NBT BANK LOCATIONS

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Code: 11 - Full Service Branch Office - Accept deposits, can make different types of loans, open and close accounts, loan officer is typically on site, normal hours, full-time banking staff. These office locations may or may not have safe deposit facilities on site, they can give loan and deposit rates. The branch location may be owned by the bank or may be leased by the financial institution.

Code: 23 - Limited Service Branch Office - Accept account deposits and loan payments but may not offer other services. May be found within a retail establishment like a mall or it may be drive-through banking branch.

Code: 21 - Limited Service Administrative Branch - This is a management office. Accepts no deposits and does not make loans.

Code: 12 - Full Service Retail Office - Accept deposits, make loans, open/close accounts, loan officer on site, normal hours, Give loan and deposit rates, located in a retail facility such as a supermarket or department store; may or may not have safe deposit boxes at this branch location.