NBT Bank employs a layered approach to online and mobile security. Monitoring will extend beyond a unique username and password, enhanced authentication, encryption and browser requirements. We have additional security measures that may be activated in response to certain activities or events through our ongoing monitoring efforts. If your online behavior looks out of the ordinary from your usual activities, we may restrict online account access or prevent certain types of transactions.
If your NBT Bank Debit Card transactions appear out of the ordinary or out of your normal geographic location, transactions could be restricted to help protect your account from unauthorized charges. If you are traveling domestically or internationally please be sure to notify NBT Bank of your travel plans.
These measures help safeguard your personal and account information. Further verification could be required in order for the transaction to be processed.
In addition, under federal law, Regulation E (Electronic Fund Transfer Act) provides certain protections to customers when there is unauthorized account activity. Regulation E covers electronic fund transfer activity through a checking, savings, or other consumer asset account at a financial institution used primarily for personal, family, or household purposes. Should you notice unauthorized account activity please contact NBT Customer Service or your local NBT Bank office to dispute those charges.