and the site. First it was repeated log in issues and disconnects. Now it’s telling me I don’t have any accounts to pay even though it worked last month. Looking at the site to try to pay my loan, it tells me that my bank isn’t verified, but they managed to take my money just fine last month??? Next time I take a loan out and they tell me it’s NBT bank I’m just gonna have to tell them no thanks.
Nothing but problems since they decided to get rid of their previous online payment system a year ago.
Nothing but problems since they decided to get rid of their previous online payment system a year ago.
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Response from developer
We're sorry to hear you're having trouble with our app. We'd like the opportunity to investigate and resolve this for you. Please email us at nbtcares@nbtbank.com to start that process.
