Sweet Simone's Richmond

Sweet Simone's Richmond

Sweet Simone's Richmond

Sweet Simone's Richmond

How to Get Business
Done in Vermont

NSB is the largest local bank in Vermont. That means you can be certain that each one of our bankers knows what it takes to get business done. We have more than 155 years of experience in building and growing Vermont business. Find out what we can do for you.

When You Have Challenges We Can Solve Them

Technology is an integral part of doing business today. Risk management should be a critical part of your business, including controls for fraud and cyber security. Click here for tips and resources to help assess your risk and avoid vulnerabilities.

Onsite or On the Go Employee Banking Services

Planning for the future—including the future of your employees—is an important part of a business plan. Our Business and Investment teams help you manage the services that matter to your employees, contributing to a healthy organizational culture and long-term retention. With Northfield Savings Bank as your partner, your employees will benefit today and in the years to come from options such as retirement plans, Health Savings Accounts, direct deposit, and money management.

Flexible Banking Services

Whether you’re out in the field, on the go, at a desk, or all of the above, the flexibility to meet your needs is our hallmark. NSB offers a full suite of services and products to help simplify business operations such as transmitting payroll, collecting rent or fees, preventing check and ACH fraud, and conducting wire transfers. We also offer Remote Deposit Capture, the fastest, greenest, easiest way to deposit checks. You’ll no longer need to deposit slips, photocopy checks, or visit the bank.

Customized Solutions for Specialized Needs

From deposits to lending, the ability to nimbly and effectively meet your banking needs is a cornerstone of what sets Northfield Savings Bank apart. Just like we do with customers ranging from renewable energy providers and real estate developers, to retail businesses, manufacturing, and beyond, NSB will be your partner and advocate, providing customized solutions for your unique needs.

Range of Capabilities

At NSB, our streamlined and thoughtfully developed products and services are for enterprises of any size or business stage. From large to small, well established to just launched, all kinds of businesses benefit from working with our seasoned and knowledgeable Business Banking team. Large enough to handle the needs of any-size enterprise, our team is also able to be individually invested in your business and bring a personal, attentive, and local touch.

Frequently Asked Questions

How do I know if I’m being targeted by a scam? Or if I have been scammed?

Use the checklist below to determine if you may be vulnerable to fraud. If you answer "yes" to any of the questions, consider investigating further:

  • Do you question whether an online transaction may be fraudulent?
  • Is someone trying to give you money you weren't expecting?
  • Do you wonder if the currency you receive is real or counterfeit?
  • Have you been asked to cash a check and wire funds back to the sender?
  • Are you ever concerned about current fraud issues?

Click here to to learn more about fraud prevention.

How do I protect my balances? How does FDIC coverage work?

The FDIC—short for the Federal Deposit Insurance Corporation—is an independent agency of the United States government. The FDIC protects depositors of insured banks located in the United States, including NSB, against the loss of their deposits if an insured bank fails. FDIC insurance covers depositors' accounts at each insured bank, dollar-for-dollar, including principal and any accrued interest through the date of the insured bank's closing, up to the insurance limit. Learn more at

What are collected funds?

Collected Funds are cash deposits or checks that have been presented for payment and for which payment has been received. Contrast this to uncollected funds, which is a portion of a deposit balance that has not yet been collected by the depository bank.

Do you offer government banking services?

Yes, we are committed to supporting local government and institutional entities by offering various financing options to cover operational costs, including tax anticipation notes, capital expense loans and lines of credit.


These common terms may be helpful as you bank with NSB. Questions? Contact a Business Banker.

ACH (Automated Clearing House)

The online capability to electronically collect funds or make payments from or to business or personal accounts at a U.S. financial institution, usually with next day settlement.1

Cash Management

Secure online banking tools to help simplify business processes, such as transmitting payroll and conducting wire transfers.

Collected Funds

Cash deposits or checks that have been presented for payment and for which payment has been received. 2

Remote Deposit Capture (RDC)

Account holders deposit and scan checks using a supported desktop scanner and secure Internet connection to submit deposits electronically. RDC systems verify image quality before checks are released to the bank. Complete deposit information and images are available through online reporting. 1

Wire Transfer

Enables parties to send funds or receive funds securely from one bank to another with specific instructions for payment and settlement. Wires are direct, immediate, bank-to-bank transfers through the Federal Reserve System. 1