Generated by All in One SEO v4.9.8, this is an llms.txt file, used by LLMs to index the site. # Tioga State Bank Helping You Live Life ## Sitemaps - [XML Sitemap](https://www.tiogabank.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [CRA Partners/USI Alliance Welcomes New York Community Banker to Board of Directors](https://www.tiogabank.com/news/cra-partners-usi-alliance-welcomes-new-york-community-banker-to-board-of-directors/) - Washington, D.C. (July 3, 2023)—CRA Partners/USI Alliance, an ICBA affiliate, today announced the election of Robert M. Fisher, president, CEO, and chairman of Tioga State Bank in Spencer, N.Y., as a member of the USI Alliance and Senior Housing Crime Prevention Investment Corp. board of directors. “We’re pleased to have Bob, both a well-respected community - [Preventing Elder Financial Abuse](https://www.tiogabank.com/tips/preventing-elder-financial-abuse-2/) - Roughly 20 percent of older Americans fall prey to financial exploitation totaling $3 billion annually or an average of $120,000 per elderly victim, according to a study from the AARP Public Policy Institute. And given that only one out of every 44 financial abuse cases are reported, according to the National Adult Protective Services Association, true losses from elder - [New Johnson City Office](https://www.tiogabank.com/uncategorized/new-johnson-city-office/) - [et_pb_section fb_built=”1″ admin_label=”Section” _builder_version=”4.24.3″ _module_preset=”default” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.24.3″ _module_preset=”default” custom_padding=”21px|||||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.24.3″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Now Open in Johnson City: Your Trusted Community Bank, Ready to Serve You” _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][/et_pb_heading][et_pb_text _builder_version=”4.27.0″ _module_preset=”default” header_text_align=”center” global_colors_info=”{}”] Johnson City has a new, friendly community bank located at 716 Harry L. Drive. TSB opened it’s 5th - [Erin Hudak](https://www.tiogabank.com/employee-spotlight/erin-hudak/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Meet Erin Hudak – TSB Mortgage Originator” admin_label=”Fullwidth Header” _builder_version=”4.27.4″ _module_preset=”default” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/ERINH.jpg” alt=”Erin Hudak” title_text=”ERINH” _builder_version=”4.27.4″ _module_preset=”default” module_alignment=”center” max_height=”239px” custom_padding=”|||20px|false|false” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” - [Jennifer Blackman](https://www.tiogabank.com/employee-spotlight/jennifer-blackman/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” admin_label=”Fullwidth Header” _builder_version=”4.16″ _module_preset=”default” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/JENB.jpg” alt=”Lisa Viglione” title_text=”JENB” _builder_version=”4.16.0″ _module_preset=”default” module_alignment=”center” max_height=”239px” custom_padding=”|||20px|false|false” global_colors_info=”{}”][/et_pb_image][/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font=”||||||||” text_text_color=”#000000″ - [Resolutions for a Fraud Free New Year](https://www.tiogabank.com/tips/resolutions-for-a-fraud-free-new-year/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/New-Years-Resolutions-Blog-Banner.png” alt=”2025 Goals written on clipboard” title_text=”New Years Resolutions Blog Banner” align=”center” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_image][et_pb_text _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] As we embrace a fresh start with the New Year, it’s the perfect time to commit to resolutions that safeguard your - [Office Holiday Giving Projects](https://www.tiogabank.com/events/office-holiday-giving-projects/) - [et_pb_section fb_built=”1″ admin_label=”Projects” _builder_version=”4.20.0″ _module_preset=”default” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.20.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.3″ _module_preset=”_initial” header_font=”–et_global_heading_font|||on|||||” header_line_height=”1.2em” header_font_size_tablet=”” header_font_size_phone=”24px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”] Office Holiday Giving Projects [/et_pb_text][et_pb_text _builder_version=”4.27.3″ _module_preset=”default” global_colors_info=”{}”] This holiday season, TSB offices are spreading joy through our Office Giving Campaigns. Each office is hosting a unique donation drive, collecting items to - [Stay Safe From Holiday Scams](https://www.tiogabank.com/tips/stay-safe-from-holiday-scams/) - The holiday season is a joyful time filled with shopping, travel, and festive activities. Unfortunately, it’s also prime time for scammers seeking to exploit the spirit of generosity and the increase in online transactions. In 2024, as technology continues to shape our daily lives, scammers are evolving their methods, making it more important than ever - [For Seventh Consecutive Year, TSB Receives National Recognition, Winning American Banker Magazine’s “Best Banks to Work For” Award](https://www.tiogabank.com/news/bestbanks2024/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″ custom_padding=”17px|||||”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image _builder_version=”4.27.2″ _module_preset=”default” alt=”Collage of Best Banks to Work For 2024 office celebrations” title_text=”Best Banks Photos” src=”https://www.tiogabank.com/wp-content/uploads/Best-Banks-Photos.png” hover_enabled=”0″ sticky_enabled=”0″][/et_pb_image][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″] For the seventh consecutive year, Tioga State Bank (TSB) has earned national recognition, winning - [Tips to Protect Seniors from Financial Abuse](https://www.tiogabank.com/tips/tips-to-protect-seniors-from-financial-abuse/) - Older Americans lose roughly $3 billion to a growing number of scams each year, according to the United States Senate Special Committee on Aging. But only one in 44 cases get reported, according to the National Adult Protective Services Association, putting the true cost as high as $35.5 billion annually. As financial gatekeepers for the - [Robert Fisher, President and CEO of Tioga State Bank Elected to Federal Home Loan Bank of NY Board of Directors](https://www.tiogabank.com/news/robert-fisher-president-and-ceo-of-tioga-state-bank-elected-to-federal-home-loan-bank-of-ny-board-of-directors/) - Spencer, NY (November 29, 2023) -- Robert M. Fisher, President and Chief Executive Officer, Tioga State Bank (TSB), was elected by the Federal Home Loan Bank of New York (FHLBNY) to serve on the FHLBNY's Board as Member Director representing New York State for four-year terms of office. He will hold that position from January 1, - [New York State Banker Elected ICBA Immediate Past Chairman](https://www.tiogabank.com/news/new-york-state-banker-elected-icba-immediate-past-chairman/) - Fisher of Spencer to continue serving the nation’s community banks San Antonio (March 2, 2022) — Robert M. Fisher, president and CEO of Tioga State Bank in Spencer, N.Y., will serve as immediate past chairman of the Independent Community Bankers of America® (ICBA) for 2022-23. His term begins March 3 at the conclusion of the ICBA LIVE national convention in San Antonio. “Community banks - [Tioga State Bank and ICBA Offer Tips to Safeguard Sensitive Data](https://www.tiogabank.com/news/tioga-state-bank-and-icba-offer-tips-to-safeguard-sensitive-data/) - Spencer, NY (Oct. 6, 2021)—As Americans continue to venture online in greater numbers, Tioga State Bank and the Independent Community Bankers of America (ICBA) are offering practical tips during Cybersecurity Awareness Month to help safeguard sensitive data and mitigate losses in the event of a data breach or compromise. Educating customers about account safety - [For Fourth Consecutive Year, Tioga State Bank Receives National Recognition in “Best Banks to Work For” Review](https://www.tiogabank.com/news/for-fourth-consecutive-year-tioga-state-bank-receives-national-recognition-in-best-banks-to-work-for-review/) - Spencer, NY (Nov. 8, 2021) -- For the fourth consecutive year Tioga State Bank has earned national recognition, winning a Best Banks to Work For award from American Banker magazine.** TSB was honored for all that their employees do for their customers and communities. Tioga State Bank President and CEO Robert Fisher stated, “This recognition is - [Benefits of Financial Literacy At Every Age and Life Stage](https://www.tiogabank.com/news/benefits-of-financial-literacy-at-every-age-and-life-stage/) - Spencer, NY (April 5, 2022) - Tioga State Bank and the Independent Community Bankers of America (ICBA) are celebrating Financial Literacy Month in April and encouraging Americans to take control of their financial future by learning fiscally responsible habits and putting these lessons into practice. Only one-third of adults can answer at least four of - [For Third Consecutive Year, Tioga State Bank Receives National Recognition in “Best Banks to Work For” Review](https://www.tiogabank.com/news/for-third-consecutive-year-tioga-state-bank-receives-national-recognition-in-best-banks-to-work-for-review/) - Spencer, NY -- Tioga State Bank has received national recognition as one of American Banker magazine’s “Best Banks to Work For” for the third consecutive year. TSB was honored for all that their employees do for their customers and communities. Tioga State Bank President and CEO Robert Fisher commented, “As a community bank, serving local - [Shop Locally for the Holidays](https://www.tiogabank.com/go-local/shop-locally-for-the-holidays/) - Planning to spread some cheer? Focus on community during the holidays and purchase a one-of-a-kind creation from your local small businesses in our community. By doing so, you’ll be giving a gift that keeps on giving—local economic prosperity. Did you know that for every $100 you spend at locally owned businesses, $48 out of every - [Community Banks Build Better Communities](https://www.tiogabank.com/news/community-banks-build-better-communities/) - Community Banking Month In honor of ICBA Community Banking Month in April, Tioga State Bank and the Independent Community Bankers of America (ICBA) are shining a spotlight on community banks’ outsized role in fostering economic wellbeing and meeting the financial needs of their consumers and local communities. As a local small business ourselves, we are invested - [Look To Community Banks For Small Mortgages](https://www.tiogabank.com/news/look-to-community-banks-for-small-mortgages/) - While the nation’s growth has promoted a years-long housing recovery, some consumers report that they’re having trouble getting mortgages for an unusual problem: the loans they seek are too small. The Wall Street Journal recently reported that many consumers are having a hard time qualifying for mortgage loans worth less than $70,000. Fortunately for consumers, small mortgages - [ICBA Securities Appoints New Community Bank Board Members](https://www.tiogabank.com/news/icba-securities-appoints-new-community-bank-board-members/) - WASHINGTON, D.C. – ICBA Securities Inc.®, the broker-dealer subsidiary of the Independent Community Bankers of America® (ICBA), today announced the appointments of ICBA Vice Chairman Bob Fisher, president and CEO, Tioga State Bank, Spencer, N.Y., and Jack Hopkins, president and CEO, CorTrust Bank, Mitchell, S.D., to its board of directors. “ICBA Securities is fortunate to have - [ICBA: Community Banks Build Vibrant Communities](https://www.tiogabank.com/news/icba-community-banks-build-vibrant-communities/) - Washington D.C.—Community banks continue to expand and innovate to meet the needs of consumers and local communities—whether rural, suburban or urban. In honor of ICBA Community Banking Month in April, the Independent Community Bankers of America® (ICBA) is shining a spotlight on the nation’s community banks and their role in fostering local economic prosperity. “As - [Financial Literacy is Key to Effective Money Management for Teens](https://www.tiogabank.com/tips/financial-education/financial-literacy-is-key-to-effective-money-management-for-teens/) - Tioga State Bank offers the following tips for Gen Z and their parents to shore up money management skills and prepare for the post-graduate workforce: • Set Specific Measurable Attainable Realistic Trackable goals. Choose your priorities—whether it’s saving for a computer or building an emergency fund—and make sure they are achievable. Create a plan of - [National Ag Day](https://www.tiogabank.com/news/national-ag-day/) - At Tioga State Bank, we recognize the essential role of agriculture, which is central not only to our country’s food supply but also helps preserve our nation’s natural resources. At TSB, we pledge to do our part to support these stewards of the land for the benefit of all Americans and the strength of local - [Smishing](https://www.tiogabank.com/tips/cybersecurity/smishing/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.19.5″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Your cell phone is one of our most used — and — trusted devices. Help keep your device safe with these cybersecurity tips meant to help you avoid potential smishing scams. Never respond The - [Tips To Protect Your Financial Information](https://www.tiogabank.com/tips/cybersecurity/tips-to-protect-your-financial-information/) - In recognition of Data Privacy Week, Tioga State Bank and the Independent Community Bankers of America (ICBA) are reminding customers of practical steps to help safeguard their sensitive data and shield against losses in the event of a data breach or compromise. In the first half of 2022, there were 817 data breaches in the U.S., and - [George Bowen](https://www.tiogabank.com/employee-spotlight/george-bowen/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.18.0″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/George-Bowen-scaled.jpg” alt=”George Bowen” - [James