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NBT Bank routing numbers

Find the correct numbers to set up payments, transfers and autopay in the US and worldwide.

Routing numbers are codes of between 8 and 11 digits used by NBT Bank and other banks to help financial institutions identify the location of your account. Called ACH, wire transfer and SWIFT numbers, they're used to process checks, set up autopay, make online payments and transfer money in the US and around the world. Learn how to find the exact routing number you need for your NBT Bank account.

Which NBT Bank routing number do I need?

The routing number you need to send or receive money through NBT Bank depends on whether your payment or transfer is domestic or international.
Transaction Type of routing number NBT Bank code
Payments and debits between US accounts ACH routing number 021303618
Wire payments between US accounts Domestic wire transfer number 021303618

NBT Bank ACH transfer routing number

The ACH routing number for NBT Bank is 021303618. Short for Automatic Clearing House, ACH numbers are unique to each bank in the US. The ACH number and your bank account number are used by banks and transfer apps like Zelle or Cash App to identify the exact account payments should be taken from and sent to.

NBT Bank wire transfer routing number

The routing number for US wire transfers through NBT Bank is 021303618. You can use this same number to receive international wire transfers to your NBT Bank account.

NBT Bank SWIFT code

The SWIFT code for international wire transfers through NBT Bank is . SWIFT codes are a unique combination of letters and numbers that identify specific banks and financial institutions around the globe. Codes indicate four pieces of information used to exchange money internationally between accounts:
  • The bank's name
  • Its country code
  • Its main headquarters
  • A particular branch

How to confirm the routing number for NBT Bank on your own

Look at a paper check associated with your NBT Bank account to find the routing and account numbers for your account.

Other ways to confirm the correct NBT Bank routing number include:
  • Call your bank. Your local NBT Bank branch or toll-free support line can provide you with routing numbers.
  • Sign in to your online account. Many online bank systems allow you to view the routing and account numbers from your customer dashboard.
  • Search Fedwire. Use your name, city or state to look up routing numbers for NBT Bank or double-check the one you have is correct.

Can routing numbers for NBT Bank change?

Yes. A bank may be assigned more than one routing number depending on its size and the number of states it services. While NBT Bank is headquartered in Norwich, services or branches in states outside of New York may require a different routing number. Confirm routing numbers with a NBT Bank agent if you're not sure.

Bottom line

Routing numbers help banks identify your exact account to make digital payments, transfer money and even process paper checks between branches, states and countries. Learn more about how NBT Bank and other financial institutions use these codes to manage your money in our guide to routing numbers.

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