Direct deposit, payroll, and ACH transfers
Listed in public data but not yet confirmed — verify before you use it. Always confirm with the bank before you send money.
221 381 003 is the number for direct deposit and ACH transfers (cross-checked against public directories, not confirmed by the bank).
Cross-checkedNCUA 5300 Call Reportchecked June 28, 2026Direct deposit, payroll, and ACH transfers
Listed in public data but not yet confirmed — verify before you use it. Always confirm with the bank before you send money.
These appear for Finger Lakes Health Care in public routing data but haven't met our cross-check bar — treat them as leads, not answers. Don't use one without confirming it with Finger Lakes Health Care first.
Where to look: a check, online banking, the mobile app.
221 381 003 is the number for direct deposit and ACH transfers (cross-checked against public directories, not confirmed by the bank). The 9-digit routing number identifies the bank on a transfer; your account number identifies you.
Your routing number is the first 9 digits in the bottom-left of a Finger Lakes Health Care check, or in your online and mobile banking under account or routing details. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.
Finger Lakes Health Care is a credit union headquartered in Elmira, NY.
Every number passes the standard ABA checksum. fin.codes is an independent reference, not a bank — always confirm transfer details with Finger Lakes Health Care before sending money.
No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Finger Lakes Health Care.