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Digital Banking Users

Digital Banking is our new comprehensive financial tool that allows you to do all your banking from home. Look for an email from Five Star Bank to learn your transition date!

Login to new digital banking

NetTeller Business Users

We have successfully transitioned all of our personal banking customers over to Digital Banking. If you are a personal banking customer, please try the Login option under "Digital Banking Users" using your same login and password. Our business customers should continue to use NetTeller until their conversion- starting at 5:00 pm EST on Friday, May 29th.

If you have trouble accessing your online accounts, please contact the Call Center at (877) 226-5578.

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Five Star Cares

Together. Today. Tomorrow. Always.

During these challenging times, Five Star Bank would like to take a moment to let you know that we are here to help, as together we navigate the path toward a new tomorrow. At this time, our top priority is your health and safety. We have measures in place so we may operate safely and effectively while offering all of the comprehensive banking, investment, and insurance services you’ve come to depend on. 

We are committed to serving all your needs with the right advice and solutions to help you manage your finances in the face of this crisis. And as the situation unfolds, we will continue to dedicate ample resources to ensure your overall personal well-being and customer satisfaction, keeping you informed on everything we’re doing to support our customers, employees and community.

We promise to do our part by continuing to keep your financial well-being at the heart of everything we do. We have developed a series of solutions that we are putting in place to continue to support you and allow you to focus on your health and safety.

Consumer Financial Relief


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Effective Monday, March 23, 2020, and continuing through May 31, 2020, we will be:

• Waiving early CD penalty fees for withdrawals up to $20,0001
• Eliminating all insufficient funds (overdrafts) and returned item fees
• Eliminating all Pay by Phone fees
• Waiving all late fees
• Offering the opportunity for monthly mortgage, home equity loan or home equity line payment relief
• Offering the opportunity to defer unsecured consumer loans or lines of credit and secured consumer loans and lines of credit payments.
For more information on Consumer Financial Relief please contact your local Five Star Bank branch.

Stimulus Payments:



Now more than ever, it is critical to review your financial and investment plans to confirm your goals and objectives, and any changes to your life circumstances that need to be addressed. Similarly, it is critical that your assets continue to be properly protected. Our partners at Courier Capital, LLC, HNP Capital, LLC and SDN Insurance® will be in contact with you in the coming days to discuss how we can help you maintain your financial well-being.
1 Limited to one penalty-free withdrawal per CD account
2 Insurance and Investment products and services are not FDIC insured, are not a deposit or bank guaranteed, are not insured by any Federal governmental agency, and are subject to investment risks, including possible loss of the principal invested. Insurance products may be provided by SDN Insurance Agency, LLC, an affiliate of Five Star Bank. Investment products may be provided by Courier Capital, LLC, or HNP Capital, LLC, affiliates of Five Star Bank.

Updated May 8, 2020: At Five Star Bank, we are proud to have helped more than 1,000 small businesses across our footprint get Paycheck Protection Program loans, and we’re not done yet. While we are not accepting new applicants, we continue to process and submit applications to the SBA. We are proud to help small businesses get the funds they need to weather this crisis and support their employees and their families.  


Small Business Administration (SBA) Lending

Small businesses are critically important to our local economies and communities. At Five Star Bank our mission is to provide small business customers timely solutions that improve financial well-being — during these uncertain economic times, know we’re here to help with advice and solutions specific to the SBA relief programs, as well as other relief programs available through the CARES Act3.

The recently enacted CARES Act establishes the new Paycheck Protection Program (PPP), a federally guaranteed, low-interest loan program designed to provide small businesses access to capital for payroll and other overhead costs in order to keep their employees working. Funds are limited and subject to availability from the SBA.4

Five Star Bank, as a Preferred SBA Lender, appreciates the opportunity to partner with the Small Business Administration and the U.S. Treasury Department to help our customers in need.