Savage](https://www.tiogabank.com/employee-spotlight/james-savage/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.18.0″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Jim-Savage-scaled.jpg” alt=”James Savage” - [Jon Ward](https://www.tiogabank.com/employee-spotlight/jon-ward/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.18.0″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Jon-Ward-scaled.jpg” alt=”Jon Ward” - [Brian DeBoyace](https://www.tiogabank.com/employee-spotlight/brian-deboyace/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.18.0″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Brian-DeBoyace-scaled.jpg” alt=”Brian DeBoyace” - [Rick Annunziata](https://www.tiogabank.com/employee-spotlight/rick-annunziata/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.17.6″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Rick-Annunziata-2-scaled.jpg” alt=”Rick Annunziata” - [Susan Farrell](https://www.tiogabank.com/employee-spotlight/susan-farrell/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.17.6″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Susan-Farrell.jpg” alt=”Susan Farrell” - [Joanne Jones](https://www.tiogabank.com/employee-spotlight/employee-spotlight-joanne-jones/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight – Joanne Jones” subhead=”Commercial Services Officer” disabled_on=”off|off|off” module_class=”custom-interior-header” _builder_version=”4.16″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/DSC_4439-scaled-e1624995405752.jpg” alt=”Joanne M. Jones” title_text=”Joanne M. Jones” - [Travel Safe, Travel Smart](https://www.tiogabank.com/tips/travel-safe-travel-smart/) - Planning for the unexpected—including trip delays, lost or damaged merchandise, and last-minute expenditures can offer greater peace of mind while traveling and lessen the financial impact upon your return. Should your best-laid plans go awry, and you get into a financial situation while away, call on Tioga State Bank and our expert staff who are willing - [Preventing Elder Financial Abuse](https://www.tiogabank.com/tips/preventing-elder-financial-abuse/) - Roughly 20 percent of older Americans fall prey to financial exploitation totaling $3 billion annually or an average of $120,000 per elderly victim, according to a study from the AARP Public Policy Institute. And given that only one out of every 44 financial abuse cases are reported, according to the National Adult Protective Services Association, - [TSB Featured in Business View Magazine](https://www.tiogabank.com/news/tsb-featured-in-business-view/) - Spencer, NY (May 23, 2022) - Tioga State Bank was featured in the April/May issue of the national publication, Business View Magazine. The article centered around the bank’s community-first commitment to serving its customers and communities, especially during the early months of the Coronavirus outbreak. In the article, Tioga State Bank President and CEO Robert - [What Sets Community Banks Apart?](https://www.tiogabank.com/tips/community-bank-differences/) - Local Focus: Unlike larger banks that may take deposits in one state and lend in others, community banks channel their loans to the neighborhoods where their depositors live and work, which helps local businesses and communities thrive. Relationship Banking: Community bank officers know their customers and may consider family history and discretionary spending in making loans. - [Lisa Viglione](https://www.tiogabank.com/employee-spotlight/lisa-viglione/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.16″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.16″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/HEP_6382-scaled.jpg” alt=”Lisa Viglione” title_text=”HEP_6382″ _builder_version=”4.16.0″ _module_preset=”default” - [Tioga State Bank Announces 2018 Community Advisory Boards](https://www.tiogabank.com/news/tioga-state-bank-announces-2018-community-advisory-boards/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce the 2018 Community Advisory Board members for our Spencer/Candor/Newfield, Owego, Waverly and Broome County Community Advisory Boards. This year, we welcome 15 new members and 4 returning members to our boards. Tioga State Bank welcomes back our returning board members Jeff Golden, Craig Jochum, - [ICBA Testifies on Behalf of Community Bank Regulatory Relief](https://www.tiogabank.com/news/icba-testifies-on-behalf-of-community-bank-regulatory-relief/) - WASHINGTON, D.C. – The Independent Community Bankers of America® (ICBA) today testified before the House Financial Services Subcommittee on Financial Institutions and Consumer Credit on behalf of legislation to establish a more efficient financial regulatory regime. Robert Fisher, president and CEO of Tioga State Bank in Spencer, N.Y., expressed ICBA’s support for several bills to promote tiered - [Bobbie Jo Buiniskis](https://www.tiogabank.com/employee-spotlight/bobbie-jo-buiniskis/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.15″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.9.10″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_color_gradient_overlays_image=”on” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.15″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.15″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.15″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Bobbie-Jo-Buiniskis-1-scaled-e1647875824335.jpg” alt=”Bobbie Jo Buiniskis” title_text=”Bobbie Jo Buiniskis” _builder_version=”4.15.1″ _module_preset=”default” - [TSB Foundation, Inc. Makes Donation to Candor Emergency Squad for Facility Repairs](https://www.tiogabank.com/tsb-foundation-news/tsb-foundation-inc-makes-donation-to-candor-emergency-squad-for-facility-repairs/) - SPENCER, NEW YORK – The TSB Foundation Inc. recently made a $5,000 donation to the Candor Emergency Squad to help them make electrical repairs to their facility located on Main Street in Candor. “The Candor Emergency Squad is a great organization that helps Candor residents in their time of need,” said Robert Fisher, President and - [Eric Zwierlein](https://www.tiogabank.com/employee-spotlight/eric-zwierlein/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.10″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.9.10″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_color_gradient_overlays_image=”on” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.9.10″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.9.10″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.9.7″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Eric-Zwierlein-scaled-e1644850647782.jpg” alt=”Eric Zwierlein” title_text=”Eric Zwierlein” _builder_version=”4.14.9″ _module_preset=”default” module_alignment=”center” max_height=”239px” - [Save to Retire](https://www.tiogabank.com/tips/save-to-retire/) - Retirement means different things to different people. Financial needs change through all stages of our lives. The one constant focus as we age should be on saving for retirement years. And no matter what, being prepared is important. If you need help planning for your own retirement or looking for a retirement plan for - [Tioga State Bank Honored as One of American Banker’s “Best Banks to Work For”](https://www.tiogabank.com/news/tioga-state-bank-honored-as-one-of-american-bankers-best-banks-to-work-for/) - SPENCER, NEW YORK – Tioga State Bank has received national recognition as one of American Banker magazine’s “Best Banks to Work For.” The bank was honored for all that their employees do for their customers and communities. Tioga State Bank President and CEO Robert Fisher commented, “As a local community bank, we are honored to - [Tioga State Bank Receives National Recognition Two Years in a Row in “Best Banks to Work For” Review](https://www.tiogabank.com/news/tioga-state-bank-receives-national-recognition-two-years-in-a-row-in-best-banks-to-work-for-review/) - Spencer, NY – Tioga State Bank has once again received national recognition as one of American Banker magazine’s “Best Banks to Work For.” For the second consecutive year, the bank was honored for their employees’ commitment to their customers and communities. Tioga State Bank President and CEO Robert Fisher commented, “As a local community bank, we - [Tips for Developing and Maintaining Good Credit Habits](https://www.tiogabank.com/tips/tips-for-developing-and-maintaining-good-credit-habits/) - Tioga State Bank and the Independent Community Bankers of America (ICBA) are encouraging customers to plan for their financial future by establishing and maintaining good credit habits to create a blueprint for financial wellness and prosperity in the New Year. Good credit is essential to a strong financial foundation, so it’s important to build - [Fight the Phish!](https://www.tiogabank.com/tips/cybersecurity/fight-the-phish/) - September 30, 2026 PHISHING & SPOOFING Phishing attacks use email or malicious websites to infect your machine with malware and viruses to collect personal and financial information. Cybercriminals attempt to lure users to click on a link or open an attachment that infects their computers, creating vulnerabilities for criminals to use to attack. Phishing emails may appear - [Tioga State Bank Partners with ZSuite Technologies to Expand Digital Offerings](https://www.tiogabank.com/news/tioga-state-bank-partners-with-zsuite-technologies-to-expand-digital-offerings/) - WESTWOOD, Mass. - (BUSINESS WIRE) - ZSuite Technologies, a financial technology company that powers community financial institutions with digital escrow products for specific commercial verticals, has partnered with Tioga State Bank to offer its customers ZRent and ZDeposit. Tioga State Bank, a NY-based, independent community bank, needed a digital solution to help the large number of landlords and property managers in - [Tioga State Bank opens new location in Downtown Ithaca for Lending Services](https://www.tiogabank.com/news/tioga-state-bank-opens-new-location-in-downtown-ithaca-for-lending-services/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce the opening of an additional location to serve the business banking and mortgage needs of our communities. Tioga State Bank has opened a location at the Ithaca Gateway Commons at 311 East Green Street, Retail 1. Chris Mekos, who is part of the TSB - [Kim Niznik Appointed to Treasury Management Specialist at Tioga State Bank](https://www.tiogabank.com/news/kim-niznik-appointed-to-treasury-management-specialist-at-tioga-state-bank/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Kim Niznik has been appointment to the Treasury Management Specialist position at Tioga State Bank. Kim Niznik has been an employee at TSB for over twenty-one years. After working mainly in retail banking, Kim recently accepted the newly created position of Treasury Management - [Kim Niznik](https://www.tiogabank.com/employee-spotlight/kim-niznik/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.10″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.9.10″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_color_gradient_overlays_image=”on” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.9.10″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.9.10″ _module_preset=”default” max_width=”1105px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.9.7″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.9.10″ _module_preset=”default” global_colors_info=”{}”][/et_pb_text][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/DSC_3576-681×1024.jpg” alt=”Kim Niznik” title_text=”Kim Niznik” _builder_version=”4.9.10″ - [Britney Visscher](https://www.tiogabank.com/employee-spotlight/britney-visscher/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.9.10″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off”][et_pb_fullwidth_header title=”Employee Spotlight” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.9.10″ _module_preset=”default” title_text_align=”center” subhead_text_align=”center” subhead_text_color=”#FFFFFF” subhead_font_size=”31px” use_background_color_gradient=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_color_gradient_overlays_image=”on” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” custom_padding=”25%||0px||false|false” locked=”off”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.9.10″ custom_margin=”0px||||false|false” custom_padding=”20px||||false|false”][et_pb_row column_structure=”1_4,3_4″ use_custom_gutter=”on” _builder_version=”4.9.10″ _module_preset=”default” max_width=”1105px”][et_pb_column type=”1_4″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_image src=”https://www.tiogabank.com/wp-content/uploads/Britney-Visscher.png” alt=”Britney Visscher” title_text=”Britney Visscher” _builder_version=”4.9.10″ _module_preset=”default” module_alignment=”center” max_height=”239px” custom_padding=”|||20px|false|false”][/et_pb_image][/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.9.7″ _module_preset=”default”][et_pb_text _builder_version=”4.9.10″ - [Joanne Jones Joins Tioga State Bank Commercial Lending Team](https://www.tiogabank.com/news/joanne-jones-joins-tioga-state-bank-commercial-lending-team/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Joanne Jones has joined the Bank’s commercial lending team. Joanne joins Team TSB with over 25 years of commercial lending experience. Growing up with her father being a small business owner in the Binghamton area, she knows the meaning of hard work and - [Be on the Lookout for Elder Financial Abuse Scam](https://www.tiogabank.com/news/be-on-the-lookout-for-elder-financial-abuse-scam/) - It’s an all too unfortunate reality that older adults are attractive targets for financial exploitation because they tend to possess more wealth than other potential victims. This is wealth that in many instances has been accumulated over their lifetime through hard work and conscientious saving. The COVID-19 pandemic made the problem even worse with fraudsters - [Tioga State Bank Announces Staff Appointments](https://www.tiogabank.com/news/tioga-state-bank-announces-staff-appointments/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce the following appointments Susan Allen is appointed to Senior Vice President, Retail Banking Brian DeBoyace is appointed to Senior Vice President, Retail Banking Paul Kane is appointed to Vice President, Credit Analyst Kari Ryder-Morton is appointed to Vice President, Loan Operations Jennifer Blackman is - [Emily Barber Joins Tioga State Bank Board of Directors](https://www.tiogabank.com/news/emily-barber-joins-tioga-state-bank-board-of-directors/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Emily Barber, co-owner of State Line Auto Auction, has joined the Bank’s Board of Directors. Emily graduated from Cornell University. She is currently a third-generation owner of State Line Auto Auction in Waverly, NY. Prior to her appointment to the Tioga State Bank - [Tioga State Bank’s Bob Fisher Elected Chairman of Independent Community Bankers of America (ICBA)](https://www.tiogabank.com/news/tioga-state-banks-bob-fisher-elected-chairman-of-independent-community-bankers-of-america-icba/) - SPENCER, NEW YORK – Tioga State Bank’s President and CEO Robert M. Fisher has been elected Chairman of the Independent Community Bankers of America (ICBA). “I’m honored to serve as ICBA chairman and to represent the nation’s community banks in supporting the financial needs of their customers during this important stage of our nation’s economic - [Tioga State Bank’s Lisa Welch Earns New York Women In Banking Award from Banking Northeast Magazine](https://www.tiogabank.com/news/tioga-state-banks-lisa-welch-earns-new-york-women-in-banking-award-from-banking-northeast-magazine/) - SPENCER, NEW YORK – Tioga State Bank’s SVP, Chief Credit Officer, Lisa Welch, was recognized as one of the top women in banking in New York by Banking Northeast Magazine. The New York Women in Banking Award acknowledges the growing impact women have in the banking industry. “I am honored to be recognized for such - [TSB Covid-19 Update](https://www.tiogabank.com/news/tsb-covid-19-update-2/) - To our valued customer, The health and safety of our employees, customers, and communities is our top priority. We were just notified of a positive COVID-19 test result at Tioga State Bank. This employee was most recently in the Spencer Office on Tuesday, November 17, presenting none of the COVID-19 symptoms. All other employees in - [TSB Hosts Tax Reform Seminar with Local Expert Panelists](https://www.tiogabank.com/news/tsb-hosts-tax-reform-seminar-with-local-expert-panelists/) - SPENCER, NEW YORK – Tioga State Bank recently hosted a Tax Reform Seminar for small business owners. “2017 Tax Reform: What You Need to Know” offered business owners in our area an opportunity to learn about the impact that recent changes in tax laws will have on both business and individuals. The seminar speakers consisted - [Robert Fisher Named Vice Chairman of ICBA](https://www.tiogabank.com/news/robert-fisher-named-vice-chairman-of-icba/) - Washington, D.C.—The Independent Community Bankers of America® (ICBA) today announced the nominees for its 2019-20 board of directors. ICBA’s board of directors will vote on the nominations during the 2019 ICBA national convention, ICBA LIVE®, which will be held March 18-22 in Nashville. Nominations for the 2019-20 ICBA board of directors and their respective positions - [TSB Covid-19 Update](https://www.tiogabank.com/news/tsb-covid-19-update/) - To Our Valued Customer, The health and safety of our employees, customers, and communities is our top priority. We must let you know that we have just been notified of a positive COVID-19 test result at TSB. This employee was most recently at the TSB Endwell Office on Friday, October 2nd, presenting none of the - [Tioga State Bank’s TSB Foundation Donates to Southern Tier Independence Center (STIC) in “Goals for Charity” Partnership with B-Devils](https://www.tiogabank.com/news/tioga-state-banks-tsb-foundation-donates-to-southern-tier-independence-center-stic-in-goals-for-charity-partnership-with-b-devils/) - July 21, 2020 – BINGHAMTON, NEW YORK – Tioga State Bank‘s TSB Foundation (represented in picture by Jeremy Vitale), commercial lender, presented Southern Tier Independence Center (STIC, represented by Maria Dibble, executive director) of Binghamton with a check for $5,500, culminating a successful “Goals for Charity” campaign with the Binghamton Devils hockey team, in - [Tioga State Bank opens new location in Ithaca for Mortgage Services](https://www.tiogabank.com/news/tioga-state-bank-opens-new-location-in-ithaca-for-mortgage-services/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce the opening of an additional location to serve the mortgage needs of our communities. Tioga State Bank has opened a location at 140 Seneca Way, Suite 200B, in Ithaca, NY. Jessica Boynton, of the Tioga State Bank Mortgage Origination team, will relocate her office to - [Shannon Davis Promoted to Vice President, Information Technology](https://www.tiogabank.com/news/shannon-davis-promoted-to-vice-president-information-technology/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Shannon Davis has been promoted to Vice President of Information Technology. Shannon is responsible for overseeing the administration of the Bank’s networks, internet, telephone and additional areas of the IT Department. Shannon joined Tioga State Bank in 2000 as the Technology Coordinator. She was - [Robert M. Fisher Nominated as Chairman-elect of Independent Community Bankers of America® (ICBA)](https://www.tiogabank.com/news/robert-m-fisher-nominated-as-chairman-elect-of-independent-community-bankers-of-america-icba/) - Spencer, NY – Tioga State Bank is pleased to announce that President and CEO Robert M. Fisher was nominated for the national position of Chairman-elect for the 2020-2021 Independent Community Bankers of America® (ICBA) board of directors. ICBA’s board of directors will vote on the nominations during the 2020 ICBA national convention, ICBA LIVE®, which will - [US small business rescue fund strained by rush of claims](https://www.tiogabank.com/news/us-small-business-rescue-fund-strained-by-rush-of-claims/) - Computer system processing loans crashes as applicants scramble for fresh $310bn in funding The Trump administration’s small business bailout programme hit another hurdle on Monday when the computer system processing loan applications crashed after being overwhelmed with demand on the day the US fund reopened. Bankers from the biggest and smallest US lenders said they - [Round Two Of The Paycheck Protection Program Is ‘More Frustrating’ Than First Time](https://www.tiogabank.com/news/round-two-of-the-paycheck-protection-program-is-more-frustrating-than-first-time/) - As the Small Business Administration’s Paycheck Protection Program launched for the second time on Monday with $310 billion in fresh funding, complaints of processing delays and computer glitches began to surface almost immediately as the program was overwhelmed by a flood of demand yet again. KEY FACTS The program has been surrounded by controversy after - [Susan Farrell Joins Tioga State Bank Business Development Team, Specializing in Government and Municipality Banking](https://www.tiogabank.com/news/susan-farrell-joins-tioga-state-bank-business-development-team-specializing-in-government-and-municipality-banking/) - Spencer, NY – Tioga State Bank is pleased to announce that Susan Farrell has joined the Tioga State Bank Business Development team as Vice President, Business Development Officer. Susan joins Tioga State Bank after having worked in the financial services industry for over 30 years. In her role, as Vice President, Business Development Officer, Susan will - [Jennifer Brockner Promoted to Senior Vice President, Chief Financial Officer at Tioga State Bank](https://www.tiogabank.com/news/jennifer-brockner-promoted-to-senior-vice-president-chief-financial-officer-at-tioga-state-bank/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Jennifer Brockner has been promoted to Chief Financial Officer and Senior Vice President. Jennifer now has oversight for all finance responsibilities including the investment portfolio, all accounting functions, regulatory and management reporting, managing insurance coverages, as well as other risk management roles. Her - [Shannon Davis Promoted to Manager, Information Technology Department at Tioga State Bank](https://www.tiogabank.com/news/shannon-davis-promoted-to-manager-information-technology-department-at-tioga-state-bank/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Shannon Davis has been promoted to Manager of the Information Technology Department. As the IT Manager, Shannon is responsible for the administration of the Bank’s networks, internet, telephone and all related software. She also maintains user administration, support and training. Shannon joined Tioga - [Walsh Joins Tioga State Bank Board of Directors](https://www.tiogabank.com/news/walsh-joins-tioga-state-bank-board-of-directors/) - SPENCER, NEW YORK – Tioga State Bank is pleased to announce that Wendy Walsh, District Manager of Tioga County Soil and Water Conservation District, has joined the bank’s Board of Directors. Wendy Walsh, District Manager of Tioga County Soil and Water Conservation District, has joined the Tioga State Bank Board of Directors. Wendy graduated from - [$177 Million in SBA Loans for Upstate NY SBA Names Top Southern Tier Lenders for Fiscal Year 2018](https://www.tiogabank.com/news/177-million-in-sba-loans-for-upstate-ny-sba-names-top-southern-tier-lenders-for-fiscal-year-2018/) - SYRACUSE, NEW YORK – SBA Syracuse District Director Bernard J. Paprocki released today the fiscal year 2018 lending report, with 670 7(a) and 504 loan approvals valued at $177 million across the 34-county Syracuse district. Small businesses in Upstate New York are accessing the affordable capital they need to start and expand with SBA-backed loans,” said - [Tioga County Hockey Night](https://www.tiogabank.com/news/tioga-county-hockey-night/) - Owego, NY— The Tioga County Chamber of Commerce in partnership with the Binghamton Devils is pleased to present Tioga County Hockey Night on Friday, March 8th. The puck will drop between the Binghamton Devils and the Utica Comets at 7:05 p.m. Tioga County Night will feature recognitions for academic excellence for students from Owego and ## Pages - [Home](https://www.tiogabank.com/) - Tioga State Bank is a trusted community bank serving Tioga, Broome, Chemung, and Tompkins counties, offering personal & business banking, loans, and mortgages. - [Community-Wide PINK OUT](https://www.tiogabank.com/pink-out/) - Join Tioga State Bank's Community-Wide Pink OUT to support the Guthrie Cancer Center through local businesses and community fundraising efforts. Learn more. - [Mortgage Lending Team](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-lending-team/) - Meet the Tioga State Bank Mortgage Lending Team serving Binghamton, Vestal, Owego, and surrounding communities with personalized home loan and refinancing solutions. - [Array Premium](https://www.tiogabank.com/personal-banking/online-banking/array-premium/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off” global_colors_info=”{}”][et_pb_fullwidth_header title=”Go Further With Array Premium” admin_label=”Fullwidth Header” _builder_version=”4.27.6″ background_image=”https://www.tiogabank.com/wp-content/uploads/bing-1.jpg” background_position=”top_center” background_vertical_offset=”16%” height=”596px” custom_margin=”||||false|false” custom_padding=”25%||||false|false” background_color_gradient_stops_tablet=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_stops_phone=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” global_module=”814″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.25.2″ custom_margin=”||10px||false|false” custom_padding=”0px||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.27.6″ max_width=”100%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}” background__hover_enabled=”off|desktop” background_color__hover=”#002b52″ background_enable_color__hover=”on”][et_pb_heading title=”More protection. More insight. - [Financial Wellness Tools](https://www.tiogabank.com/personal-banking/online-banking/financial-tools/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_fullwidth_header title=”Financial Tools, Built Around You” admin_label=”Fullwidth Header” _builder_version=”4.27.6″ background_image=”https://www.tiogabank.com/wp-content/uploads/TSB_AerialStill_Owego-e1623353420757.jpg” background_position=”bottom_center” background_vertical_offset=”-66%” height=”596px” custom_margin=”||||false|false” custom_padding=”25%||||false|false” background_color_gradient_stops_tablet=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_stops_phone=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” global_module=”814″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Take control of your financial health.” _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][/et_pb_heading][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” - [Array & Array Premium](https://www.tiogabank.com/array-compare/) - [et_pb_section fb_built=”1″ fullwidth=”on” admin_label=”Section” _builder_version=”4.23.4″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_fullwidth_header title=”Explore Array Options” admin_label=”Fullwidth Header” _builder_version=”4.27.6″ background_image=”https://www.tiogabank.com/wp-content/uploads/two-smiling-people-at-tioga-state-bank.jpg” background_position=”bottom_center” background_vertical_offset=”-66%” height=”596px” custom_margin=”||||false|false” custom_padding=”25%||||false|false” background_color_gradient_stops_tablet=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_stops_phone=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” global_module=”814″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||5px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” width=”90.8%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Explore Array today and choose the level of protection and - [TSB Online