Card Expert SM Enhances Debit Card Portfolio Growth and Improves Operational Efficiency Client StoryClient Profile NBT Bank is an independent, community bank based in Norwich, NY. The bank offers personal banking, business banking and wealth management services from locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. NBT Bank’s parent company, NBT Bancorp, has assets of $11.5 billion. Challenge NBT Bank’s focus on expanding its debit card portfolio has helped it maintain a strong deposit base. The bank wanted to continue its strong growth orientation while also efficiently producing management reports for internal use, card associations and compliance reviews, including the Consumer Financial Protection Bureau. Solution NBT Bank i

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