NBT Bancorp

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NBT Bancorp Inc. is a financial holding company that offers a wide range of banking and financial services to individuals, businesses, and institutions. Some of the main products and services offered by NBT Bancorp include:
1. Personal Banking: NBT Bancorp offers a variety of personal banking products, including checking and savings accounts, money market accounts, certificates of deposit, and individual retirement accounts.
2. Business Banking: NBT Bancorp provides a range of services for businesses, such as business checking and savings accounts, cash management solutions, merchant services, business loans, and lines of credit.
3. Mortgage Loans: NBT Bancorp offers mortgage loans for home purchases, refinancing, and construction. They also offer home equity loans and lines of credit.
4. Investments and Wealth Management: The company has a team of financial advisors who can assist clients with investment strategies, retirement planning, trust and estate services, and other wealth management solutions.
5. Insurance Services: NBT Bancorp has partnerships with various insurance companies to offer a range of insurance products, including life, home, auto, and business insurance.
6. Online and Mobile Banking: Customers can access their accounts and manage their finances conveniently through NBT Bancorp’s online and mobile banking services.
7. Credit Cards: NBT Bancorp offers a variety of credit cards with different rewards and benefits for both personal and business use.
8. International Banking: NBT Bancorp offers international banking and trade services to help businesses with their global financial needs.
9. Education Savings Accounts: The company offers tax-advantaged education savings accounts, such as Coverdell Education Savings Accounts and 529 college savings plans, to help families save for their children’s education.
10. Retirement Services: NBT Bancorp provides retirement services for small businesses, including 401(k) plans and other retirement savings options. They also offer individual retirement accounts and rollover services.