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Other Personal Banking Services

In today's fast-paced world, few of us can afford to waste time or money. Tioga State Bank offers ATM/Debit Card Services and 24 hour Xpress Telephone Banking access for your convenience.

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Tioga State Bank ATM/Debit Card - It's Free!

Use your Tioga State Bank ATM/Debit Card to:

  • Obtain cash withdrawals
  • Transfer funds
  • Obtain account balance information
  • Purchase goods
  • Pay for services

There are no fees when you make purchases with the Tioga State Bank ATM/Debit Card. Customers using Tioga State Bank ATM/Debit Cards at Tioga State Bank terminals will not be assessed any fees for cash withdrawals. However, there may be a fee for any withdrawal or transfer made at a non-Tioga State Bank ATM.

MasterCard® SecureCode®

Be even more confident when you shop online with MasterCard SecureCode. A private code means added protection against unauthorized use of your card when you shop online at participating merchants. To register for this free service, click here, and follow the simple steps.

Guidelines for MasterCard Debit Card Usage

US merchants are not required to accept your MasterCard Debit Card for signature-based transactions. Below are the guidelines you should follow when making signature-based purchases with your MasterCard Debit Card:

  • Swipe your MasterCard Debit Card at the point-of-sale terminal and choose CREDIT. Keep in mind some point-of-sale terminals may prompt you for a PIN immediately. If this happens, you should be able to hit CANCEL and the CREDIT option should then be available.
  • Sign the receipt.
  • If you do not have the option of choosing CREDIT, choose DEBIT and enter your PIN.
  • If your Card is denied after trying both signature-based and PIN-based transactions, it could mean that this particular merchant may not be associated with any ATM networks accessible through your Card, or this particular merchant may not accept MasterCard Debit Cards. If this should happen, use an alternate payment method.

Enjoy the convenience of using ATMs but remember to use precautions and common sense:

  • Keep the PIN you use with your ATM/Debit Card a secret.
  • Don't write your PIN on your card or on a piece of paper you keep with the card.
  • Choose a well-lit ATM, especially if you use the ATM after dark.
  • Don't withdraw too much cash at one time. Take only what you need.
  • Stand directly in front of the machine to prevent someone from seeing your PIN as you enter it.
  • Leave immediately if you become suspicious for any reason while using an ATM. Note that PIN reversal is not a valid security option at ATMs.
  • Don't leave your receipt at the ATM location.
  • Notify your financial instituion immediately if your ATM/Debit Card or PIN is lost or stolen.

If your Tioga State Bank ATM/Debit Card is lost or stolen, notify Tioga State Bank immediately by calling our Customer Service Center at 1-888-303-(4TSB) 4872.

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Xpress Banking 24-Hour Telephone Access - It's Free!

You can bank with us 24 hours a day. All of our customers have 24-hour access to accounts with Xpress Telephone Banking by calling 1-800-523-4TSB (4872) or 607-589-7085, locally.

Xpress Banking is your connection to Tioga State Bank, giving you immediate access to the information you need most often.

With Xpress Telephone Banking you can quickly and easily:

  • Make account balance inquiries
  • Verify transactions on your account
  • Verify Social Security deposits
  • Verify other electronic funds or ATM transactions
  • Make transfers and loan payments*

*You must complete an Xpress Funds Transfer Set-up Request to make transfers and/or loan payments. Start the process by clicking here. This will link you to the Xpress Funds Transfer Set-Up Request Form. (Then use your back button to return here.) Complete the form by printing it, signing it and personally returning it to your local community office.