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Digital Banking

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public & municipal banking

We know where you’re coming from.

We’re from here, too.

When it comes to serving the financial needs of a municipality, there’s no substitute for local knowledge, resources, and support. Our municipal banking team develops custom, comprehensive solutions for small- to mid-sized municipalities to help increase operational efficiencies, manage funds more effectively, or provide value on interest-bearing deposits. And with locally based decision-making, you can count on our responsive customer service being second to none, too.

  • Five Star Bank strives to provide outstanding customer service and competitive rates on your investments and borrowings
  • We specialize in small- to mid-sized municipality management
  • On-site conversion assistance is provided
  • Active bidder on municipal certificates of deposit


  • Municipal Checking, Money Market Accounts and Certificates of Deposit
  • Collateralization of Deposits
  • Cash Management Services
  • Merchant Services
  • Municipal Credit Cards
  • Municipal Insurance Program (through SDN Insurance®)

Municipal Lending Program

Five Star Bank actively supports New York State municipalities with their needs to borrow money. The Bank invests in debt issued by counties, towns, cities, villages, schools and fire districts. Five Star Bank invests money into communities each year through the purchase of bonds issued and sold through various Wall Street firms, and by the origination and closing of debt directly with various municipal issuers. If you need to issue Bond Anticipation Notes or Statutory Installment Notes, please contact us directly.

Contact your local branch or a Municipal Representative to learn more about our Municipal products and services

Come join the Five Star Bank team!

See career opportunities.