The Bank Identification Number (BIN) 491496 is issued by NBT BANK, NATIONAL ASSOCIATION in UNITED STATES. This is a VISA DEBIT card with BUSINESS level.
BIN (Bank Identification Number), also known as IIN (Issuer Identification Number), refers to the first 6 digits of a payment card number. These digits identify the card-issuing institution, card type, and other attributes used for routing and fraud prevention.
By looking up BIN 491496, you can determine: the card network (VISA), whether it's a credit, debit, or prepaid card (DEBIT), the card level (BUSINESS), the issuing bank (NBT BANK, NATIONAL ASSOCIATION), and the country of issuance (UNITED STATES). This information is useful for payment processors, merchants, and fraud prevention systems.