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Digital Banking

We have transitioned all of our customers over to a new digital experience - Five Star Bank Digital Banking. This new comprehensive financial tool allows you to do all your banking from home or on-the-go.

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Five Star Cares

Together. Today. Tomorrow. Always.

Five Star Bank is here to help, as together we navigate the path toward a new tomorrow. 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.


Consumer Financial Relief


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Our consumers and communities continue to face unprecedented challenges due to the COVID-19 (coronavirus) pandemic. Those still experiencing financial hardships because of the pandemic are encouraged to contact us at (877) 226-5578 so we can work to find the best solutions for you.

Additionally, through July 8 , 2020 we will be:

• Eliminating all insufficient funds (overdrafts) and returned item fees
• Eliminating all Pay by Phone fees
• Waiving all late fees
NOTE: The dates for the hardship assistance may be extended without further notice.

Stimulus Payments:

Individuals who have previously established a direct deposit for their tax filings or completed the form for the Economic Impact Payment should have received their stimulus payment deposited directly into their account on file. The IRS is now working to distribute all pending Economic Impact Payments in weekly increments up until the week of September 11th, 2020. The amount and timeframe for your Stimulus Payment is determined by the IRS.


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® are available to help you maintain your financial well-being. Contact our trusted partners directly:

1 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.

Small Business Administration (SBA) Lending

Five Star Bank is encouraged to see our communities and small businesses begin to re-open under “New York Forward”. We are continually impressed by the resilience and dedication of our small business owners to their employees and communities.
As of now, we are not accepting requests for forgiveness. It’s important that you take the time to focus on your business and document your PPP spending through your Covered Period2. We anticipate starting to accept forgiveness requests by mid-August and will email you when you can start the forgiveness process
Monitor this page for the very latest forgiveness updates or contact your Business Banking Relationship Manager.
The Covered Period is either:
  • The 24-week (168-day) period beginning on the PPP Loan Disbursement Date, or
  • The 8-week (56-day) period beginning on the PPP Loan Disbursement Date if you received your PPP loan before June 5, 2020 and elect to use an eight-week (56-day) Covered Period. 
For example, if you are using a 24-week Covered Period and received your PPP loan proceeds on Monday, April 20, the first day of the Covered Period is April 20 and the last day of the Covered Period is Sunday, October 4.
The Covered Period cannot extend beyond December 31, 2020.

Banking Today

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The safety of our customers and employees remains our top priority. To ensure a safe environment while still providing great service, our branches will remain open as drive-thru and by appointment for the time being. As we continue to monitor reopening, please call your local branch to schedule an appointment if you need to enter the branch. For more details about our re-entry plan, visit:
With Digital Banking, customers can access their Five Star Bank accounts from their computer or mobile device. 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


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.