Looking for a simple, no strings attached checking account that is totally free? With Tioga State Bank’s Free Checking account, there is no monthly service charge, no minimum balance requirement, and you get unlimited check writing.
- Only a $25 deposit to open account
- No minimum balance
- No monthly service charge
- Free TSB Debit Card available
- Free TSB ATM Access
- Free TSB Online Banking
- Free TSB Online Bill Pay
- Free E-Statements
- Free TSB Mobile Banking
- Free Xpress Telelphone Banking
- Check images available; fees apply
- Overdraft Protection available
- Bank to Bank Transfers available
Tioga State Bank customers 55 years or better with a Free Checking account are eligible to become Tioga State Bank Prestige Partnership Members (PPM).




If you enjoy the internet, have you considered online banking? If not, sign up today and make managing your accounts less time consuming and up to the minute. Any online banking customer can sign up for E-Statements which is also convenient and eliminates paper. Any questions? Call us at 1-888-303-4872.