Our Free Rewards Checking includes free ATM transactions nationwide, no monthly fees, no minimum balance to earn APY!* | Details TSB Online: Click here to log in. Here For You...Yesterday, Today & Tomorrow! Tioga State Bank is a locally owned, independent community bank committed to providing a wide range of high-quality products, personal service, and fast, local decision making. Worried about the existing financial climate? Read our President's message. | Details Beware of common financial scams and protect yourself from identity theft. Never reply directly or click on a link in response to an e-mail that asks for personal or financial information. Tioga State Bank does not communicate with customers by e-mail requesting personal information. | Details Tioga State Bank 4-Month CD Special.| Details Credit Card Products. Apply today for a Tioga State Bank Visa Credit Card offered through Elan. | Details   Existing Tioga State Bank / Elan credit card customers, access your account here. *Minimum $25 to open account. Available to personal accounts only. Qualifying accounts require one ACH debit or credit and 12 TSB Debit Card transactions per qualification cycle, enrollment in E-Statements. APY accurate as of 4/16/08. 4.75% Annual Percentage Yield (APY) and 1.01% APY earned each cycle the minimum requirements are met. Non-qualifying accounts still function as interest checking accounts earning 0.25% APY without ATM fee refunds. ATM reimbursement limited to $25 per statement cycle. Rewards Checking Patent Pending by BancVue. †Annual percentage rate (APR) requires automatic payments from TSB checking account. Minimum loan amount $50,000, maximum $400,000. 20% equity or down payment required. Appraisal and property insurance required. New money only. Not available for construction or mobile home loans. © 2008 Tioga State Bank | All rights reserved | Member FDIC | Equal Housing Lender | Privacy | Security & Copyright