FIRST STATE BANK Routing Numbers in KY — Select City

FIRST STATE BANK Routing Numbers in KY — Complete City Directory

FIRST STATE BANK has 2 routing numbers across 1 city in KY, registered with the American Bankers Association (ABA) and the Federal Reserve E-Payments Routing Directory. BankZop's FIRST STATE BANK KY routing number directory is sourced directly from official ABA records and updated regularly — making it the most reliable reference for accurate routing numbers in KY.

Whether you are setting up direct deposit to a FIRST STATE BANK account in KY, registering for ACH bill payments, or initiating a domestic wire transfer, you need the specific routing number for the city where your account was opened. Select your city above to navigate directly to the correct routing number.

How to Find Your FIRST STATE BANK Routing Number in KY

• Step 1 — Select City: You are on the KY page. Choose your city from the list above. Use the search box to filter if needed.
• Step 2 — Select Routing Number: The city page lists all FIRST STATE BANK routing numbers for that location. Click the one that applies to your account.
• Step 3 — Copy: The result page shows the 9-digit routing number with a one-click Copy button, plus the bank name, address, city, state, ZIP, and phone number.

Alternatively, the FIRST STATE BANK routing number for your KY account is printed at the bottom-left of any personal check — it is always the first 9-digit sequence in the MICR line at the bottom of the check. You can also find it in your FIRST STATE BANK online banking under Account Details.

Why FIRST STATE BANK May Have Multiple Routing Numbers in KY

Large US banks like FIRST STATE BANK historically assigned routing numbers by Federal Reserve processing centre rather than purely by state. As a result, FIRST STATE BANK may have different routing numbers for different cities or regions within KY. Your routing number depends on which Federal Reserve office processed accounts when your branch was established — not necessarily your current ZIP code. This is why selecting your specific city is important when looking up the correct FIRST STATE BANK routing number in KY.

When You Need the FIRST STATE BANK KY Routing Number

Direct Deposit Setup

When setting up payroll direct deposit, IRS tax refunds, Social Security benefits, or any government payment to your FIRST STATE BANK account in KY, you provide the routing number alongside your account number. Use the city-specific routing number from BankZop — the one assigned to the location where your FIRST STATE BANK account was originally opened.

ACH Transfers and Bill Payments

ACH is the primary mechanism for electronic payments in the US — covering recurring bill payments, subscription debits, online banking transfers, and same-day payments. The NACHA network uses the routing number to route credits and debits to the correct financial institution. Standard ACH settles in 1–2 business days; Same Day ACH settles same-day for eligible transactions submitted before the cut-off.

Domestic Wire Transfers

Domestic wires settle in real time through the Federal Reserve's Fedwire system on the same business day. Important: FIRST STATE BANK may use a different routing number for wires than for ACH. Always confirm the correct wire routing number with FIRST STATE BANK's wire department before initiating a wire transfer from a KY account. For international wires, a SWIFT/BIC code is required — not the routing number. Find it at BankZop's SWIFT Code Lookup.

FIRST STATE BANK Routing Number vs Account Number in KY

Cities in KY with FIRST STATE BANK Routing Numbers

FIRST STATE BANK operates in 1 city across KY with ABA-registered routing numbers. Click any city to browse routing numbers directly:

Routing number counts reflect active ABA records as of Jun 2026. Data sourced from the Federal Reserve E-Payments Routing Directory.

To browse FIRST STATE BANK routing numbers in other states, visit the FIRST STATE BANK routing number directory. For all US banks, use the Routing Number Lookup homepage. For international transfers, use the SWIFT Code Lookup. For Indian bank transfers, use the IFSC Code Lookup.