Tioga State Bank ATM / Debit Cards
Tioga State Bank Debit Card – It’s Free!
With a Tioga State Bank Debit Card you can:
- Obtain cash withdrawals
- Transfer funds
- Obtain account balance information
- Purchase goods
- Pay for services
- Access our Tioga State Bank ATMS for fee free ATM transactions. (There may be a fee for any withdrawal or transfer made at a non-Tioga State Bank ATM. For a listing of all Tioga State Bank ATM locations, click here.)
Save Time & Enjoy the Convenience of a TSB Debit Card
Easy Activation.
Visit any Tioga State Bank ATM, insert your card, input your Personal Identification Number (PIN), and begin using your card. Or activate your card by accessing TSB Online.
Use Your TSB Debit Card to Make Purchases.
Use your card anywhere MasterCard® is accepted for up to $2,000 in purchases daily. Payment is made for purchases directly out of your checking account, eliminating the need to write a check. (International transactions allowed as requested.)
Use Your TSB Debit Card to Get Cash.
Get cash at any ATM nationwide, 24 hours a day, 7 days a week!
Use Your TSB Debit card to Make Deposits at TSB ATMs.
Deposit up to 30 checks at one time with our TSB STMS at any of our TSB office locations. You can also deposit up to 50 bills at a time without the use of an envelope.
Reporting Lost or Stolen ATM or Debit Cards
If your Tioga State Bank ATM or Debit Card is lost or stolen, notify Tioga State Bank immediately by calling our Customer Service Center at (888) 303-(4TSB) 4872. TSB Online customers can also report a TSB card lost or stolen via TSB Online. Just login to TSB Online Banking, go to the Options tab, click on the ATM/Debit Card tab and put a check mark in the box next to the TSB card that is lost or stolen. Please contact our Customer Service Center, during normal business hours, to order a new card.
Defense Against Debit Card Fraud
If you believe you are a victim.
If you believe you are a victim of debit card fraud and would like to dispute a charge, please print and mail our Cardholder Disputed Item Statement.
Tioga State Bank Partners with JHA Pass Port Fraud Center to Fight Against Fraud.
TSB, in partnership with JHA Pass Port Fraud Center keeps a vigilant eye on your debit card activity. If we detect uncharacteristic debit card activity, we may block your card to prevent losses to your account. If a block is placed, jha Pass Port Fraud Center will attempt to contact you, but until they do, you will be unable to use your TSB Debit Card via the “credit” method when making purchases. If you are making a point-of-sale purchase and you cannot use your card via “credit”, please try your purchase via “debit” and use your Personal Identification Number (PIN). Keep in mind, using your TSB Debit Card via “debit” may also work if the network is temporarily unavailable due to routine maintenance.
MasterCard® 3D Secure Program – Additional Security for Online Purchases!
The 3D Secure Program is an additional layer of authentication for online debit card purchases all TSB MasterCard® Debit Cards are automatically enrolled in. Cardholders will not need a password for the MasterCard® 3D Secure Program for online debit card purchases but could be presented with some challenge questions for certain types of purchases. When cardholders make online debit card purchases from merchants participating in the MasterCard® 3D Secure Program, the purchase transaction is assessed for level of risk. If the purchase is considered low risk, the transaction is completed without challenge questions. If the purchase is considered high risk because there is some sort of suspicious element (i.e. suspicious merchant, high dollar amount transaction, etc.), the cardholder will be required to answer challenge questions. After answering the challenge questions, the cardholder submits the order and if everything is okay, a “Thank You” screen is displayed. If a cardholder is blocked during the purchase process, the cardholder should contact the Tioga State Bank Customer Service Center at (888) 303-4872 for assistance.
Guidelines for MasterCard® Debit Card Usage
Swipe your MasterCard® Debit Card at the point-of-sale terminal and choose CREDIT. Keep in mind some point-of-sale terminals may prompt you for a PIN immediately. If this happens, you should be able to hit CANCEL and the CREDIT option should then be available.
Sign the receipt.
If you do not have the option of choosing CREDIT, choose DEBIT and enter your PIN.
If your TSB Debit Card is denied after trying both signature-based and PIN-based transactions, it could mean that this particular merchant may not be associated with any ATM networks accessible with your debit card, or this particular merchant may not accept MasterCard® Debit Cards. If this should happen, use an alternate payment method.
Use precautions and common sense at ATMs!
- Keep the PIN you use with your ATM or debit card confidential.
- Don’t write your PIN on your card or on a piece of paper you keep with the card.
- Choose a well-lit ATM, especially if you use the ATM after dark.
- Don’t withdraw too much cash at one time. Take only what you need.
- Stand directly in front of the machine to prevent someone from seeing your PIN as you enter it.
- Leave immediately if you become suspicious for any reason while using an ATM. Note that PIN reversal is not a valid security option at ATMs.
- Don’t leave your receipt at the ATM location.
- Notify your financial institution immediately if your ATM or debit card or PIN is lost or stolen.
If your Tioga State Bank ATM or Debit Card is lost or stolen, notify Tioga State Bank immediately by calling our Customer Service Center at (888) 303-4TSB (4872).
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.