What is TSB Online?

TSB Online is an online banking service that allows customers of Tioga State Bank to use the internet to access their accounts any time of the day or night. With TSB Online Banking and Bill Pay, customers can also pay their bills online from any of their Tioga State Bank checking accounts.

How much does TSB Online cost?

TSB Online Banking and Bill Pay are free to Tioga State Bank customers.

What do I need to begin using TSB Online?

You must apply for TSB Online at Tioga State Bank’s website or at any TSB office.  In order to access TSB Online, you must have your TSB Online ID and PIN available and you need a computer with Internet access.

What kind of browser do I need?

TSB Online requires Microsoft Internet Explorer 8.0 or higher, Firefox 3.5 or higher or Safari 4 or higher. The browser must support frames and secure socket layers (SSL).

What is the easiest way to access TSB Online?

The simplest way to access TSB Online is to click on the TSB Online icon at Tioga State Bank’s website located at www.tiogabank.com.

How difficult is it to use TSB Online?

TSB Online is easy to use. All of the screens are self explanatory and there is a Help tab for further information. If you want more information about this service, please contact our Customer Service Center at 888-303-4TSB (4872) or visit your local Tioga State Bank office.

Is the Internet a safe place for me to do my banking?

Internet security is a top priority in the design of TSB Online.  Tioga State Bank uses a combination of proven access control methods with state of the art network security techniques to ensure protection of your account information from unauthorized access.  Some of these measures include the following:

• A unique TSB Online ID and PIN are required to access your accounts.   These are provided only to you. It is your responsibility to maintain the confidentiality of this information.
• PINs must be alphanumeric and must be 7 or 8 characters.
• PINs must be changed at least every 180 days.
• All communications between your computer and TSB Online are encrypted using SSL technology.  This means that your account information cannot be seen except on your computer.
• Your TSB Online ID is associated with a time out feature called a “session timer” when you login to TSB Online.  If no communication with your computer is detected after a predetermined period of time, you will be forced to login again at TSB Online to continue accessing account information.  This technique safeguards against you inadvertently leaving your computer unattended while logged in, thus making account information available for unauthorized access.
• Personal identification images are displayed to provide ongoing verification that you are connected to the TSB Online website rather than a fraudulent copycat website.
• Tioga State Bank’s authentication system automatically monitors 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 asked to verify your identity by answering challenge questions that you pre-selected.

What happens if I don’t log off the system?

TSB Online has a time out feature called a “session timer” which means if the system is not used for a predetermined period of time, it will shut down as a security feature and the user will have to login again.

What happens if I enter an incorrect PIN?

You are allowed three PIN attempts. After the third invalid attempt, you will be locked out of the system and will not be able to access TSB Online until you have contacted Tioga State Bank’s Customer Service Center at 888-303-4TSB (4872) for assistance.  If you forget your PIN, contact TSB’s Customer Service Center for assistance.

How current is the information I will be accessing?

The information will be current as of the end of the previous day’s processing and will reflect memo-posted transactions that occur to the account during the current day.

How late in the evening can I make transfers?

Transfers can be made at any time. If you initiate a transfer before 6:00 p.m. on a regular business day, that will be the day of the deposit. Transfers after 6:00 p.m. or on a day the bank is closed will be credited on the next regular business day.