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Personal Deposit Services

Tioga State Bank offers a variety of checking and savings plans to meet your financial needs. Customers that meet TSB relationship requirements are eligible for TSB's relationship accounts which are designed to maximize your convenience, savings and security! To obtain more information, or open an account, stop by one of our community offices.

Checking Accounts

Rewards Checking:

Rewards Checking is a FREE checking account that pays extraordinary interest and refunds the ATM fees you are charged at nationwide ATMs!

Earn 4.75%* annual percentage yield (APY) on our Rewards Checking Account and receive refunds of ATM fees.

Just three simple requirements per qualification cycle:

  • Confirmed enrollment in TSB Online E-Statements
  • Make 12 or more purchases using your TSB debit card
  • One direct deposit or ACH debit

    You don't need a high balance to get 4.75% APY - in fact, any balance from $.01 to $25,000 will put you in the bracket to earn 4.75% APY. That's as good as a CD! Plus, you'll earn 1.01% APY on the balances over $25,000. You don't need to maintain a minimum balance to get 4.75% APY - just meet the requirements.

    If you didn't meet the requirements, don't worry; you'll still earn .25% APY. Your Rewards Checking account functions as a Free Checking account and pays .25% APY! You won't receive the ATM refunds for that qualification cycle, but you can start over the next cycle, with no service charges or penalties.

    *Minimum $25 to open account. Available to individuals only. APY accurate as of 2/13/08. ATM reimbursement limited to $25 per statement cycle. "Qualification cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Rewards Checking statement cycle closes on the last business day of each calendar month. Rewards Checking Patent Pending by BancVue.

    Free Checking:

    • Only a $25 deposit to open account
    • No monthly service charge
    • ATM/Debit Card available with no monthly service fee

    Interest Checking:

    • $2,500 deposit to open account
    • Interest bearing account with minimum daily balance of $2,500 to earn interest and avoid monthly service charge of $25
    • ATM/Debit Card available with no monthly service fee

    Relationship Interest Checking:
    Checking with the benefits you need, the value you deserve.

    • Identity Theft Insurance provides you with expert assistance and up to $5,000 in financial relief in the event your identity is stolen.
    • Remedy Check Protection provides protection of up to $25,000 from forged signatures, forged endorsements and altered checks.
    • Payment Card Protection enables you to register all your credit, debit, ATM and check cards at one time and in one place. If your cards are lost or stolen, simply call one convenient toll-free number 24 hours a day to cancel cards and stop unauthorized purchases.
    • $2,500 deposit to open account
    • Interest bearing account with minimum daily balance of $2,500 to earn interest and avoid monthly service charge of $25
    • ATM/Debit Card available with no monthly service fee
    • Requires ACH direct deposit of payroll, pension or Social Security to any TSB consumer checking account. If direct deposit is not activated or is cancelled, the account will be converted to an Interest Checking account and the APY will change.

    Click     here to review and print the Tioga State Bank Substitute Check Policy Disclosure - Substitute Checks and Your Rights. To review and print the Tioga State Bank Expedited Recredit Claim Form, click here.

    • Direct Deposit

    Check Reordering

    Reorder your personal checks
    You can order your checks directly through the Deluxe Personal Check Reorder website. Use this convenient check ordering method to save time! For security reasons, Deluxe has restricted this service to orders that do not have any name or address changes. Also, you must provide the next starting check number for your reorder. If you do have name or address changes, or you do not know the starting check number for your reorder, please mail or bring your check order to Tioga State Bank and we will process it for you.

    Prestige Partners - Please mail or bring your Prestige Partnership check order to Tioga State Bank to receive Prestige Partnership fee-free checks.

    Savings Accounts

    Personal Statement Savings Account

    Investment Savings Account:

    • $2,500 deposit to open account
    • Interest bearing account with minimum daily balance of $2,500 to earn interest and avoid monthly service charge of $25
    Relationship Investment Savings Account:
    • $2,500 deposit to open account
    • Interest Bearing Account with minimum daily balance of $2,500 to earn interest and avoid monthly service charge of $25
    • Requires ACH direct deposit of payroll, pension or Social Security to any TSB consumer checking account. If direct deposit is not activated or is cancelled, the account will be converted to an Investment Savings Account and the APY will change.

    CDs/CDARS

    Certificates of Deposit

    Certificates of Deposit make an excellent short or long-term investment opportunity. For your convenience, we offer many options, including a broad range of maturity dates and a choice of interest-payment options. Our experienced staff will help you select the best alternative for you. With a Certificate of Deposit from Tioga State Bank, your deposits and the interest earned are insured by the FDIC.

    CDARS

    In the past, there were only three ways an investor could enjoy full FDIC insurance on deposits larger than $100,000: open and maintain accounts with multiple banks, invest with one bank by transferring ownership and registering accounts in the names of family members or corporate affiliates, or work through a broker-dealer.

    All that has changed. Through the Certificate of Deposit Account Registery ServiceSM (CDARS), we can place large deposits into smaller-denomination CDs at multiple FDIC insured institutions. This makes it possible to be insured for amounts larger than the normal FDIC limit of $100,000.

    With CDARS, Tioga State Bank can offer you the following significant benefits:

    You must enter into a Deposit Placement Agreement, which contains important information and conditions regarding the placement of funds by Tioga State Bank through CDARS. Please read the agreement carefully and discuss with your personal banker. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory Interfinancial Network, LLC.

    Individual Retirement Accounts

    Other Deposit Services

    Health Savings Accounts (HSA)

    A Health Savings Account is a special account owned by an individual where contributions to the account are to pay for current and future medical expenses. Individuals are eligible for an HSA if they are covered by a High Deductible Health Plan (HDHP), are not covered by other health insurance, are not enrolled in Medicare, and cannot be claimed as a dependent on someone else's tax return. Tioga State Bank HSAs are offered as four-tiered, interest checking accounts with competitive interest rates, no minimum balance to open the account or earn interest, no per check charge, free access to check images via TSB Online Banking, free Xpress Phone Banking and a Tioga State Bank HSA Debit Card.

    Coverdell Education Savings Accounts (CESA)

    The Coverdell Education Savings Account was created for the purpose of paying for qualified education expenses. Contributions to CESAs are not tax deductible; however, distributions used to pay qualified education expenses are federal income tax free and penalty tax free.

    Holiday Club Account

    It's never too late to start saving for the holidays. Now is the time to open your Holiday Club account. For those customers that want an automatic system to accumulate savings while earning interest, the holiday club account is for you.

    EDIE, The FDIC's Electronic Deposit Insurance Estimator

    Have some questions about deposit insurance? How much insurance coverage do you have? Or, just want to know more? Use EDIE, on the FDIC's interactive website.

    Savings Bonds

    To purchase electronic U.S. savings bonds, click here.

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