Website Security & Copyright

Website Safety Principles

Tioga State Bank recognizes the importance of protecting the privacy of Personal Information about our customers and others who visit our website. We are committed to maintaining your privacy and safeguarding your account, transaction and personal information. Through our website, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services, we hope our site answers your questions about our products and services, locations, and hours.

If you visit our site to read or download information on our web pages, you need to know that we collect and store only the following information about you:  name of the domain from which you access the Internet (for example,; the date and time you access our website; the pages you may have visited on our site, the Internet address of the website from which you linked to us and the country you are from. We use the information we collect to measure the number of visitors to the different pages and sections of our site and to help us make our site more useful to visitors.

To comply with the Children’s Online Privacy Protection Act (COPPA), the “Dollar The Dragon” educational website does not collect personal identifiable information or contact information from children; does not distribute to third parties any personal identifiable information about adults or children; and does not provide the ability to publicly post or otherwise distribute personal identifiable contact information about children or adults.

If you visit our site to use interactive banking tools such as financial calculators, you may be asked for personal information in order to complete the requested analysis or evaluation. This information is NOT retained.

Never reply directly or click on a link in response to an email that asks for personal or financial information. Tioga State Bank does not communicate with customers by email requesting personal or financial information. If you identify yourself by sending an email, or filling forms such as contact us forms, the disclosure of this information is entirely voluntary on your part. If you choose to give it, we will retain the content of the email, your email address, and our response in order to handle any follow-up questions you may have. The personally identifying data may be used in the future to contact you with additional information about our bank and its products and services. If you do not wish to receive additional information in the future, or if you believe your personal information is incorrect, please contact us. Information you submit to us is treated no differently than any information you might provide in a written format. Your email address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.

When is Personal Information collected online? When you bank online with Tioga State Bank or use TSB Online Bill Pay, Tioga State Bank and our business partners, who help us deliver these services to you, will have access to your Personal Information. This information is retained on either Tioga State Bank’s or our partners’ systems in order to provide you with the services you have requested.

Cookie Technology – In order to provide better service, we will occasionally use a ‘cookie.’ Cookies are used to estimate our audience size. Each browser accessing our site is given a unique cookie that is then used to determine whether a user is a first-time visitor or a return visitor. This helps us deliver better service by helping us understand whether the majority of those accessing our site are new or repeat visitors.  You can set your web browser to inform you when cookies are going to be set.

Tioga State Bank will protect and safeguard the privacy of users of our online services, just as we do throughout the rest of our business. We will use personal information to identify you, to communicate with you, and to help us answer your questions.

Sometimes we send our customers information about our products and services.  If you do not wish to receive this information, or if you believe your personal information is incorrect, please contact us.  We will investigate the situation and, if appropriate, update our records.

If you have any questions regarding our Website Safety Principles that are not answered in this section, please call us at (888) 303-4TSB, write to us at Tioga State Bank, 1 N. Main Street, PO Box 386, Spencer, New York 14883-0386, or use the Contact Us page.

This policy is reviewed periodically by Tioga State Bank and may be subject to change.

Security Information

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a Symantec-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by Symantec, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving webpages or sending customer requests to the bank.

Using the above technologies, your website transactions are secure.

Copyright Notice & Disclaimer of Warranties

Use of Information

Any person is hereby authorized to view the information available from this website for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of Tioga State Bank.

Copyright Information

©2014 Tioga State Bank, All Rights Reserved

©2014 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part.  Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within Tioga State Bank’s website do not imply endorsement of those products, services or publications.  Tioga State Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information.  Tioga State Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors.  Changes may be periodically made to the information herein.

Facts, Data & Other Information

Facts, data, & other information presented on Tioga State Bank website pages are provided directly by Tioga State Bank.

Tioga State Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of Tioga State Bank is in accordance with the Federal Reserve Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of Tioga State Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.