Five Star Bank Routing Number: Western New York Banking Guide

What is the Five Star Bank routing number?

Five Star Bank's routing number is 022303023. This routing number is used for all Five Star Bank accounts across western New York, including personal and business checking, savings, and money market accounts.

Five Star Bank is a community bank headquartered in Warsaw, New York, with branches throughout the Rochester and Finger Lakes regions. A subsidiary of Financial Institutions Inc., it has served upstate New York communities for over 200 years.

Finding your Five Star Bank routing number

Routing number 022303023 is printed on the bottom-left of your Five Star Bank checks. You can also find it through online banking at five-starbank.com, the Five Star Bank mobile app, or by calling customer service.

The 022 prefix identifies Five Star Bank within the Federal Reserve Bank of New York processing district, which handles transactions for banks headquartered in New York State.

Direct deposit and ACH payments

Provide routing number 022303023 and your account number to your employer to enroll in direct deposit. Five Star Bank processes payroll, Social Security, pension, and tax refund deposits through the ACH network.

ACH bill payments and external transfers can be set up through Five Star Bank's online banking platform. Incoming ACH deposits are processed without additional fees to the account holder.

Wire transfers at Five Star Bank

For domestic wire transfers, use routing number 022303023. Outgoing wires can be initiated at any Five Star Bank branch. Incoming domestic wires are credited to your account the same business day when received before the processing cutoff.

International wire transfers require additional details including a SWIFT code. Contact Five Star Bank's customer service team for the correspondent bank information needed for international incoming wires.

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