Agreement](https://www.tiogabank.com/online-agreement/) - View Tioga State Bank's online account disclosures, agreements, privacy policy, fund availability, Truth in Savings disclosures, and important banking documents. - [Online Account Disclosures and Agreements](https://www.tiogabank.com/online-account-disclosures-and-agreements/) - View Tioga State Bank's online account disclosures, agreements, privacy policy, fund availability, Truth in Savings disclosures, and important banking documents. - [Commercial Advantage Package](https://www.tiogabank.com/business-banking/commercial-advantage/) - The TSB Commercial Advantage Package helps established businesses manage cash flow, payments, financing, and fraud protection. Get started today. - [Business on the Go](https://www.tiogabank.com/business-banking/business-on-the-go/) - The TSB Business On The Go Package helps startups, freelancers, and small sellers manage payments, banking, and mobile business tools in one place. - [Business Essentials Package](https://www.tiogabank.com/business-banking/business-essentials/) - The Tioga State Bank Business Essentials Package provides businesses in Binghamton, Vestal, & Owego with checking, savings, payments, & digital banking tools. - [Business Banking Packages](https://www.tiogabank.com/business-banking/business-banking-packages/) - Tioga State Bank offers flexible business banking packages designed for every stage of growth, including small business & commercial solutions with local support. - [A Smarter Way to Switch](https://www.tiogabank.com/smart-switch/) - Easily switch your business accounts to Tioga State Bank with our guided switching tool powered by Onsetto. Transfer deposits, payments, & transactions step by step. - [Digital Business Banking Products & Services](https://www.tiogabank.com/business-banking/business-services/digi-busi-products/) - Tioga State Bank offers Cash Management Services in Binghamton, Vestal, & Owego, NY, designed to improve cash flow & account management. Contact our team today. - [Digital Business Banking How-To User Guide](https://www.tiogabank.com/business-banking/business-services/digi-busi-products/busi-how-to/) - Access step-by-step Cash Management guides, videos, and instructions for ACH, wires, payroll, Positive Pay, and user management at Tioga State Bank. - [Digital Business Banking Services](https://www.tiogabank.com/business-banking/digital-business-banking-services/) - Manage your business with Digital Business Banking Services from Tioga State Bank in Binghamton, Vestal, and Owego, NY. Contact us today. - [TSB Digital Business Banking Platform](https://www.tiogabank.com/business-banking/digital-business/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_fullwidth_header title=”TSB Digital Business Banking Platform” admin_label=”Fullwidth Header” _builder_version=”4.27.6″ background_image=”https://www.tiogabank.com/wp-content/uploads/TSB_AerialStill_Owego-e1623353420757.jpg” background_position=”bottom_center” background_vertical_offset=”-66%” height=”596px” custom_margin=”||||false|false” background_color_gradient_stops_tablet=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_stops_phone=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” global_module=”814″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Digital Business Banking That Works Whenever & Wherever You Do” _builder_version=”4.27.6″ _module_preset=”default” - [TSB Digital Business Banking - Tiers](https://www.tiogabank.com/business-banking/tiers/) - Tioga State Bank provides Cash Management Services in Binghamton, Vestal, and Owego, NY, with ACH, wire transfers, payroll tools, and fraud protection. - [Interactive Teller Machines](https://www.tiogabank.com/interactive-teller-machines/) - Use Tioga State Bank's Interactive Teller Machines (ITMs) for video banking, deposits, withdrawals, and extended drive-up banking services. - [Autobooks FAQs](https://www.tiogabank.com/business-banking/autobooks/faqs/) - Find answers to common questions about Autobooks from Tioga State Bank, including setup, payments, costs, enrollment, and business payment processing. - [TSB Event RSVP](https://www.tiogabank.com/rsvp/) - Register for the Tioga State Bank Business Fraud Awareness Webinar and learn how to recognize fraud trends and protect your business from financial threats. - [Employee Spotlight](https://www.tiogabank.com/resources/employee-spotlight/) - Meet the people behind Tioga State Bank in our Employee Spotlight series. Learn more about our team, their stories, and their commitment to our communities. - [Employment Scams](https://www.tiogabank.com/resources/employment-scams/) - Avoid Employment Scams by recognizing fake job offers, spotting warning signs, and protecting your personal and financial information with Tioga State Bank. - [Family Emergency Scams](https://www.tiogabank.com/resources/family-emergency/) - Protect yourself from Family Emergency Scams by recognizing warning signs, verifying urgent requests, and keeping your money and personal information safe. - [FAQs](https://www.tiogabank.com/resources/faqs/) - Browse Banking FAQs from Tioga State Bank. Find answers about online banking, debit cards, bill pay, mobile banking, eStatements, and more. - [General FAQs](https://www.tiogabank.com/resources/faqs/general-faqs/) - Find answers to General FAQs about Tioga State Bank, including routing numbers, office locations, ACH transactions, ATM deposits, and international travel. - [Financial Calculators](https://www.tiogabank.com/resources/financial-calculators/) - Use Tioga State Bank's Financial Calculators to estimate loan payments, mortgage costs, retirement savings, investment growth, budgeting, and more. - [Financial Education](https://www.tiogabank.com/resources/financial-education/) - Discover financial education resources from Tioga State Bank. Check back soon for tools, tips, and guidance to help you build lifelong financial confidence. - [Zogo](https://www.tiogabank.com/resources/financial-education/zogo/) - Build money skills with the Zogo Financial Literacy App from Tioga State Bank. Complete interactive lessons, earn rewards, and improve your financial knowledge. - [Fraud & Scams](https://www.tiogabank.com/resources/fraud-scams/) - Stay informed about the latest Fraud & Scams targeting individuals and businesses. Learn how to recognize threats and protect your finances with Tioga State Bank. - [Fraud Alerts](https://www.tiogabank.com/resources/fraud-alerts/) - Stay protected with Tioga State Bank Fraud Alerts. Learn how our debit card monitoring service detects suspicious activity and helps prevent unauthorized transactions. - [Fraud Protection For Your Business](https://www.tiogabank.com/resources/protect-business/) - Strengthen your Business Fraud Protection with Tioga State Bank. Explore fraud alerts, Positive Pay, dark web monitoring, and other tools to help safeguard your business. - [Fraud Solutions](https://www.tiogabank.com/resources/fraud-solutions/) - Explore TSB Fraud Solutions designed to help protect your personal and business accounts with advanced security tools, fraud prevention services, and account safeguards. - [Health Scams](https://www.tiogabank.com/resources/health-scams/) - Learn how to avoid Health Scams by recognizing fake medical offers, spotting warning signs, and protecting your personal and financial information with Tioga State Bank. - [If You Think You Are A Victim Of Fraud](https://www.tiogabank.com/resources/fraud-victim/) - Learn the essential Fraud Recovery steps to take after suspected fraud. Discover how Tioga State Bank can help protect your accounts and support your recovery. - [Imposter Fraud](https://www.tiogabank.com/resources/imposter-fraud/) - Learn how to prevent Imposter Fraud by recognizing common scams, spotting warning signs, and protecting your personal and financial information with Tioga State Bank. - [Investment Scams](https://www.tiogabank.com/resources/investment-scams/) - Avoid Investment Scams by learning to spot warning signs, recognize fraudulent investment offers, and protect your finances with guidance from Tioga State Bank. - [Keep Your Business Secure from Fraud](https://www.tiogabank.com/resources/prevent-fraud-business/) - Strengthen your Business Fraud Prevention strategy with practical tips from Tioga State Bank. Protect your business with stronger security controls and fraud awareness. - [Keylogging](https://www.tiogabank.com/resources/keylogging/) - Protect yourself from Keylogging by learning how it works, recognizing warning signs, and securing your devices and online banking accounts with Tioga State Bank. - [Kids Corner](https://www.tiogabank.com/resources/kids-corner/) - Visit Kids Corner from Tioga State Bank for fun games, activities, and interactive lessons that teach children about saving money and basic banking concepts. - [Lottery Scams](https://www.tiogabank.com/resources/lottery-scam/) - Avoid Lottery Scams by learning how to recognize fake prize notifications, spot warning signs, and protect your money and personal information with Tioga State Bank. - [Malvertising](https://www.tiogabank.com/resources/malvertising/) - Protect yourself from Malvertising Scams by recognizing fake online ads, avoiding malicious links, and keeping your personal information secure with Tioga State Bank. - [Money Matters for Students](https://www.tiogabank.com/resources/money-matters-for-students/) - Explore Money Matters for Students from Tioga State Bank. Access financial education resources, budgeting tools, calculators, career guidance, and more. - [Online Account Takeover](https://www.tiogabank.com/resources/account-takeover/) - Protect yourself from Online Account Takeover fraud. Learn how scammers gain account access, recognize warning signs, and keep your Tioga State Bank accounts secure. - [Online Banking Privacy](https://www.tiogabank.com/resources/online-banking-privacy/) - Read the Tioga State Bank Online Banking Privacy Policy to learn how we collect, use, protect, and share your personal information when using our digital banking services. - [Order Checks](https://www.tiogabank.com/resources/order-checks/) - Order personal or business checks online through Tioga State Bank. Reorder Deluxe checks quickly or learn how to request checks with account updates. - [Password Safety](https://www.tiogabank.com/resources/passwords/) - Improve your Password Safety with tips from Tioga State Bank. Create stronger passwords, enable multi-factor authentication, and better protect your accounts. - [Payday Scams](https://www.tiogabank.com/resources/payday-scams/) - Avoid Payday Scams by recognizing fake lenders, upfront fee requests, and loan fraud. Get practical fraud prevention tips from Tioga State Bank. - [Payment Fraud Trends](https://www.tiogabank.com/resources/payment-fraud/) - Stay ahead of Payment Fraud Trends with tips from Tioga State Bank. Recognize common scams, spot warning signs, and protect your accounts from fraud. - [Phishing](https://www.tiogabank.com/resources/phishing/) - Protect yourself from Phishing by spotting fake emails, texts, and phone calls. Discover practical fraud prevention tips from Tioga State Bank. - [Pig Butchering Scams](https://www.tiogabank.com/resources/pig-butchering-scam/) - Learn how to recognize Pig Butchering Scams, avoid fake cryptocurrency investment schemes, and protect your finances with tips from Tioga State Bank. - [Positive Pay](https://www.tiogabank.com/resources/positive-pay/) - Protect your business with Positive Pay from Tioga State Bank. Verify checks and ACH transactions to help detect fraud before payments are processed. - [Protect Your Identity](https://www.tiogabank.com/resources/protect-identity/) - Learn how to protect your identity with practical tips from Tioga State Bank. Safeguard your personal and business information and reduce the risk of identity theft. - [Protect yourself from fraud](https://www.tiogabank.com/resources/protect-yourself/) - Learn how to protect yourself from fraud with practical tips from Tioga State Bank. Recognize scams, safeguard your information, and reduce your risk. - [Puppy Scams](https://www.tiogabank.com/resources/puppy-scam/) - Learn how to recognize Puppy Scams, avoid fake pet listings, and protect yourself from online payment fraud with tips from Tioga State Bank. - [Quick Tips For Fraud Prevention](https://www.tiogabank.com/resources/fraud-quick-tips/) - Explore Fraud Prevention Tips from Tioga State Bank. Learn simple ways to spot scams, protect your accounts, and keep your personal information secure. - [Romance Scams](https://www.tiogabank.com/resources/romance-scam/) - Learn how to recognize Romance Scams, spot common warning signs, and protect yourself from online dating and investment fraud with tips from Tioga State Bank. - [Smishing & Vishing](https://www.tiogabank.com/resources/smishing-vishing/) - Learn how to recognize Smishing & Vishing scams, spot warning signs, and protect your personal and financial information with tips from Tioga State Bank. - [Social Engineering](https://www.tiogabank.com/resources/social-engineering/) - Learn how to recognize Social Engineering scams, spot warning signs, and protect your personal and financial information with tips from Tioga State Bank. - [Switch Kit](https://www.tiogabank.com/resources/switch-kit/) - Switch to Tioga State Bank with ease. Open a new account, transfer direct deposits and automatic payments, and get personalized support every step of the way. - [TSB Fraud Center](https://www.tiogabank.com/resources/fraud-center/) - Visit the TSB Fraud Center for fraud prevention tips, scam alerts, security solutions, and guidance on protecting your accounts and responding to fraud. - [Schedule an Appointment](https://www.tiogabank.com/schedule-an-appointment/) - Schedule a Personal Banking Appointment with Tioga State Bank for account openings, CDs, notary services, consumer loans, safe deposit boxes, and more. - [Student Offices](https://www.tiogabank.com/student-offices/) - TSB Student Offices provide hands-on banking experience for