NBT Bank

How to create and configure an authorized user in NBT Digital Banking.

Overview

NBT Bank allows you to grant access to your accounts by creating a Sub-User.

This is done through NBT Digital Banking, where you can:

• add a new user with their own login credentials
• choose which accounts they can access
• define what they are allowed to see and do by assigning basic service roles

You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

Bank terminology

Concept	NBT Bank term
Delegated user	Sub-User
Admin	Sub-User Administrator

Setup steps

1. Navigate to user management

Click the Cash Management tab in the top navigation menu.

Select Administration from the drop-down.

2. Create user

On the right side of the Sub-Users Administration screen, click the I want to drop-down menu and select Add A New Sub-User.

Enter the user’s details:

Field	Notes
Access ID	Required
Name	Required
SSN	Required
Email	Required
Sub-User Administrator	Required checkbox
Temporary Passcode	Required
Confirm Temporary Passcode	Required

Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.

3. Configure access and permissions

Under the “Access to Accounts” section, select an access level from the Basic Services drop-down for every account listed (e.g., Inquiry, Transfer In, Transfer Out).

4. Finalize

Review the setup and click the Submit button at the bottom of the page.

Important notes

If no account access is assigned, the user will see no data.

Use one user per account if separate connections are required.