Final Version for Review…read more I've banked for over 30 years with institutions such as Bank of America, Capital One, and JPMorgan Chase. This was my first experience working with a smaller regional bank, and it has been very different from what I'm used to. When I was buying a business in Vermont, I took a loan through National Bank of Middlebury. As an out-of-state buyer, I relied on local recommendations and expected a smooth process. However, the loan application was slow and grueling, taking much longer than I had anticipated. A few years later, I applied for another business loan, and it took only two weeks to complete the entire process -- a stark contrast to my experience with NBM. In addition to this, I've experienced repeated delays with ACH payments and outbound transfers. Transfers into NBM process quickly, but transfers out are often significantly slower than what I've experienced with larger institutions -- often taking up to two weeks. Most recently, after selling my home, a payment issued through NBM still hasn't cleared a week later. By comparison, I've moved similarly large sums from major banks, and the funds were available the next business day. Even after depositing the NBM payment into my non-NBM account, I deposited a similar sum, and it cleared within 24 hours. One other significant issue has been the bank's outdated security measures, which feel archaic compared to what I've experienced with other banks. This has made certain processes more difficult than they should be, especially when dealing with electronic transactions or interbank transfers. While I understand that many long-time local customers may be satisfied with NBM's services, my experience has been frustrating, especially when compared to the speed and efficiency of larger institutions. Based on my experience, I would not choose a small regional bank again.

Im not sure what they changed but my card has been getting decliend and locked when using it for…read morerandom purchases. Cat food at the local pet mart? declined and locked. Payment online to best buy? Declined and locked. They started using a 3rd party security group. So you have to call them first. Cards still locked. Have to call up bank of middlebury after and have them unlock it on their side. Get your card locked once and you seem to enter into this limbo start of getting locked. Is it any better than a big bank? I don't know anymore

You were a friendly useable C. u Now nothing works, I get…read morestrange people on the phone, can not do direct deposit. I'm looking into moving on

Vermont Federal has been spectacular to work with. Those people in this credit union work their…read moreguts out. They got my application in for the PPP program for small businesses during the COVID-19 crisis and approved hours before the PPP was shuttered early. And today I was funded, in just a few business days. They accomplished the impossible. I'm so grateful.

This branch of citizens is amazing like all citizens branches. I stopped by Middlebury after a year…read moreor so I felt like was have always been there. They really do help their customers. Great staff and helpful people. Any questions they r always willing to help.

I used CNB from 2001 until late 2010, had multiple checking and a savings account with them, and…read moreheld a mortgage with them from 2006-2010. I only left after having moved 700+ miles away, and even THEN it took me two years before I finally closed my accounts. From the tellers to the loan officers, I always had such great service, and they really offered a full suite of online banking services for most of the years that I held these accounts. I've since switched over to a large, national bank in a metro area, and REALLY miss the personalized service I always got from CNB!!

Everything goes really well when we go to the bank everyone's really kind and friendly. My husband…read moreis older and they take their time explaining things to him and they don't rush us to the bank like we're just nothing like we actually like family that they really care about our banking business and

For some reason this bank has been unable to provide the executor of the decedent's account with…read morechecking account statements needed for a Probate Inventory. Months have gone by. Was told the account was purged from their system?? A request to send the information to the Executor has been ignored despite providing them with a death certificate and Probate Court Notice of Appointment of Executor. I'd love to understand what is going on.

Friendly local bank withOUT a ton of red tape. Welcoming and neighborly staff - Carol…read more VT emphasizes LOCAL everywhere to sustain their economy but they don't Focus on customers like they should. You get the feeling that they just see you as a $$ign. This NBT though is not the ubiquitous VT local because they have Carol. She really had the true sense of Local - treating customers like her neighbors! Very refreshing and for the first time this season I felt more than just $ to VT retailers and farmers. About a month ago, I decided to visit Montreal last minute and needed to exchange USD to Canadian currency. I don't have a local bank and my banks didn't have exchange capabilities in VT. When I called around, I found out that many local banks only provide the service for their members or charge extra (a lot) for the service. More hassle and nickel and diming. Not so at NBT and Carol was so helpful - fair exchange rate and no nickel and diming. When I got there the next day, she came by and said "hello". This is VT I remember and Carol was very welcoming! The exchange was pleasant and I was so happy that I told how great NBT is to everyone that week! At the end of the day, it's about people who make the difference. NBT is lucky to have Carol Costello and I am grateful she helped me. She gets the real meaning of what it is to support Local and has Customer Service down!

Yeah NBT does NOT exchange foreign cash of any kind. If your a customer they will send it out I was…read moretold. Then I'd have to wait for however long to get my cash back... UHM NO THANKS

Got there on a Sunday afternoon a few weeks ago and the cash machine was down. There was only one…read moredrive-through and nothing in the bank. Seriously, TD? How is this service? It wouldn't be a problem if the banks weren't 20 miles apart!

I've never been lied to by a bank before. A simple cash deposit and the questions start. Confirm…read moreyour address, etc. If you ask why is this necessary, they are trained to lie. Then they act smug like they either don't care that you know they're lying, or they start playing the sugary sweet crap to insult you further.