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How to protect 16 NBT Bank accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Customer Service / Death Claims
NBT Bank, PO Box 351, Norwich, NY 13815
NBT Bank offers 16 consumer accounts that interact with estate planning in distinct ways. Of those, 12 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
NBT Bank handles beneficiary designations in branch and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
NBT Bank provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
How to update beneficiaries in-branch, fund a trust in-branch, and review 16 account types at NBT Bank.
View details →When someone dies
12-step process, 6 required documents, and contact information for survivors.
View details →NBT Bank operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Yes. Visit an NBT Bank branch with your trust agreement or Certification of Trust and government-issued photo ID. A banker will help you retitle the account to your trust. You will also need the trust's tax identification number (EIN or your SSN for a revocable trust). Review any existing POD designations, as trust-titled accounts pass according to the trust terms.
IRAs cannot be titled to a trust. However, you can name your trust as the beneficiary of your IRA. Contact NBT Bank to update your IRA beneficiary designation. Consult a tax advisor before doing this, as there are significant tax implications for distributions to trust beneficiaries under the SECURE Act.
Yes. NBT Wealth Management has nearly a century of experience serving as trustee and executor for families. NBT can serve as executor of your estate, trustee of your revocable or irrevocable trust, and administrator of special needs trusts. Contact NBT Wealth Management at 1-866-952-1050 for more information.
NBT Bank offers investment and insurance products through NBT Investment Services, with securities and advisory services provided by LPL Financial (member FINRA/SIPC). Products include mutual funds, annuities, managed accounts, and retirement planning. NBT Wealth Management also provides institutional investment management and trust services. Contact your local branch or call 1-800-628-2265 for a referral.
Customer Service / Death Claims
NBT Bank, PO Box 351, Norwich, NY 13815
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