Other Business Banking Services Xpress Telephone Banking | TSB Online Banking | TSB Online Bill Pay Retirement Plans | Insurance | Business Credit Card & Merchant Services Xpress Telephone Banking 24 hour Xpress Telephone Banking is available to commercial customers for immediate access to deposit or loan account information at Tioga State Bank. By telephone you can make balance inquiries, account transfers and review transactions. To learn more about Xpress Telephone Banking, click here. TSB Online Banking-It's Free! TSB Online Banking is available to commercial customers to conduct day-to-day financial activities. TSB Online is accessed through the internet providing easy and secure entry to your accounts. TSB Online Banking Features TSB Online Banking is free! Access and print information on all Tioga State Bank accounts Check your account balances and transfer funds Verify account activity Make loan payments View and print statements and check clearings Download information to your money management software Longer banking day (you are able to make transactions until 5:00 p.m.) System Requirements You need access to the internet using browsers such as: Microsoft Internet Explorer 7 or higher or Firefox 3 or higher or Safari 1 or higher and an internet service provider (ISP) of your choice. No additional software is needed. Account information is provided through a secure website. Your browser must support frames and secure socket layers (SSL). Getting Started with TSB Online Banking Start the application process by clicking here. This will link you to the TSB Online Banking & Bill Pay Application. TSB Online Banking access information will be mailed to the address Tioga State Bank has on file for you within three to five business days. Or, for immediate access to TSB Online Banking, visit the Tioga State Bank office most convenient for you. Security with TSB Online Banking Security regarding your accounts is extremely important. The following are the security procedures in place to provide you with full protection: To ensure integrity of the data, you need to use a browser that supports frames and secure socket layers (SSL). The first time you login to TSB Online you will be asked to change your TSB Online PIN and select a specific picture (your personal identification image) from a gallery of memorable images. You will also be prompted to select specific challenge questions from a list and enter personalized answers that only you should know in case you need to verify your identity while using TSB Online in the future. Each time you login to TSB Online you will be required to enter your TSB Online ID and your PIN. Each time you login to TSB Online you should verify that the image displayed is the personal identification image you selected. This will provide ongoing verification that you are connected to our online banking website rather than a fraudulent copycat site. TSB's authentication system will automatically monitor your accounts for activity that is "unusual" based on your history with our institution. In the rare event that unusual activity is detected, you will be automatically asked to verify your identity by answering the pre-selected challenge questions. For your security, please do not share your TSB Online ID or PIN information with anyone. You can change your TSB Online ID or PIN anytime. You will need to login to TSB Online using your existing TSB Online ID and PIN. Click on the Options icon at the top of the page to change your PIN, TSB Online ID, or e-mail address. If you forget your PIN or complete three invalid PIN attempts, you can self reset your TSB Online PIN if you previously completed the TSB Online Banking Personal Options page with all required information. TSB Online Bill Pay-It's Free! TSB Online Bill Pay Features Pay unlimited number of invoices Schedule one-time or automatic payments View your payment schedule Generate payment history reports Download information to your money management software Getting Started with TSB Online Bill Pay Start the application process by clicking here. This will link you to the TSB Online Banking & Bill Pay Application. Please note that you must have TSB Online Banking to apply for TSB Online Bill Pay. You will have access to TSB Online Bill Pay within three to five business days after we receive your application. Or, for immediate access to TSB Online Bill Pay, visit the Tioga State Bank office most convenient for you. TSB Online Bill Pay is free! No monthly charges; no per item processing fees. Retirement Plans Tioga State Bank offers various retirement plans for business customers through Tioga State Investment Services, a D/B/A of Tioga State Bank. Insurance Tioga State Bank offers various insurance products for business customers through Tioga State Insurance Agency, a subsidiary of Tioga State Bank. Life Insurance - Group Insurance allows employers to offer low cost life insurance to employees and their families through payroll deduction. The process is simplified for the employer, allowing life insurance to be offered as a valuable employee benefit. Group Long term Care Insurance - Long term care insurance provides benefits if an individual or a family member requires long term care assistance. When purchased through a group plan, employees can receive premium discounts. Again, the process is simplified for the employer, allowing group long term care insurance to be offered as a valuable employee benefit. Key Man Insurance - This insurance coverage is usually purchased by a business to protect the business against monetary setbacks resulting from loss of key personnel. NOT A DEPOSIT NOT FDIC-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY THE BANK MAY GO DOWN IN VALUE Business Credit Card & Merchant Services Visa Business Credit Cards A business credit card is available to provide commercial customers a convenient and efficient way to order and purchase supplies or pay travel expenses. The monthly credit card statement provides tax information, helps to manage expense budgets and monitor cashflow. Enjoy competitve rates, a variety of exciting rewards and one stop financial servicing with a Visa business credit card. Tioga State Bank, along with our partner, Elan Financial Services, offers numerous credit card options to businesses including Visa Business Card, Visa Platinum Business Rewards Card, Visa Business Travel Card and Visa Business Company Card. Varied billing options are available as are convenient payment options. Click here to learn more and/or to apply for a Tioga State Bank/Elan Visa Business Credit Card. For existing Tioga State Bank/Elan credit card customers, to access your account, click My Account Access. Merchant Services Tioga State Bank offers credit card processing services to provide you with a fast, accurate and efficient way to process customer credit card transactions. Visa sales receipts are automatically credited to your business checking account with card sales activities provided in a monthly detailed statement. © 2005 Tioga State Bank | All rights reserved | Member FDIC | Equal Housing Lender | Privacy | Security & Copyright For assistance, contact Tioga State Bank's Customer Service Center at 1-888-303-4TSB (4872).