NBT Bank provides a range of financial services to individuals, small businesses and commercial organizations. The bank offers checking, savings and money market accounts, certificates of deposit, check cards and mortgage programs. Its lending capabilities include personal, term and home equity loans, letters of credit and time notes. NBT Bank assists businesses with cash management activities, such as sweep accounts, lockbox services and controlled disbursement. The bank features investment management, wills, trusts, employee benefit plans, tax preparation and estate and retirement planning. Its online module enables clients to access accounts, pay bills and customize financial services. NBT Bank delivers its products and services through more than 80 offices and 100-plus automated teller machines in New York. The bank is a member of the Federal Deposit Insurance Corporation. It is a subsidiary of NBT Bancorp. NBT Bank has a location in Canajoharie, N.Y.