Your business may qualify, if you:

  • Have up to 500 employees
  • Are a restaurant or hospitality business with up to 500 employees per physical location
  • Are a nonprofit, including 501(c)(3) organizations and 501(c)(19) veteran organizations, and tribal business concerns
  • Are an independent contractor or sole proprietor 
The following are considered covered expenses:
  • Payroll costs including salary/wages/commissions/tips, employee benefits, state and local taxes on compensation. For a sole proprietor/independent contract: wages, commissions, income, or net earnings from self-employment.
  • Interest on mortgage obligations, incurred before February 15, 2020.
  • Rent, under lease agreements in force before February 15, 2020.
  • Utilities, for which service began before February 15, 2020.
It will be helpful to have the following information available to complete your application5:
  • 2019 Payroll – total payroll for full year 2019, by employee, as reported to the IRS (i.e., Form 941)
  • 2020 Payroll – as of February 15, 2020—or closest date after that date, by employee
  • Documentation on your business’ payroll, mortgage, rent and utilities payments for the previous 12-month period
  • Complete 2019 financials, including the business’s profit or loss and balance sheet

Frequently Asked Questions

What are some of the loan features of the Paycheck Protection Program (PPP)?
  • Streamlined application requirements that can be completed online
  • No SBA fees
  • Low interest rate
  • Six months of deferred payments
  • Borrowers are eligible for loan forgiveness6 equivalent to what is spent on covered expenses during the eight-week period after the loan is originated
Are you still accepting Payroll Protection Program (PPP) applications?
  • While we’d like to help every small business, our focus will be on processing the previously submitted applications before funds are exhausted. At this time, we are not taking new applications, but will keep monitoring the availability of funds and may consider taking new applications in the future.
How do I know if I have been approved?
  • Great news! We’ll send you an email confirming that your loan amount was approved.
If I submitted my application and did not get notified by the Bank that I was approved - what should I do?
  • If you previously submitted an application that was not approved because funding was exhausted, please know that we have continued to process and review applications for submission to the SBA once additional funding became available. If additional information is required, including documents necessary to verify the amount you will be eligible to receive, we will reach out to you. Note: All loans are subject to requirements and availability of funds under the SBA program. Funds are limited.
Can I get more than one PPP loan?
  • No. Small businesses are limited to one PPP loan. Each loan will be registered under a Taxpayer Identification Number at the SBA to prevent multiple loans to the same entity. Owners with more than one business may apply for a separate loan for each entity.
Have more questions?
  • See: U.S. Department of Treasury Assistance for Small Business Fact Sheet here.


We recommend you review the latest SBA guidelines to ensure you know how you can use the loan proceeds and understand the latest requirements for loan forgiveness. These guidelines can be found at and 

3 Coronavirus Aid, Relief, and Economic Security Act
4 To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for information that will allow us to identify you, including such documents as state-issued driver's license or other identifying documents.
5 Applicants must provide documentation to Five Star Bank supporting how the loan amount was calculated in accordance with the Paycheck Protection Program Rule and the CARES Act, and Five Star Bank must retain all such supporting documentation in its files
The borrower will be responsible under the loan for any amounts not forgiven and the SBA may limit the time frame by which you’ll need to ask for forgiveness

Banking Today

Five Star Bank star logo

We continue to remain accessible to our customers during this temporary shift to a new normal. Customers can access us through our branch drive-thrus, via the web through NetTeller, via mobile devices through AirTeller or through our Call Center. Finally, our customers can access cash with no-surcharge fee through any of our branch ATM’s, as well as multiple alternative locations, including select Wegman’s, pharmacies, and convenience stores. You can find the closest surcharge-free ATM, as well as our closest branch,  by going to our locator page at and entering your zip code.
Customer Call Center: (877) 226-5578  Monday through Friday 7:30 AM to 7:00 PM and Saturdays from 8:00 AM to 2:00 PM

Health & Wellness Resources

heart symbolEqually as important as your financial well-being is your continued health and safety. Therefore, as the COVID 19 situation is constantly evolving, we are committed to helping to keep you informed. You can stay up to date with the latest information on health and safety guidelines and how the COVID-19 may impact you through these websites:


At Five Star Bank, we  will continue to do our best to ensure your well-being.  We are proud to be  your bank and thank you for the opportunity to serve you. Together, we will get through these challenging times.