Fraud Protection For Your Business

Protecting your business from fraud is more important than ever. At Tioga State Bank, we offer advanced tools and proactive monitoring to help safeguard your accounts and respond quickly to potential threats.

FRAUD ALERTS & DEBIT CARD PROTECTION

How It Works:

Your account is continuously monitored for unusual activity. If a potentially fraudulent transaction is detected, you may be contacted through one or more of the following methods:

  1. Text Message
  2. Email Notification (if no response to text within 5 minutes)
  3. Automated Phone Call (if no response is received)

If you confirm a transaction as fraud, your card will be immediately blocked and a Fraud Center Analyst will contact you for next steps. If we are unable to reach you, a temporary block may be placed on your card until the activity can be verified.

Important Reminder:

 

We will never ask for your PIN, full account number, or other sensitive information through these alerts.

Depending on the level of risk, your debit card may be restricted at any point during the review process to prevent further unauthorized activity.

POSITIVE PAY: CHECK & ACH FRAUD PROTECTION

How It Works:

Positive Pay is an add-on feature within our E-Cash Management Services designed to help protect your business from check and ACH fraud.

You provide Tioga State Bank with a list of checks and ACHs you’ve issued. As they are presented for payment, we compare them against your list to verify that key details match, including:

  • Check number
  • Dollar amount
  • Issue status
  • Payee/company name

Exception Handling:

 

If something does not match your issued list, it is flagged as an exception. This may occur if:

  • The check was not issued
  • The check or ACH amount does not match
  • The item was previously cleared, voided, or stopped
  • The check is stale-dated or inactive
  • The Payee/Company Name does not match

DARK WEB MONITORING: PREVENTING POTENTIAL FRAUD

How It Works:

At Tioga State Bank, we take a proactive approach to protecting your business information by utilizing advanced monitoring tools, including technology from Q6 Cyber.

What Is Dark Web Monitoring?

The dark web is a hidden part of the internet where stolen information—such as usernames, passwords, or financial data—is sometimes shared or sold.

Our monitoring tools continuously scan these sources for information that may be connected to your business or your accounts.

How It Helps Protect Your Business:

 

If a potential threat is detected, we can act quickly by:

  • Monitoring or securing impacted accounts
  • Notifying you of potential exposure
  • Recommending actions like password updates
  • Strengthening safeguards against emerging risks

This proactive approach helps us respond quickly—often before fraud occurs.

*Positive Pay is an add-on feature with a $25.00 monthly service charge

If you have any questions, or want to learn more…

Contact us online, by phone at 888-303-4TSB or visiting us at a TSB office location.

Contact Us