students, offering account services, deposits, and financial education at Johnson City High School. - [Switch to TSB Cannabis Banking](https://www.tiogabank.com/cannabis-banking-switch/) - Switch to Cannabis Banking with Tioga State Bank. Get secure banking solutions, transparent pricing, local decision-making, and fast onboarding for your cannabis business. - [TSB Event Survey](https://www.tiogabank.com/eventsurvey/) - Share your feedback with the TSB Post Event Survey. Tell Tioga State Bank about your seminar experience and help us improve future events. - [TSB Foundation](https://www.tiogabank.com/tsb-foundation/) - Learn how the TSB Foundation supports nonprofits and local communities through grants, charitable giving, and community partnerships across New York & Pennsylvania. - [About Us](https://www.tiogabank.com/tsb-foundation/about-us/) - Learn about the TSB Foundation, its mission, and how it supports nonprofits and strengthens communities across the Southern Tier of New York & Northern Pennsylvania. - [Board](https://www.tiogabank.com/tsb-foundation/boards/) - Meet the TSB Foundation Board and leadership team dedicated to supporting charitable giving and strengthening communities across the Southern Tier and Northern Pennsylvania. - [Contact Us](https://www.tiogabank.com/tsb-foundation/contact-us/) - Contact the TSB Foundation with questions about grants, applications, or funding opportunities. Get in touch with our team or sign in to your grant account. - [Grant Applicants](https://www.tiogabank.com/tsb-foundation/grant-applicants/) - Learn how to apply for a TSB Foundation grant. Find funding guidelines, eligibility, grant categories, and submit your application online. - [Grant Recipients](https://www.tiogabank.com/tsb-foundation/grant-recipients/) - Explore TSB Foundation Grant Recipients and see how Tioga State Bank supports local nonprofits, community organizations, and charitable initiatives. - [News](https://www.tiogabank.com/tsb-foundation/news/) - Read the latest TSB Foundation News, including community donations, local initiatives, and charitable efforts supported by Tioga State Bank. - [TSB JC Student Office](https://www.tiogabank.com/jc-student-office/) - Visit the TSB Johnson City Student Office for student-run banking services, including accounts, deposits, withdrawals, and financial education. - [TSB Johnson City Grand Opening Home Equity Loan Special](https://www.tiogabank.com/home-equity-loan-special/) - Enjoy special Home Equity Loan rates during the Tioga State Bank Johnson City Grand Opening. Apply today for competitive fixed-rate financing. - [Update Center](https://www.tiogabank.com/update-center/) - Stay informed with the TSB Update Center. View service alerts, scheduled maintenance, security updates, and fraud warnings from Tioga State Bank. - [Video Banking](https://www.tiogabank.com/video-banking/) - Connect with Tioga State Bank through Video Banking. Get personalized account support, online banking assistance, and secure face-to-face service from anywhere. - [We make a great pair](https://www.tiogabank.com/we-make-a-great-pair/) - Discover Business Financial Services from Tioga State Bank, including business lending, retirement planning, investing, and local banking support. - [Welcome to TSB - Let’s Make Your Everyday Banking Just as Easy](https://www.tiogabank.com/everyday-banking-new/) - Contact Tioga State Bank to learn more about checking, savings, online banking, mortgages, investments, and other financial services. - [We'd make a great pair](https://www.tiogabank.com/wed-make-a-great-pair/) - Discover Business Banking from Tioga State Bank. Explore checking, savings, loans, and banking services designed to help businesses grow and succeed. - [Email Spoofing](https://www.tiogabank.com/resources/email-spoof/) - Learn how to recognize Email Spoofing, avoid phishing attempts, and protect your personal and financial information with security tips from Tioga State Bank. - [Your Money. Your Terms. Special](https://www.tiogabank.com/your-terms-cd-special/) - Take advantage of a limited-time CD & IRA Special from Tioga State Bank. Choose a 7–20 month term and earn a competitive APY on qualifying deposits. - [Disaster Scams](https://www.tiogabank.com/resources/disaster-scams/) - Learn how to recognize Disaster Scams and protect yourself from fraud after emergencies. Get safety tips and scam prevention advice from Tioga State Bank. - [Digital Banking Security Features](https://www.tiogabank.com/resources/digital-banking-security/) - Protect your accounts with Digital Banking Security Features from Tioga State Bank. Learn how to use alerts, multi-factor authentication, card controls, & more. - [Deep Fake](https://www.tiogabank.com/resources/deep-fake/) - Learn how to recognize and avoid Deep Fake Fraud. Tioga State Bank shares tips to spot AI-powered scams and protect your personal and financial information. - [Dark Web Monitoring](https://www.tiogabank.com/resources/dark-web/) - Protect your business with Dark Web Monitoring from Tioga State Bank. Detect potential data exposure early and strengthen your defenses against fraud. - [Cybersecurity](https://www.tiogabank.com/resources/cybersecurity/) - Protect your personal and business information with cybersecurity tips from Tioga State Bank. Learn how to prevent scams, malware, phishing, and cyberattacks. - [Credit Report](https://www.tiogabank.com/resources/credit-report/) - Learn how to request your free annual Credit Report and review it for errors. Tioga State Bank shares tips to help protect your financial identity. - [Contact Us](https://www.tiogabank.com/resources/contact-us/) - Contact Tioga State Bank by phone, mail, or online. Reach our customer service team serving Binghamton, Vestal, Owego, and surrounding communities. - [Consumer Alert: Equifax Data Breach](https://www.tiogabank.com/resources/consumer-alerts/consumer-alert-equifax-data-breach/) - Learn how to protect your personal information after the Equifax Data Breach. Review security tips and identity theft prevention guidance from Tioga State Bank. - [Consumer Alerts](https://www.tiogabank.com/resources/consumer-alerts/) - Stay informed with Consumer Alerts from Tioga State Bank. Learn how to avoid online scams, protect your personal information, and shop safely online. - [Community Reinvestment Act Public Files](https://www.tiogabank.com/resources/cra/) - Access the Tioga State Bank Community Reinvestment Act Public File, including CRA reports, assessment area maps, HMDA data, notices, and related disclosures. - [2019 Scholarship Winners](https://www.tiogabank.com/resources/community/scholarships/2019-scholarship-winners/) - Meet the 2019 Scholarship Winners recognized by Tioga State Bank. Congratulations to outstanding local students pursuing higher education. - [2018 Scholarship Winners](https://www.tiogabank.com/resources/community/scholarships/2018-scholarship-winners/) - Meet the 2018 Scholarship Winners recognized by Tioga State Bank. Congratulations to outstanding students from local high schools and community colleges. - [2017 Scholarship Winners](https://www.tiogabank.com/resources/community/scholarships/2017-scholarship-winners/) - Meet the 2017 Scholarship Winners recognized by Tioga State Bank. Congratulations to outstanding students from local high schools and community colleges. - [TSB Tap2Local](https://www.tiogabank.com/personal-banking/online-banking/tap2local/) - Accept contactless payments with TSB Tap2Local. Take tap-to-pay, payment links, QR code, and mobile payments directly from your smartphone. - [TSB Online Banking FAQs](https://www.tiogabank.com/personal-banking/online-banking/tsb-online-banking-faqs/) - Find answers to frequently asked questions about Tioga State Bank Online Banking, including enrollment, passwords, security, transfers, and account access. - [Travel Notices](https://www.tiogabank.com/personal-banking/online-banking/travel-notices/) - Set Travel Notices through Tioga State Bank Online Banking to help prevent card interruptions while traveling. Easily schedule domestic travel notifications online. - [Online Information & Security](https://www.tiogabank.com/personal-banking/online-banking/online-information-security/) - Protect your identity with Tioga State Bank's online banking security features. Learn how TSB helps safeguard your accounts and personal information. - [Online Banking](https://www.tiogabank.com/personal-banking/online-banking/) - Manage your finances with Tioga State Bank Online Banking. Pay bills, transfer funds, deposit checks, manage cards, and access your accounts anytime. - [MyCardRules](https://www.tiogabank.com/personal-banking/mycardrules/) - Manage your Tioga State Bank debit cards with MyCardRules™. Turn cards on or off, set spending limits, receive alerts, and control card activity anytime. - [No Closing Cost Mortgage](https://www.tiogabank.com/personal-banking/mortgage-center/no-closing-cost-mortgage/) - Save on upfront costs with a No Closing Cost Mortgage from Tioga State Bank. Available for home purchases and refinancing with flexible loan terms. - [Mortgage Tips](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-tips/) - Explore Mortgage Tips from Tioga State Bank. Learn about home financing, credit, construction loans, and more for homebuyers in New York and Pennsylvania. - [Mortgage Testimonials](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-testimonials/) - Read Mortgage Testimonials from Tioga State Bank customers in Binghamton, Vestal, Owego, and nearby communities who trusted us with their home financing. - [Jumbo Mortgage](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-loans/jumbo-mortgage/) - Finance a higher-value home with Jumbo Home Loans from Tioga State Bank in Binghamton, Vestal, Owego, and nearby communities. Competitive financing for qualified buyers. - [Special Interest Loans](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-loans/special-interest-loans/) - Explore Special Interest Loans from Tioga State Bank for land, manufactured homes, second homes, and investment properties. - [Fixed-Rate Mortgage](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-loans/fixed-rate-mortgage/) - Choose a Fixed-Rate Mortgage from Tioga State Bank in Binghamton, Vestal, Owego, and nearby communities. Enjoy predictable payments and flexible loan terms. - [First Time Homebuyer Mortgage](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-loans/first-time-homebuyer-mortgage/) - Buy your first home with a First Time Homebuyer Mortgage from Tioga State Bank in Binghamton, Vestal, Owego, & nearby communities. Explore grants & flexible loan options. - [Construction Mortgage](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-loans/construction-mortgage/) - Build your dream home with a Construction Mortgage from Tioga State Bank in Binghamton, Vestal, Owego, and nearby communities. Enjoy one closing & flexible financing. - [Adjustable-Rate Mortgage](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-loans/adjustable-rate-mortgage/) - Explore Adjustable-Rate Mortgage options from Tioga State Bank in Binghamton, Vestal, Owego, and nearby communities. Compare 5/1, 10/10, and 15/15 ARM loans. - [Mortgage Loans](https://www.tiogabank.com/personal-banking/mortgage-center/mortgage-loans/) - Explore Home Mortgage Loans from Tioga State Bank in Binghamton, Vestal, Owego, and nearby communities. Compare fixed-rate, adjustable-rate, construction, & jumbo mortgages. - [Home Equity Loans](https://www.tiogabank.com/personal-banking/mortgage-center/home-equity-loans/) - Finance home improvements or other expenses with Home Equity Loans from Tioga State Bank. Explore fixed-rate loans & flexible HELOC options with competitive rates. - [Contact a Mortgage Lender](https://www.tiogabank.com/personal-banking/mortgage-center/contact-a-mortgage-lender/) - Contact a Tioga State Bank Mortgage Lender for personalized home loan guidance. Schedule an appointment or request information about buying, refinancing, or building a home. - [Mortgage Center](https://www.tiogabank.com/personal-banking/mortgage-center/) - Find the right home loan at the Tioga State Bank Mortgage Center. Explore mortgage options, connect with local lenders, and enjoy personalized guidance from application to closing. - [Samsung Pay](https://www.tiogabank.com/personal-banking/mobile-wallet/samsung-pay/) - Use Samsung Pay with your Tioga State Bank Mastercard® for fast, secure, and contactless payments while earning your card rewards on eligible purchases. - [Google Pay](https://www.tiogabank.com/personal-banking/mobile-wallet/google-pay/) - Use Google Pay™ with your Tioga State Bank Mastercard® for fast, secure, and contactless payments in stores, apps, and online with your Android device. - [Apple Pay](https://www.tiogabank.com/personal-banking/mobile-wallet/apple-pay/) - Use Apple Pay® with your Tioga State Bank Mastercard® for fast, secure, and contactless payments in stores, online, and in apps using your Apple devices. - [Mobile Wallet](https://www.tiogabank.com/personal-banking/mobile-wallet/) - Make secure, contactless purchases with Mobile Wallet Payments from Tioga State Bank. Add your debit card to Apple Pay®, Google Pay®, or Samsung Pay®. - [Mobile Check Deposit FAQS](https://www.tiogabank.com/personal-banking/mobile-check-deposit/mobile-check-deposit-faqs/) - Find answers to frequently asked questions about Tioga State Bank Mobile Check Deposit, including eligibility, deposit limits, endorsements, and processing times. - [Mobile Check Deposit](https://www.tiogabank.com/personal-banking/mobile-check-deposit/) - Deposit checks anytime with Mobile Check Deposit from Tioga State Bank. Use the TSB Mobile App to securely deposit checks from your Apple or Android device. - [Lending Solutions](https://www.tiogabank.com/personal-banking/lending-solutions/) - Explore Lending Solutions from Tioga State Bank. From personal and auto loans to mortgages, our local lenders provide personalized financing for your needs. - [External