Routing Number 221370399

Routing number 221370399 is assigned to Elmira Savings Bank, Fsb, a main office located at 333 East Water Street, Elmira, New York 14901. This nine-digit ABA routing transit number identifies Elmira Savings Bank, Fsb within the Federal Reserve's Unknown district for processing ACH payments, direct deposits, wire transfers, and check clearing.

The first two digits (22) indicate the Federal Reserve Bank of Unknown, digits 3-4 (13) identify the processing center, digits 5-8 (7039) are the institution identifier, and the final digit (9) is a checksum that validates the entire number using the ABA's modulus-10 algorithm.

To set up direct deposit with Elmira Savings Bank, Fsb, provide your employer with routing number 221370399 along with your account number. Your account number is separate from the routing number and can be found on the bottom of your checks (to the right of the routing number), in Elmira Savings Bank, Fsb's mobile app, or in online banking under account details.

You can verify this routing number on the bottom-left corner of any check from Elmira Savings Bank, Fsb, in the mobile app, or by calling 607-737-2589. Direct deposits using this routing number are processed through the Automated Clearing House (ACH) network and typically post within 1-2 business days.

Routing number 221370399 is registered for ACH transactions at Elmira Savings Bank, Fsb, including direct deposits, bill payments, payroll, and recurring transfers. ACH payments are processed in batches through the Federal Reserve and typically settle in 1-2 business days.

For domestic wire transfers, Elmira Savings Bank, Fsb may use a different routing number. Wire transfers are processed individually through the Fedwire system and settle same-day. Always confirm the correct wire routing number with Elmira Savings Bank, Fsb before initiating a wire — using an ACH routing number for a wire can cause the transfer to be rejected or delayed.

This main office of Elmira Savings Bank, Fsb is located at 333 East Water Street, Elmira, NY 14901. Elmira Savings Bank, Fsb operates in the Federal Reserve's Unknown district, which serves as the regional hub for monetary policy and payment processing in this area.