NBT Bank User Reviews

NBT Bank
NBT Bank
NBT Bancorp, Inc.

Customer Experience

Positive experience46.6% of reviews
Neutral8.8% of reviews
Negative experience44.6% of reviews

~ Based on 204 written reviews from the US App Store.

What users say

Is NBT Bank Safe?

NBT Bank appears safe based on user ratings. AppsHunter Safety Score for NBT Bank is 94/100.

This assessment is based on 37,912 user ratings, with an App Store average of 4.7/5.

Safety Analysis

92.4% of ratings point to a safe experience
3.1% of ratings suggest some concerns
4.5% of ratings point to a risky experience

~ Based on 34,810 App Store ratings for NBT Bank.

Is NBT Bank Legit?

NBT Bank appears to be a legitimate app. AppsHunter Legitimacy Score for NBT Bank is 90/100.

Based on 90 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Horrible app/loan company

Possibly the worst app ever created! They make it so hard to make an account, set up automatic payments.!! It’s brutal!! Do not use these people if you don’t have to.

Owner

Nbt is great

Nbt

This app is so easy to use I have no bad things to say

It sucks

This app is down or having issues way too often.
I have personal and business accounts and my operations are adversely effected when I can’t move money
If I could give negative stars I would.
I’m also looking for another bank because of it.

Awful

Only have this to pay my auto loan, the UX is awful and outdated. Making payments is far more complicated than it should be

Banking withthe NBT app

NBT is great in personand banking. The app is adequate but it could be improved even with something as simple as the speed it takes to move between pages. Though the app is slower than other banking apps, it does get the job done. But no one beats the actual staff at the physical bank.

Not Evans any more

And I thought that Evans Bank couldn’t be improved. Oh boy, was I wrong. NBT is even better!

horrible

not just the app, NBT bank sucks

Very easy interface

Easy to use, clear and consistent

If the bank was better I’d rate it higher

Maybe try harder to keep customers lol

Clinton Bank

10 Star

Excellent app!!

Easy to use and efficient, full functionality

great bank

❤️ all the local staff.

Can’t count

This bank app is always wrong. And they can’t count on weekends.

Awful

This app is absolute trash and rarely ever works.

Banking withthe NBT app

NBT is great in personand banking on their app is adequate but it coule be improved with speedier resolution getting to or moving between pages. It can be slow butit does get the job done albeit not as smoothly or elegantly as Wells Fargo, etc.

So slow

This app is so slow to open and then once you’re in, it’s so slow to do anything. It will glitch and kick me out.

Just don’t bother.

’ve been a longtime NBT customer, but I think it may finally be time to move on.

My biggest frustration is the overdraft system. There have been multiple times where my account went negative temporarily, but I transferred money into the account the same day, sometimes even before 8PM, and still ended up with overdraft fees. Other banks I use are much more understanding with small timing issues or temporary shortfalls and often don’t charge fees at all in situations like that.

Another issue is not being able to use my debit card or withdraw money during certain late night hours, especially on Saturday nights between roughly 10 PM and 1 AM. In today’s world, that feels outdated and inconvenient.

What’s also frustrating is the inconsistency. Sometimes payments are returned, sometimes they aren’t. Sometimes transfers seem to count, and other times they don’t. If multiple charges hit, the fees add up quickly at $35 each. The only way to get a fee waived is to call the local branch, and even then, they usually can only remove one.

I’ve kept my NBT account because many of my automatic payments come out of it, and I do appreciate having a local bank where I can easily deposit or withdraw cash. I also want to say that I genuinely like the employees at the Deposit branch. They’ve always been kind and helpful.

That said, I think NBT needs to catch up with the times, improve the app, modernize the system, and create more customer friendly policies. Longtime customers should feel valued and supported when small issues or hiccups happen. When their system went down for two or three days and people couldn’t access their money or use their debit card, they had payments returned, declined, and even late payments from those other businesses. They didn’t do anything to help those customers, but if I’m short two dollars because my car payment came out and then I transferred the money over and I still get hit with a $35 fee. It’s just extremely frustrating.
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Great job new bank

Very happy how you handled the transition. Keep up the good work.

Thank You

Fayetteville Branch IS one the Best in customer service!! It is OUTSTANDING!! Thank you Michelle and the Team! Love NBT