Transfers](https://www.tiogabank.com/personal-banking/external-transfers/) - Transfer funds securely between your Tioga State Bank & external accounts. Schedule one-time or recurring transfers through Online Banking or the TSB Mobile App. - [eStatements FAQs](https://www.tiogabank.com/personal-banking/estatements-edocuments/estatements-faqs/) - Find answers to frequently asked questions about Tioga State Bank eStatements, including security, email notifications, enrollment, and account settings. - [eStatements & eDocuments](https://www.tiogabank.com/personal-banking/estatements-edocuments/) - Go paperless with eStatements & eDocuments from Tioga State Bank. Securely view, download, and manage statements, notices, and tax documents online. - [Deposit Automated ATMs](https://www.tiogabank.com/personal-banking/deposit-automated-atms/) - Deposit checks and cash quickly with Tioga State Bank's Deposit Automated ATMs. Deposit up to 30 checks or 50 bills at participating TSB locations. - [Debit Card Lock](https://www.tiogabank.com/personal-banking/debit-card-lock/) - Lock or unlock your Tioga State Bank Debit Card anytime through Online Banking or the TSB Mobile App for added security and control over your account. - [Online Bill Pay](https://www.tiogabank.com/personal-banking/online-bill-pay/) - Pay bills quickly and securely with Tioga State Bank Online Bill Pay. Schedule one-time or recurring payments, track payment history, and save time every month. - [TSB Online Bill Pay FAQs](https://www.tiogabank.com/personal-banking/online-bill-pay/tsb-online-bill-pay-faqs/) - Find answers to frequently asked questions about Tioga State Bank Online Bill Pay, including enrollment, payments, security, processing times, and benefits. - [Overdraft Line of Protection](https://www.tiogabank.com/personal-banking/overdraft-line-of-protection/) - Protect your checking account with Tioga State Bank's Overdraft Line of Protection. Access additional funds when you need them and help prevent overdrafts. - [Credit Cards](https://www.tiogabank.com/personal-banking/credit-cards/) - Choose the right Credit Card from Tioga State Bank. Compare cash back, rewards, low-rate, and credit-building options with Zero Fraud Liability. - [Cure the Blue 5K](https://www.tiogabank.com/curetheblue5k/) - Join Tioga State Bank's No Shave November / Cure the Blue 5K to support prostate cancer awareness and fundraising. Register today. - [Contactless Payment Options](https://www.tiogabank.com/personal-banking/contactless-payment-options/) - Make secure, contactless payments with Tioga State Bank. Use Mobile Wallet, Mobile Check Deposit, Online Bill Pay, and Pay a Person for fast, convenient banking. - [Simple Start Checking](https://www.tiogabank.com/personal-banking/checking-accounts/simple-start-checking/) - Start or rebuild your banking relationship with Simple Start Checking from Tioga State Bank. Enjoy a low opening deposit, digital banking, and the opportunity to upgrade after 12 months. - [Simple Checking](https://www.tiogabank.com/personal-banking/checking-accounts/simple-checking/) - Open a Simple Checking account with Tioga State Bank. Enjoy no minimum balance, no monthly service charges, a free debit card, and convenient digital banking tools. - [Generation 55+ Checking](https://www.tiogabank.com/personal-banking/checking-accounts/generation-55-checking/) - Enjoy free checking designed for adults 55 and older with Generation 55+ Checking from Tioga State Bank. Get free checks, no monthly fees, and digital banking tools. - [Bonus Rewards Checking](https://www.tiogabank.com/personal-banking/checking-accounts/bonus-rewards-checking/) - Earn more with Bonus Rewards Checking from Tioga State Bank. Enjoy competitive interest, ATM fee rebates, cash back rewards, and free digital banking tools. - [Checking Accounts](https://www.tiogabank.com/personal-banking/checking-accounts/) - Find the right Checking Account at Tioga State Bank. Compare Bonus Rewards, Simple, Generation 55+, Youth, and Simple Start checking options to fit your needs. - [Individual Retirement Accounts (IRAs)](https://www.tiogabank.com/personal-banking/cd-ira-products/individual-retirement-accounts-iras/) - Plan for retirement with Individual Retirement Accounts (IRAs) from Tioga State Bank. Explore Traditional, Roth, and SEP IRA options with potential tax advantages. - [Certificates of Deposit (CDs)](https://www.tiogabank.com/personal-banking/cd-ira-products/certificates-of-deposit-cds/) - Grow your savings with Certificates of Deposit (CDs) from Tioga State Bank. Lock in competitive rates with flexible terms and FDIC-insured security. - [CDARS](https://www.tiogabank.com/personal-banking/cd-ira-products/cdars/) - Protect large deposits with CDARS® from Tioga State Bank. Access multi-million dollar FDIC insurance, competitive CD rates, and the convenience of one bank and one statement. - [CD Laddering](https://www.tiogabank.com/personal-banking/cd-ira-products/cd-laddering/) - Build a flexible investment strategy with CD Laddering at Tioga State Bank. Earn competitive rates while maintaining regular access to maturing Certificates of Deposit. - [CD / IRA Products](https://www.tiogabank.com/personal-banking/cd-ira-products/) - Grow your savings with CD & IRA Accounts from Tioga State Bank. Explore Certificates of Deposit, IRAs, CD laddering, and secure retirement savings options. - [Auto Loans](https://www.tiogabank.com/personal-banking/auto-loans/) - Finance your next vehicle with Auto Loans from Tioga State Bank. Enjoy competitive rates, fast approvals, and personalized lending for new and used vehicles. - [TSB Debit Card FAQs](https://www.tiogabank.com/personal-banking/atm-debit-cards/tsb-debit-card-faqs/) - Find answers to common Tioga State Bank Debit Card questions, including fraud protection, compromised cards, PINs, replacement cards, and account security. - [MasterCard 3D Secure FAQs](https://www.tiogabank.com/personal-banking/atm-debit-cards/mastercard-3d-secure-faqs/) - Find answers to frequently asked questions about Mastercard 3D Secure, including enrollment, one-time passwords, account security, and fraud protection. - [Contactless Payments](https://www.tiogabank.com/personal-banking/atm-debit-cards/contactless-payments/) - Make fast, secure purchases with Contactless Payments from Tioga State Bank. Simply Tap & Go with your Mastercard® wherever contactless payments are accepted. - [ATM / Debit Cards](https://www.tiogabank.com/personal-banking/atm-debit-cards/) - Manage everyday banking with the Tioga State Bank Debit Card. Enjoy fee-free TSB ATM access, secure purchases, fraud protection, and convenient account access. - [Personal Banking](https://www.tiogabank.com/personal-banking/) - Explore Personal Banking Services at Tioga State Bank, including checking, savings, online banking, mobile banking, and credit card solutions. - [Online Banking Enrollment](https://www.tiogabank.com/online-banking-enrollment/) - Enroll in Tioga State Bank Online Banking to securely manage your accounts, transfer funds, pay bills, and access your finances anytime, anywhere. - [My Business, My Bank](https://www.tiogabank.com/my-business-my-bank/) - Discover Business Banking solutions from Tioga State Bank, including business checking, savings, loans, and personalized financial support for local businesses. - [Mortgage Tips, Tricks & Inside Information Video Library](https://www.tiogabank.com/mortgagevideos/) - Explore Tioga State Bank's Mortgage Tips & Video Library for expert guidance on land loans, adjustable-rate mortgages, and other home financing options. - [Mortgage Tips, Tricks & Inside Information](https://www.tiogabank.com/mortgage-view-the-video/) - Access mortgage tips, videos, and expert guidance from Tioga State Bank. Register to learn more about the home buying and mortgage process. - [Mortgage Customer Experience Survey](https://www.tiogabank.com/mortgage-survey/) - Share your feedback with the Tioga State Bank Mortgage Customer Survey. Tell us about your home loan experience and help us improve our mortgage services. - [TSB Mobile Banking FAQs](https://www.tiogabank.com/mobile-banking/tsb-mobile-banking-faqs/) - Find answers to common Mobile Banking questions from Tioga State Bank, including enrollment, bill pay, transfers, mobile devices, security, and troubleshooting. - [Mobile Web Banking](https://www.tiogabank.com/mobile-banking/mobile-web-banking/) - Access your Tioga State Bank accounts securely with Mobile Web Banking. View balances, transfer funds, pay bills, and manage your finances from any mobile browser. - [Mobile App FAQs](https://www.tiogabank.com/mobile-banking/mobile-app/mobile-app-faqs/) - Find answers to frequently asked questions about the Tioga State Bank Mobile Banking App, including security, features, setup, and mobile banking requirements. - [Mobile App](https://www.tiogabank.com/mobile-banking/mobile-app/) - Download the Tioga State Bank Mobile Banking App to deposit checks, pay bills, transfer funds, manage cards, and securely access your accounts anytime. - [Mobile Banking](https://www.tiogabank.com/mobile-banking/) - Bank anytime with Mobile Banking from Tioga State Bank. Deposit checks, manage accounts, transfer funds, and access secure banking from your smartphone or tablet. - [Make the Most of Your TSB Relationship](https://www.tiogabank.com/make-the-most-existing/) - Contact Tioga State Bank to learn more about checking, savings, CDs, home equity loans, digital banking, and other financial services tailored to your needs. - [Locations and Hours](https://www.tiogabank.com/locations-and-hours/) - Find Tioga State Bank locations, branch hours, ATM locations, and contact information across New York, including Binghamton, Owego, Vestal, and Spencer. - [Tioga State Investment Services, Representatives](https://www.tiogabank.com/investment-services-2/tioga-state-investment-services-representatives/) - Meet Conor Hogan, Financial Advisor at Tioga State Investment Services. Get personalized guidance for investing, retirement planning, and achieving your financial goals. - [Personal Loans](https://www.tiogabank.com/personal-banking/personal-loans/) - Finance life's big purchases with Personal Loans from Tioga State Bank. Enjoy competitive rates, fast approvals, and flexible lending solutions tailored to your needs. - [Apply For A Loan](https://www.tiogabank.com/personal-banking/personal-loans/apply-for-a-loan/) - Apply for a Personal Loan with Tioga State Bank. Enjoy competitive rates, flexible financing options, and personalized service from our local lending team. - [Quilo](https://www.tiogabank.com/personal-banking/personal-loans/quilo/) - Log in to your Quilo account through Tioga State Bank to manage your account, make payments, and access your loan information securely. - [Savings Accounts](https://www.tiogabank.com/personal-banking/savings-accounts/) - Find the right Savings Account at Tioga State Bank. Compare statement, investment, youth, HSA, money market, and specialty savings options to reach your goals. - [Generation 55+ Savings](https://www.tiogabank.com/personal-banking/savings-accounts/generation-55-savings/) - Grow your savings with a Generation 55+ Savings Account from Tioga State Bank. Earn competitive interest and enjoy free Online Banking, Mobile Banking, and ATM access. - [Health Savings Account (HSA)](https://www.tiogabank.com/personal-banking/savings-accounts/health-savings-account-hsa/) - Manage healthcare expenses with a Health Savings Account (HSA) from Tioga State Bank. Enjoy competitive rates, a debit card, and convenient digital banking access. - [High Yield Money Market Investment](https://www.tiogabank.com/personal-banking/savings-accounts/high-yield-money-market-investment/) - Grow your savings with a High Yield Money Market Account from Tioga State Bank. Earn tiered interest while enjoying secure access and digital banking services. - [Holiday Club](https://www.tiogabank.com/personal-banking/savings-accounts/holiday-club/) - Save for the holidays or your next vacation with a Holiday Club Savings Account from Tioga State Bank. Earn interest while building your savings automatically. - [Investment Savings](https://www.tiogabank.com/personal-banking/savings-accounts/investment-savings/) - Earn more with an Investment Savings Account from Tioga State Bank. Enjoy tiered interest rates, convenient account access, and free digital banking services. - [Next Generation Youth Savings Accounts](https://www.tiogabank.com/personal-banking/savings-accounts/next-generation-youth-savings-accounts/) - Help kids and young adults build lifelong savings habits with Youth Savings Accounts from Tioga State Bank, featuring age-based benefits and digital banking tools. - [Statement Savings](https://www.tiogabank.com/personal-banking/savings-accounts/statement-savings/) - Grow your savings with a Statement Savings Account from Tioga State Bank. Earn interest while enjoying Online Banking, Mobile Banking, and ATM access. - [Telephone Banking](https://www.tiogabank.com/personal-banking/telephone-banking/) - Access your accounts anytime with Tioga State Bank Telephone Banking. Check balances, transfer funds, make payments, and manage your debit card by phone. - [TSB Rapid Transfers](https://www.tiogabank.com/personal-banking/rapid/) - Transfer money instantly with Tioga State Bank Rapid Transfers, available for customers in Binghamton, Vestal, and Owego. - [Youth Accounts](https://www.tiogabank.com/personal-banking/youth-accounts/) - Help young savers build smart financial habits with Youth Bank Accounts from Tioga State Bank, featuring checking, savings, mobile banking, and exclusive perks. - [Boards](https://www.tiogabank.com/resources/about/boards/) - Meet the Tioga State Bank Board of Directors and Community Advisory Board, providing leadership, oversight, and guidance for the bank's continued success. - [Careers](https://www.tiogabank.com/resources/about/careers/) - Explore career opportunities at Tioga State Bank. Discover current openings, employee benefits, workplace culture, and why we're recognized as a Best Bank to