I've done my banking at PNC Bank and I haven't had any problems. The people work at the bank are…read moregreat.

I took out a large loan for a medical procedure. I set up an auto-debit from my bank account so I…read morewouldn't have to worry about it. Twice in the year, they deducted 2x the monthly payment. Because the payments were so large, for the first time in 20 years of banking, I received a bounced check fee. I finally decided to take out a home equity loan to pay the whole thing off. Recognizing that I could run into issues again, I paid the current month's payment ahead of my bank paying off the total payoff amount. I received a call today saying I'm overdue for 18 days on my payment. I explained that my bank paid off the amount. They claim they haven't received the check but when they do, they will as a courtesy, wave the $5 late fee. Both NBT Bank and my bank say it's the other's fault and somehow I have to pay for their mistakes. How generous of them to wave a $5 fee when they're making thousands off my loan. Never again. If you do have to take a loan with NBT Bank, do yourselves a favor and don't set up the autopay through them. Do it through your own bank.