Routing Number 021309638

Routing number 021309638 is assigned to Nbt Bank, N.a., a main office located at 51 South Broad St, Norwich, New York 13815. This nine-digit ABA routing transit number identifies Nbt Bank, N.a. within the Federal Reserve's New York district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (02) indicate the Federal Reserve Bank of New York, digits 3-4 (13) identify the processing center, digits 5-8 (0963) are the institution identifier, and the final digit (8) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Nbt Bank, N.a., provide your employer with routing number 021309638 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in Nbt Bank, N.a.'s mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from Nbt Bank, N.a., in the mobile app, or by calling 800-628-2265. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 021309638 is registered for ACH transactions at Nbt Bank, N.a., including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, Nbt Bank, N.a. may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with Nbt Bank, N.a. before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of Nbt Bank, N.a. is located at 51 South Broad St, Norwich, NY 13815. Nbt Bank, N.a. operates in the Federal Reserve's New York district, which serves as the regional hub for monetary policy and payment processing in this area.