TSB Online Banking Features
- TSB Online Banking is free!
- Access and print information on all Tioga State Bank accounts
- Check your account balances and transfer funds
- Verify account activity
- Make loan payments
- View and print statements and check clearings
- Download to your money management software
- Longer banking day (you are able to make transactions until 5:00 p.m.)
System Requirements
You need access to the internet using browsers such as: AOL, Netscape Navigator 4.7 or higher, or Microsoft Internet Explorer 5.0 or higher and an internet service provider (ISP) of your choice. No additional software is needed. Account information is provided through a secure website. Your browser must support frames and SSLs (secure socket layers).
Getting Started with TSB Online Banking
Start the application process by clicking here. This will link you to the TSB Online Banking & Bill Pay Application. TSB Online Banking access information will be mailed to the address Tioga State Bank has on file for you within three to five business days. Please note that we have no control over the U.S. Postal Service.
Or, for immediate access to TSB Online Banking, visit the Tioga State Bank office most convenient for you.
Security with TSB Online Banking
Security regarding your accounts is extremely important. The following are the security procedures in place to provide you with full protection:
- To ensure integrity of the data, you need to use a browser that supports frames and secure socket layers (SSL).
- The first time you login to TSB Online you will be asked to change your TSB Online PIN and to select a specific picture (your personal identification image) from a gallery of memorable images.
- You will also be prompted to select specific challenge questions from a list and enter personalized answers that only you should know in case you need to verify your identity while using TSB Online in the future.
- Each time you login to TSB Online you will be required to enter your TSB Online ID and your PIN.
- Each time you login to TSB Online you should verify that the image displayed is the personal identification image you selected. This will provide ongoing verification that you are connected to our online banking website rather than a fraudulent copycat site.
- TSB's authentication system will automatically monitor your accounts for activity that is "unusual" based on your history with our institution. In the rare event that unusual activity is detected, you will be automatically asked to verify your identity by answering the pre-selected challenge questions.
- For your security, please do not share your TSB Online ID or PIN information with anyone.
- You can change your TSB Online ID or PIN anytime. You will need to login to TSB Online using your existing TSB Online ID and PIN. Click on the Options icon at the top of the page to change your PIN, TSB Online ID, or e-mail address.
- If you forget your PIN or complete three invalid PIN attempts, you can self reset your TSB Online PIN if you previously completed the TSB Online Banking Personal Options page with all required information.
This service allows you to pay bills and initiate checks using the internet. It saves time, plus eliminates the need for checks, envelopes and postage stamps.
And TSB Online Bill Pay is free! No monthly charges! No per item processing fees!
TSB Online Bill Pay Features
- Pay an unlimited number of bills — mortgage, home owner's insurance, utility, credit card
- Initiate checks to individuals, etc.
- Schedule one-time or automatic payments
- View your payment schedule
- Generate payment history reports
- Download information to your money management software
Getting Started with TSB Online Bill Pay
Start the application process by clicking here. This will link you to the TSB Online Banking & Bill Pay Application. Please note that you must have TSB Online Banking to apply for TSB Online Bill Pay. You will have access to TSB Online Bill Pay within three to five business days after we receive your application.
Or, for immediate access to TSB Online Bill Pay, visit the Tioga State Bank office most convenient for you.
What is TSB Online?
TSB Online is an online banking service that allows customers of Tioga State Bank to use the internet to access their accounts any time of the day or night. With TSB Online Banking and Bill Pay, customers can also pay their bills online from any of their Tioga State Bank checking accounts.
How much does TSB Online cost?
TSB Online Banking and Bill Pay are free to Tioga State Bank customers.
What do I need to begin using TSB Online?
You must apply for TSB Online at Tioga State Bank's website or at any TSB Community Office. In order to access TSB Online, you must have your TSB Online ID and PIN available and you need a computer with internet access.
What kind of browser do I need?
TSB Online requires AOL, Netscape Navigator 4.7 or higher or Microsoft Explorer 5.0 or higher. The browser must support frames and secure socket layers (SSL).
What is the easiest way to access TSB Online?
The simplest way to access TSB Online is to click on the TSB Online icon at Tioga State Bank's website located at www.tiogabank.com.
How difficult is it to use TSB Online?
TSB Online is easy to use. All of the screens are self explanatory and there is a Help tab for further information. If you want more information about this service, please contact our Customer Service Center at 1-888-303-4TSB (4872) or visit your local TSB Community Office.
Is the internet a safe place for me to do my banking and make payments?
Internet security is a top priority in the design of TSB Online. Tioga State Bank uses a combination of proven access control methods with state of the art network security techniques to ensure protection of your account information from unauthorized access. Some of these measures include the following:
- A unique TSB Online ID and PIN are required to access your accounts. These are provided only to you. It is your responsibility to maintain the confidentiality of this information.
- All communications between your computer and TSB Online are encrytped using SSL technology. This means that your account information cannot be seen except on your computer.
- Your TSB Online ID is associated with a time out feature called a "session timer" when you login to TSB Online. If no communication with your computer is detected after a predetermined period of time, you will be forced to login again at TSB Online to continue accessing account information. This technique safeguards against you inadvertently leaving your computer unattended while logged in, thus making account information available for unauthorized access.
- Personal identification images are displayed to provide ongoing verification that you are connected to the TSB Online website rather than a fraudulent copycat website.
- Tioga State Bank's authentication system automatically monitors your accounts for activity that is "unusual" based on your history with our institution. In the rare event that unusual activity is detected, you will be asked to verify your identity by answering challenge questions that you pre-selected.