Work For. - [Employee Celebrations](https://www.tiogabank.com/resources/about/employee-celebrations/) - See how Tioga State Bank recognizes and celebrates its employees through workplace awards, appreciation events, and a culture focused on community and excellence. - [Events](https://www.tiogabank.com/resources/about/events/) - Stay informed about upcoming events, community initiatives, and special programs hosted by Tioga State Bank throughout the year. - [Community Banking Month](https://www.tiogabank.com/resources/about/events/community-banking-month/) - Learn how Tioga State Bank celebrates Community Banking Month by supporting local businesses, strengthening communities, and recognizing the value of community banking. - [History & Mission](https://www.tiogabank.com/resources/about/history-mission/) - Learn about Tioga State Bank's history, mission, and core values, and discover its longstanding commitment to serving local communities across New York. - [Holiday Hours](https://www.tiogabank.com/resources/about/holiday-hours/) - View the Tioga State Bank holiday schedule and office closures. Online Banking, Mobile Banking, and 24-hour ATMs are available year-round. - [Leadership](https://www.tiogabank.com/resources/about/leadership/) - Meet the experienced leadership team at Tioga State Bank and learn about the executives guiding the bank's operations, lending, finance, and technology. - [News & Announcements](https://www.tiogabank.com/resources/about/news-announcements/) - Stay up to date with the latest news, community involvement, financial education, awards, and announcements from Tioga State Bank. - [Tioga State Bank Receives 5-Star Rating](https://www.tiogabank.com/resources/about/tioga-state-bank-receives-5-star-rating/) - Tioga State Bank has earned BauerFinancial's 5-Star Rating and Best of Bauer designation, recognizing its financial strength, stability, and performance. - [Website Security & Copyright](https://www.tiogabank.com/resources/about/website-security-copyright/) - Learn about Tioga State Bank's website security, privacy practices, cookie policy, SSL encryption, and copyright information to help protect your personal information. - [Advanced Fee Fraud](https://www.tiogabank.com/resources/fee-fraud/) - Learn how to recognize and avoid advance fee fraud with practical prevention tips from Tioga State Bank. Protect yourself from scams and financial loss. - [At Risk Adult Fraud](https://www.tiogabank.com/resources/at-risk-adult/) - Learn how to recognize and prevent financial exploitation of at-risk adults with fraud prevention tips from Tioga State Bank to help protect loved ones and finances. - [Check Fraud](https://www.tiogabank.com/resources/check-fraud/) - Learn how to prevent check fraud with practical security tips from Tioga State Bank. Protect your finances by recognizing scams and safeguarding your accounts. - [Clicking on Links](https://www.tiogabank.com/resources/links/) - Learn how to identify and avoid fraudulent links with practical cybersecurity tips from Tioga State Bank to help protect your personal and business information. - [Community](https://www.tiogabank.com/resources/community/) - Discover Tioga State Bank's commitment to community involvement through volunteerism, charitable giving, internships, and scholarships that support local communities. - [12 Days of Go Local Giveaways - Day 12](https://www.tiogabank.com/resources/community/tsbgiveaway/) - Learn about Tioga State Bank's past 12 Days of Go Local Giveaways promotion, celebrating local communities with holiday cash prize giveaways. - [Care for the Community](https://www.tiogabank.com/resources/community/care-for-the-community/) - See how Tioga State Bank supports local communities through charitable giving, volunteerism, and partnerships with schools and nonprofit organizations. - [Scholarships](https://www.tiogabank.com/resources/community/scholarships/) - Learn about Tioga State Bank's Student Scholarships supporting local high school students who demonstrate academic achievement, service, and community involvement. - [Tioga State Investment Services Event RSVP](https://www.tiogabank.com/investment-services-2/tioga-state-investment-services-rsvp/) - RSVP for a Tioga State Investment Services event. Confirm your attendance or let us know if you're unable to attend using the online RSVP form. - [Tioga State Investment Services](https://www.tiogabank.com/investment-services-2/tioga-state-investment-services/) - Read a past Client Message from LPL Financial, available through Tioga State Investment Services, with insights on financial markets and investing. - [Personal Retirement](https://www.tiogabank.com/investment-services-2/retirement-planning/personal-retirement/) - Plan for retirement with Tioga State Investment Services. Explore Traditional and Roth IRA options and receive personalized guidance to achieve your retirement goals. - [Business Retirement](https://www.tiogabank.com/investment-services-2/retirement-planning/business-retirement/) - Explore Business Retirement Plans from Tioga State Investment Services, including 401(k), SEP IRA, SIMPLE IRA, and other retirement solutions for employers. - [Retirement Planning](https://www.tiogabank.com/investment-services-2/retirement-planning/) - Plan for the future with Retirement Planning from Tioga State Investment Services. Explore personalized retirement strategies for individuals and businesses. - [Money Management](https://www.tiogabank.com/investment-services-2/investing-advising/money-management/) - Discover Money Management Services from Tioga State Investment Services. Get professional portfolio management and personalized investment strategies through LPL Financial. - [Brokerage Services](https://www.tiogabank.com/investment-services-2/investing-advising/brokerage-services/) - Explore Brokerage Services from Tioga State Investment Services. Receive personalized investment guidance and build a portfolio aligned with your financial goals. - [Investing & Advising](https://www.tiogabank.com/investment-services-2/investing-advising/) - Explore Investment Advising and Brokerage Services from Tioga State Investment Services. Access personalized investment strategies and managed account solutions. - [Long-Term Care Insurance](https://www.tiogabank.com/investment-services-2/insurance/long-term-care-insurance/) - Explore Long-Term Care Insurance with Tioga State Investment Services. Protect your savings and prepare for future care needs with personalized guidance. - [Life Insurance](https://www.tiogabank.com/investment-services-2/insurance/life-insurance/) - Find the right Life Insurance policy with Tioga State Investment Services. Compare coverage options and get personalized guidance to help protect your loved ones. - [Disability Insurance](https://www.tiogabank.com/investment-services-2/insurance/disability-insurance/) - Protect your income with Disability Insurance from Tioga State Investment Services. Explore coverage options designed to help safeguard your financial future. - [Insurance](https://www.tiogabank.com/investment-services-2/insurance/) - Protect your future with Insurance Services from Tioga State Investment Services, including life, long-term care, and disability insurance solutions. - [Estate Planning](https://www.tiogabank.com/investment-services-2/estate-planning/) - Protect your legacy with Estate Planning Services from Tioga State Investment Services. Work with experienced advisors to help preserve and transfer your assets. - [Contact Tioga State Investment Services](https://www.tiogabank.com/investment-services-2/contact-tioga-state-investment-services/) - Contact Tioga State Investment Services in Owego, NY to schedule a consultation for retirement planning, investing, insurance, and financial guidance. - [About Tioga State Investment Services](https://www.tiogabank.com/investment-services-2/about-tioga-state-investment-services/) - Learn about Tioga State Investment Services and explore personalized financial planning, retirement, insurance, and investment solutions. - [Investment Services](https://www.tiogabank.com/investment-services/) - Schedule a free consultation with Tioga State Investment Services. Get expert help with financial planning, retirement, insurance, and investing. - [ITM FAQs](https://www.tiogabank.com/interactive-teller-machines/itm-faqs/) - Find answers to common questions about Tioga State Bank's Interactive Teller Machines (ITMs), including features, transactions, locations, and benefits. - [Home Equity](https://www.tiogabank.com/homeequity/) - Compare Home Equity Loans and HELOCs from Tioga State Bank in Binghamton, Vestal, and Owego, NY. Finance home improvements and more. - [Gift Card Offer](https://www.tiogabank.com/jc-gc-offer/) - Open your first checking account at Tioga State Bank's Johnson City office and receive a $50 Cacciatore's gift card. Limited-time offer. - [Exclusive Offer: Simple Business Checking Plus](https://www.tiogabank.com/simple-business-checking-plus/) - Open a Simple Business Checking Plus account with Tioga State Bank and enjoy exclusive business banking benefits for your first 12 months. - [Covid 19](https://www.tiogabank.com/covid-19/) - View archived COVID-19 updates and customer assistance information previously provided by Tioga State Bank during the coronavirus pandemic. - [Contact Us For A Construction Loan](https://www.tiogabank.com/construction-loan-contact/) - Finance your new construction project with a Construction Loan from Tioga State Bank in Binghamton, Vestal, and Owego, NY. Contact us today. - [Car and Truck Show](https://www.tiogabank.com/car-and-truck-show/) - Join the 21st Annual TSB Car and Truck Show in Waverly, NY. Enjoy classic vehicles, spectator awards, and a free community event. Learn more. - [Cannabis Customer Experience Survey](https://www.tiogabank.com/cannabis-survey/) - Share your feedback on Tioga State Bank's Cannabis Banking services. Complete our customer experience survey and help us improve your banking experience. - [Business Deposit Accounts](https://www.tiogabank.com/business-deposits/) - Explore Business Deposit Accounts from Tioga State Bank in Binghamton, Vestal, and Owego, NY. Find checking, savings, and CD options. Contact us today. - [Small Business Spotlight Form](https://www.tiogabank.com/business-banking/small-business-spotlight/small-business-spotlight-form/) - Apply for Tioga State Bank's Small Business Spotlight and share your business story through our website, social media, and #GoLocal Wednesday feature. - [Small Business Spotlight](https://www.tiogabank.com/business-banking/small-business-spotlight/) - Discover local business success stories through Tioga State Bank's Small Business Spotlight and see how entrepreneurs are making an impact in our communities. - [Government Banking](https://www.tiogabank.com/business-banking/government-banking/) - Tioga State Bank provides Government Banking services, depository solutions, and tax-exempt financing for municipalities and public entities. Contact us today. - [Emergency Responder Financing](https://www.tiogabank.com/business-banking/emergency-responder-financing/) - Finance emergency vehicles, equipment, and facility upgrades with Emergency Responder Financing from Tioga State Bank. Contact us today. - [Customized Business Banking Solutions](https://www.tiogabank.com/business-banking/businessbankingsuite/) - Explore Business Banking solutions from Tioga State Bank in Binghamton, Vestal, and Owego, NY, including checking, savings, and lending. Contact us today. - [Contact A Business Banking Specialist](https://www.tiogabank.com/business-banking/contact-a-business-banking-specialist/) - Connect with a Tioga State Bank Business Banking Specialist serving Binghamton, Vestal, and Owego, NY. Find contact information and get expert guidance for your business banking needs. - [Business Certificates of Deposit (CDs)](https://www.tiogabank.com/business-banking/business-savings/business-certificates-of-deposit-cds/) - Tioga State Bank offers Business Certificates of Deposit (CDs) with flexible terms & interest payment options to support your savings goals. Contact us to learn more. - [Business High Yield Money Market Investment](https://www.tiogabank.com/business-banking/business-savings/business-high-yield-money-market-investment/) - Tioga State Bank's Business High Yield Money Market Account offers competitive rates, easy access to funds, and secure business savings. Contact us today. - [Business Investment Savings](https://www.tiogabank.com/business-banking/business-savings/business-investment-savings/) - Tioga State Bank's Business Investment Savings Account offers competitive interest rates for businesses maintaining qualifying balances. Contact us today. - [Business Statement Savings](https://www.tiogabank.com/business-banking/business-savings/business-statement-savings/) - Tioga State Bank's Business Statement Savings Account helps businesses grow savings while maintaining easy access to funds. Contact us today. - [Business Services](https://www.tiogabank.com/business-banking/business-services/) - Explore Business Banking Services from Tioga State Bank, including cash management, business loans, merchant services, payroll solutions, and more. Contact us today. - [ACH / AFT / Wires](https://www.tiogabank.com/business-banking/business-services/ach-aft-wires/) - Manage business payments with ACH, wire transfers, and AFT services from Tioga State Bank. Move funds securely and efficiently between accounts. Get started today. - [Same Day ACH](https://www.tiogabank.com/business-banking/business-services/ach-aft-wires/same-day-ach/) - Tioga State Bank's Same Day ACH service enables faster ACH payments for payroll, bill payments, transfers, and business transactions. Contact us today. - [Important Update For Cash Management Users](https://www.tiogabank.com/business-banking/business-services/digi-busi-products/cash-management-update/) - Learn about ISO 20022 wire transfer requirements and upcoming changes affecting wire payments and templates