Community Bank N.A. Routing Number: Complete Guide

What is the Community Bank N.A. routing number?

Community Bank N.A. uses routing number 022000046 for ACH transfers and direct deposits. Community Bank is one of the largest community banks in New York State, operating over 200 branches across New York, Pennsylvania, Vermont, and Massachusetts.

Community Bank N.A. is a subsidiary of Community Bank System, Inc., a financial holding company. The routing number 022000046 applies to accounts across the footprint, though accounts acquired through mergers may retain legacy routing numbers.

How to find your Community Bank routing number

The routing number is printed on the bottom-left corner of your Community Bank checks. It is the first nine-digit number, followed by your account number and check number.

You can also find your routing number through Community Bank online banking or the mobile app. Log in and navigate to your account details where the routing number is displayed. Customer support can also assist.

Community Bank wire transfers

To process a domestic wire transfer through Community Bank N.A., you will need the routing number, your account number, and the full name on the account. Contact your local branch to initiate wire transfers and confirm processing cutoff times.

For international wire transfers, you will need a SWIFT code in addition to the domestic routing number. Contact Community Bank customer service for international wire instructions and current fee schedules.

Community Bank direct deposit

Set up direct deposit by giving your employer routing number 022000046 and your Community Bank account number. Direct deposits are typically posted on the scheduled pay date.

Community Bank also supports ACH deposits for government benefits, tax refunds, Social Security payments, and pension distributions. You can manage recurring transfers through online banking.

Business banking with Slash

Community Bank N.A. provides strong regional banking services across the Northeast. For businesses looking for modern financial tools, Slash offers full ACH and wire transfer support, unlimited virtual cards, real-time expense management, and automated financial tracking.

While Community Bank delivers excellent community-focused service, Slash is designed for businesses that need digital-first operations — with multi-user access, spending controls, up to 2% cashback, and seamless accounting integrations.