Bank accounts

NBT Bancorp bank accounts complaints

Consumers have filed 85 complaints about NBT Bancorp's bank accounts, 31 in the last 12 months (+48%). NBT Bancorp answered 100% on time and closed 30% with relief. See the whole NBT Bancorp record.

NBT Bancorp against other banks & credit unions

#	Company	12 months	Change	On time	Relief	All time
1	Wells Fargo	10,017	+26%	100%	18%	63,467
2	JPMorgan Chase	9,525	+11%	100%	14%	59,224
3	Bank of America	9,008	+44%	99.3%	42%	61,514
4	Chime	8,327	+80%	99.9%	9%	20,914
5	Capital One	4,339	-43%	100%	7%	23,879
6	Block (Cash App)	3,838	+18%	99.3%	0%	9,390
7	Citibank	3,800	+11%	100%	35%	25,575
8	Navy Federal Credit Union	3,599	-66%	100%	33%	22,207
9	U.S. Bank	2,560	+49%	100%	19%	15,963
10	Truist	2,365	+33%	99.9%	11%	10,420
11	SoFi	2,324	+26%	100%	8%	5,234
12	PNC Bank	2,243	+48%	100%	14%	15,615
13	NBT Bancorp	31	+48%	100%	30%	85

Every bank ranked

Latest NBT Bancorp bank accounts complaints

Received	About	Issue	State	Answer	On time
Oct 21, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	PA	In progress	Yes
Oct 21, 2026	Bank accounts	Managing an accountDeposits and withdrawals	PA	Explained	Yes
Sep 30, 2026	Bank accounts	Closing an accountCan't close your account	PA	Explained	Yes
Sep 23, 2026	Bank accounts	Problem caused by your funds being lowNon-sufficient funds and associated fees	PA	Explained	Yes
Sep 9, 2026	Bank accounts	Problem caused by your funds being lowBounced checks or returned payments	NY	Explained	Yes
Sep 4, 2026	Bank accounts	Problem caused by your funds being lowOverdrafts and overdraft fees	PA	Money back	Yes
Aug 21, 2026	Bank accounts	Managing an accountProblem making or receiving payments	NY	Explained	Yes
Aug 14, 2026	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	NY	Explained	Yes
Aug 4, 2026	Bank accounts	Closing an accountCan't close your account	NY	Explained	Yes
Jul 10, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	ME	Explained	Yes
Jul 1, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	PA	Fixed	Yes
Jun 10, 2026	Bank accounts	Closing an accountFees charged for closing account	NY	Explained	Yes
May 21, 2026	Bank accounts	Managing an accountDeposits and withdrawals	PA	Explained	Yes
Apr 15, 2026	Bank accounts	Managing an accountBanking errors	NY	Fixed	Yes
Apr 15, 2026	Bank accounts	Managing an accountBanking errors	NY	Fixed	Yes
Apr 15, 2026	Bank accounts	Managing an accountProblem accessing account	NY	Fixed	Yes
Apr 15, 2026	Bank accounts	Managing an accountBanking errors	MA	Fixed	Yes
Apr 15, 2026	Bank accounts	Problem with a lender or other company charging your accountMoney was taken from your account on the wrong day or for the wrong amount	NY	Fixed	Yes
Apr 15, 2026	Bank accounts	Managing an accountBanking errors	NY	Fixed	Yes
Mar 19, 2026	Bank accounts	Problem with a lender or other company charging your accountTransaction was not authorized	NY	Explained	Yes
Mar 10, 2026	Bank accounts	Managing an accountProblem using a debit or ATM card	PA	Explained	Yes
Feb 4, 2026	Bank accounts	Closing an accountCompany closed your account	NH	Explained	Yes
Feb 1, 2026	Bank accounts	Managing an accountProblem accessing account	PA	Explained	Yes
Jan 8, 2026	Bank accounts	Managing an accountProblem accessing account	-	Explained	Yes
Dec 31, 2025	Bank accounts	Problem caused by your funds being lowOverdrafts and overdraft fees	NY	Explained	Yes
Dec 29, 2025	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	NY	Money back	Yes
Dec 22, 2025	Bank accounts	Managing an accountFunds not handled or disbursed as instructed	NY	Explained	Yes
Dec 14, 2025	Bank accounts	Managing an accountProblem using a debit or ATM card	NY	Explained	Yes
Dec 11, 2025	Bank accounts	Managing an accountProblem using a debit or ATM card	NY	Explained	Yes
Nov 19, 2025	Bank accounts	Problem caused by your funds being lowOverdrafts and overdraft fees	CT	Explained	Yes

Your rights with banks & credit unions

For electronic transfers and debit cards, Regulation E gives you 60 days from the statement to report an error or unauthorized transaction; the bank must investigate, generally within 10 business days or give provisional credit while it takes longer. Reporting a lost card quickly limits what you can lose. Deposits at insured banks are protected up to $250,000 by the FDIC (credit unions by the NCUA).

Scam warning: Banks do not ask you to move money to a "safe account", and a bank employee will not ask for your password or one-time code. If a caller says they are from your bank, hang up and call the number on your card.

General information, not legal advice; rules vary by state. Plain-English guides

Talk about NBT Bancorp

No comments yet. Start the conversation - questions are welcome too.

Complaint records are public consumer complaints filed with U.S. regulators, checked 12 minutes ago (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works