Zero Balance Checking

Gary, Kathe and Susan at the kitchen table

A Zero Balance Checking account is a business account attached to a Commercial Checking account that allows the transfer of money from the Concentration account to cover any debits from the Zero Balance account.

Account Details*

  • Service charge of $10 per statement cycle
  • $.15 per item fee (items include all deposit tickets, checks deposited and checks paid, and ACH transactions
  • ACH credits and debits are not included in per item fees and are free
  • Check images are available
  • Account can be linked to the Concentration Account and with Account Analysis can offset charges

For a full listing of all applicable fees, see the TSB Fee Schedule.

To open a Tioga State Bank Commercial Checking Account, contact a Tioga State Bank Business Banking Specialist today.

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*Account considered inactive if there has been no customer-initiated activity for 1 year.  A $5.00 inactivity fee will be assessed each month thereafter until the account is no longer inactive or becomes dormant (3 years of inactivity). Interest compounded and credited monthly. Overdraft fee of $30.00. Paper statement fee of $2.50.