What happens if I don't log off the system?
TSB Online has a time out feature called a "session timer" which means if the system is not used for a predetermined period of time, it will shut down as a security feature and the user will have to login again.
What happens if I enter an incorrect PIN?
You are allowed three PIN attempts. After the third invalid attempt, you will be locked out of the system and will not be able to access TSB Online until you have contacted Tioga State Bank's Customer Service Center at 1-888-303-4TSB (4872) for assistance. If you forget your PIN, contact TSB's Customer Service Center for assistance.
How current is the information I will be accessing?
The information will be current as of the end of the previous day's processing and will reflect memo-posted transactions that occur to the account during the current day.
How late in the evening can I make transfers?
Transfers can be made at any time. If you initiate a transfer before 5:00 p.m. on a regular business day, that will be the day of the deposit. Transfers after 5:00 p.m. or on a day the bank is closed will be credited on the next regular business day.
When and how are the payments processed?
Payments submitted, recurring or one time, before 3:00 a.m. EST Monday-Friday will be processed at 3:00 a.m. EST. Payments submitted between 3:00 a.m. and 1:00 p.m. will be processed at 1:00 p.m. Payments received after 1:00 p.m. on Friday will be processed the next business day. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day.
What happens if I have a scheduled payment that falls over a weekend or holiday?
If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.
Can I use TSB Online Bill Payment if I live outside the U.S.?
Yes, as long as you have a Tioga State Bank checking account in the United States. However, you cannot pay bills to payees located outside the United States.
Can I get a copy of a cancelled check?
Yes. You will need to contact the bank for this information.
How long is history retained in the View Payment History section?
Payment history for active and deleted payees is retained and viewable 19 months.
How far in advance should I set up a payment to ensure it is paid on time?
For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted. For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 3:00 a.m. processing. If the check payment is entered before 1:00 p.m., the check will be mailed the following morning. Allow 5 to 7 business days for a check payment.
Please note that we have no control over the U.S. Postal Service.
Are there minimum and maximum payment amounts?
Electronic payments are validated against the available account balance prior to processing, and the check payments settle against your account like any other check; therefore, there is no dollar limitation on payments made through TSB Online Bill Pay. You are limited only by the amount of funds in your account.
Can I have multiple payments to the same payee on the same day?
At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.
Can I stop a payment?
Only check payments can be stopped after the check is printed and mailed; payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.
Whom can I pay through TSB Online Bill Pay?
You can pay ANYONE in the United States from the next-door neighbor, to the utility company, to the bank, and even a child in college across the country.
What do the status fields indicate on the Payment History Page?
- Processed - The payment has been processed and sent.
- Rejected NSF-The payment that you have tried sending has rejected due to Non-sufficient funds.
NSF payments will keep trying until one of the following happens: the funds become available; if it’s a recurring payment and it expires, or if you delete the payment.
- Communication Failure-There was an error due to communication problems. The payment will try again during the next processing run.
- Vendor Refund - Payment rejected at the electronic vendor.
How many payees may I have set up?
There is no limit to the amount of payees you can set up through the internet.
Can I edit Payee addresses?
No. Once an address is entered it stays with that payee. If you need to change an address it will be necessary to recreate the payee using the new address.
How do I know if a payee is electronic or check?
Once you have set up the payee, then you can look at the PAYEE LIST screen and you will see a field that will tell you if the payee is electronic or check.
What payment frequencies are available?
You can set up payments in any of the following frequencies:
Weekly
Bi-weekly
Monthly
Semi-monthly
Quarterly
Annually
Semi-annually
When can you edit the dollar amount on a scheduled recurring payment?
You may edit the dollar amount the next business day after the scheduled payment date.
Can I postdate recurring payments?
If a monthly recurring payment is set up to be paid on the 15th and the current date is November 12th, a payment will be scheduled for the month of November and set up to occur the 15th of every month until the end date is reached. However, if the payment is set up to be paid on the 15th and the current date is November 16th, the first payment will occur on December 15th.
Can I postdate a single payment?
Yes. Just set the payment date for a valid future date.
Will the memo field I fill out when setting up a payment be passed on to the payee?
Yes, your memo will appear on paper check bill payments. The memo field is 40 characters long. Any amount over 40 characters will be cut off. Memo field information will not appear on electronic payments.
Are there any merchants that I cannot pay through TSB Online Bill Pay?
No. Any merchant that is on electronic payee database can go electronically. If a merchant is not on the list you may send the payment as a check. Make sure that you enter your merchant account number exactly the way it appears on your bill. If you choose a merchant on the electronic database that requires an address match, choose the correct remittance address listed on your bill.
When will the money be taken out of my account?
For an ELECTRONIC PAYMENT, funds are debited the same day that the payment is sent, providing it is sent by 1:00 p.m. EST. Electronic payments submitted after 1:00 p.m. EST are debited the next day during bill pay processing.
CHECK payment funds are debited from the account when the check clears your account at the bank.
What if I do not have enough money in my account?
CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance.
ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will receive a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.
How late in the day can I enter, edit, or delete a payment?
You may add, edit, or delete a payment up to 3:00 a.m. on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 a.m. and 1:00 p.m. it may be edited up until 1:00 p.m.
Who do I contact if I have a question about a bill payment or check?
Contact Tioga State Bank's Customer Service Center at 1-888-303-4TSB (4872).
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