at Tioga State Bank. - [Credit & Debit Cards](https://www.tiogabank.com/business-banking/business-services/credit-debit-cards/) - Tioga State Bank offers Business Credit Cards and Debit Cards with rewards, cash back, expense management tools, and secure payment features. Apply today. - [Depository Service](https://www.tiogabank.com/business-banking/business-services/depository-service/) - Tioga State Bank offers Business Night Deposits in Binghamton, Vestal, and Owego, NY, allowing businesses to securely drop off deposits for next-business-day processing. - [Insurance](https://www.tiogabank.com/business-banking/business-services/insurance/) - Tioga State Bank offers Business Insurance solutions, including life insurance, long-term care insurance, and key person coverage. Contact us to learn more. - [Merchant Services](https://www.tiogabank.com/business-banking/business-services/merchant-services/) - Tioga State Bank offers Merchant Services powered by Genesis PPG, including credit card processing, POS systems, & mobile payments. Request a free evaluation today. - [Mobile Deposit for Business](https://www.tiogabank.com/business-banking/business-services/mobile-deposit-for-business/) - Tioga State Bank's Mobile Deposit for Business lets businesses deposit checks from a mobile device, save time, & improve cash flow. Contact us today to get started. - [Payroll Direct Deposit](https://www.tiogabank.com/business-banking/business-services/payroll-direct-deposit/) - Tioga State Bank offers Payroll Direct Deposit services that help businesses pay employees efficiently while reducing costs. Contact us today to get started. - [Remote Deposit Capture](https://www.tiogabank.com/business-banking/business-services/remote-deposit-capture/) - Tioga State Bank's Remote Deposit Capture lets businesses deposit checks securely from their office, improving cash flow while saving time and trips to the bank - [ZRent & ZDeposit](https://www.tiogabank.com/business-banking/business-services/zrent-zdeposit/) - Tioga State Bank offers ZRent and ZDeposit, digital tools that help landlords & property managers collect rent, manage security deposits, & simplify property operations. - [Cannabis Banking](https://www.tiogabank.com/business-banking/cannabis-banking/) - Tioga State Bank provides Cannabis Banking in New York for licensed dispensaries, cultivators, processors, & micro-businesses with secure, compliant banking solutions. - [Business Savings](https://www.tiogabank.com/business-banking/business-savings/) - Tioga State Bank offers Business Savings Accounts in Binghamton, Vestal, and Owego, NY, including money market accounts, savings accounts, and CDs. - [Standby Letters of Credit](https://www.tiogabank.com/business-banking/business-loans-2/standby-letters-of-credit/) - Tioga State Bank provides Standby Letters of Credit (SLOC) to help businesses demonstrate creditworthiness and secure contracts with confidence. - [Loans to Purchase Businesses](https://www.tiogabank.com/business-banking/business-loans-2/loans-to-purchase-businesses/) - Tioga State Bank offers Business Acquisition Loans in Binghamton, Vestal, and Owego, NY, with competitive rates and local lending decisions. - [Loan Participations and Guarantees](https://www.tiogabank.com/business-banking/business-loans-2/loan-participations-and-guarantees/) - Tioga State Bank offers SBA loans in Binghamton, Vestal, and Owego, NY, helping small businesses access government-backed financing and lending support. - [Lines of Credit](https://www.tiogabank.com/business-banking/business-loans-2/lines-of-credit/) - Tioga State Bank offers Business Lines of Credit in Binghamton, Vestal, and Owego, NY, with flexible terms to help businesses manage cash flow and growth. - [Commercial Real Estate Mortgages](https://www.tiogabank.com/business-banking/business-loans-2/commercial-real-estate-mortgages/) - Tioga State Bank offers Commercial Real Estate Mortgages in Binghamton, Vestal, and Owego, NY, for property purchases, construction projects, and refinancing. - [Business Equipment Loans](https://www.tiogabank.com/business-banking/business-loans-2/business-equipment-loans/) - Tioga State Bank offers Business Equipment Loans in Binghamton, Vestal, and Owego, NY, with competitive rates, flexible terms, and personalized lending support. - [Business Credit Cards](https://www.tiogabank.com/business-banking/business-loans-2/business-credit-cards/) - Explore business credit cards from Tioga State Bank, with options for cash back, rewards, low rates, and tools to help manage business expenses. - [Commercial Checking](https://www.tiogabank.com/business-banking/business-checking-2/commercial-checking/) - Tioga State Bank offers Commercial Checking in Binghamton, Vestal, and Owego for businesses with high transaction volumes and larger account balances. - [Commercial Interest Checking](https://www.tiogabank.com/business-banking/business-checking-2/commercial-interest-checking/) - Tioga State Bank offers Commercial Interest Checking for businesses and organizations, with tiered interest rates on checking account balances. - [Not-For-Profit Checking](https://www.tiogabank.com/business-banking/business-checking-2/not-for-profit-checking/) - Tioga State Bank offers Not-For-Profit Checking Accounts in Binghamton, Vestal, & Owego for 501(c)(3) organizations with no monthly maintenance or per-item fees. - [Simple Business Checking](https://www.tiogabank.com/business-banking/business-checking-2/simple-business-checking/) - Simple Business Checking from Tioga State Bank offers businesses in Binghamton, Vestal, and Owego a free checking option with digital banking tools. - [Zero Balance Checking](https://www.tiogabank.com/business-banking/business-checking-2/zero-balance-checking/) - Zero Balance Checking Accounts from Tioga State Bank allow businesses in Binghamton, Vestal, and Owego to transfer funds between linked accounts automatically. - [Business Loans](https://www.tiogabank.com/business-banking/business-loans-2/) - Tioga State Bank offers business loans in Binghamton, Vestal, and Owego with local decisions, flexible financing, and personalized lending support. - [Business Interest Checking](https://www.tiogabank.com/business-banking/business-checking-2/business-interest-checking/) - Tioga State Bank offers Business Interest Checking Accounts in Binghamton, Vestal, and Owego with competitive interest rates and convenient business banking tools. - [Business Clearing](https://www.tiogabank.com/business-banking/business-checking-2/business-clearing/) - Tioga State Bank offers Business Clearing Accounts for businesses in Binghamton, Vestal, and Owego that regularly transfer funds between financial institutions. - [Business Checking](https://www.tiogabank.com/business-banking/business-checking-2/) - Tioga State Bank offers business checking accounts in Binghamton, Vestal, and Owego, with options designed to meet a variety of business banking needs. - [VTI](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/vti/) - Vergason Technology, Inc. highlights a four-generation relationship with Tioga State Bank built on personal and business banking. - [Van Horn Jewelers](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/van-horn-jewelers/) - Van Horn Jewelers shares how Tioga State Bank has supported their family business across generations through trusted banking services. - [Teaoga Development](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/teaoga-development/) - Teaoga Development shares how Tioga State Bank supported community revitalization efforts through financing, grant coordination, & long-term development partnership. - [Peak Performance Physical Therapy](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/peak-performance-physical-therapy/) - Peak Performance Physical Therapy shares how Tioga State Bank supported business growth through financing, lending, and expansion funding. - [Nanticoke Gardens](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/nanticoke-gardens/) - Nanticoke Gardens shares their experience with Tioga State Bank, highlighting a trusted partnership built on seasonal financing, lending support, and community banking. - [Lupo's Spiedies](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/lupos-spiedies/) - Sam A. Lupo & Sons Inc. shares their experience with Tioga State Bank, highlighting long-term support through small business banking, lending, & financial partnership. - [Jeff Kies Auto Sales](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/jeff-kies-auto-sales/) - Jeff Kies Auto Sales partnered with Tioga State Bank to support long-term business growth through lending, local relationships, & personalized financial support. - [Butler Auto Sales](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/butler-auto-sales/) - See how Butler Auto Sales partnered with Tioga State Bank to grow their business through lending, cash management, and long-term financial support and guidance. - [Business Banking Testimonials](https://www.tiogabank.com/business-banking/business-banking-testimonials-2/) - See what business customers say about Tioga State Bank. Read testimonials highlighting our local lending, business banking services, and community partnerships. - [Autobooks](https://www.tiogabank.com/business-banking/autobooks/) - Tioga State Bank offers Autobooks, a digital invoicing and payment solution for businesses. Send invoices, accept payments, & manage cash flow through online banking. - [Business Banking](https://www.tiogabank.com/business-banking/) - Tioga State Bank offers business banking services in Binghamton, Vestal, and Owego, including checking, savings, packages, and loans with local lending support. - [Banking Built For Your Business](https://www.tiogabank.com/business-package-form/) - TSB offers flexible business banking solutions designed to support growth, including business accounts, packages, loans, and digital banking tools. - [Accessibility](https://www.tiogabank.com/resources/about/accessibility/) - Tioga State Bank is committed to accessibility, offering ADA-compliant banking services including talking ATMs, telephone banking, relay support, & online tools. - [Resources](https://www.tiogabank.com/resources/) - Explore Tioga State Bank resources including FAQs, news, announcements, careers, and contact information to support your personal and business banking needs. - [About](https://www.tiogabank.com/resources/about/) - Tioga State Bank has served the Southern Tier of New York and Northern Pennsylvania for over 150 years, offering trusted personal and business banking services. - [Investment Services](https://www.tiogabank.com/investment-services-2/) - Personalized investment services from Tioga State Bank. Get expert advice on retirement, insurance, and financial planning. Start with a free consultation. - [Annual Holiday Giving Program](https://www.tiogabank.com/holiday-giving/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.27.4″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_fullwidth_header title=”Annual Holiday Giving Program” admin_label=”Fullwidth Header” _builder_version=”4.27.4″ background_image=”https://www.tiogabank.com/wp-content/uploads/holiday-giving-web-banner-1-1.png” background_position=”bottom_center” background_vertical_offset=”-66%” height=”596px” background_color_gradient_stops_tablet=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_stops_phone=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” global_module=”814″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”||11px|||” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#002B52″ global_colors_info=”{}”] Join TSB and local organizations to make a difference! - [Mortgage Thank you](https://www.tiogabank.com/personal-banking/mortgage-center/contact-a-mortgage-lender/thank-you-2-2/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] Thank you for contacting the TSB Mortgage Team. We will contact you within one business day. [/et_pb_text][et_pb_code _builder_version=”4.25.2″ _module_preset=”default” global_colors_info=”{}”][/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section] - [TSIS Thank you](https://www.tiogabank.com/investment-services-2/thank-you/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.25.1″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] Thanks for contacting Tioga State Investment Services! We will get in touch with you shortly. [/et_pb_text][et_pb_code _builder_version=”4.25.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section] - [Business Thank you](https://www.tiogabank.com/business-banking/thank-you-2/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.0″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” text_text_color=”#1080C4″ text_font_size=”32px” text_font_size_last_edited=”on|phone” sticky_enabled=”0″ text_font_size_phone=”21px” text_line_height=”1.8em” text_font=”–et_global_heading_font|600|||||||” text_orientation=”center” animation_style=”zoom” text_font_size_tablet=”32px”] Thank you for contacting us. One of our dedicated business banking specialists will connect with you within two business days. [/et_pb_text][et_pb_code _builder_version=”4.25.2″ _module_preset=”default” global_colors_info=”{}”][/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section] - [Loans Thank you](https://www.tiogabank.com/personal-banking/personal-loans/thank-you/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] Thanks for contacting us! We will get in touch with you shortly. [/et_pb_text][et_pb_code _builder_version=”4.25.2″ _module_preset=”default” global_colors_info=”{}”][/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section] - [Thank you](https://www.tiogabank.com/personal-banking/mortgage-center/contact-a-mortgage-lender/thank-you/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] Thanks for contacting us! We will get in touch with you shortly. [/et_pb_text][et_pb_code _builder_version=”4.25.2″ _module_preset=”default” global_colors_info=”{}”][/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section] - [Thank you](https://www.tiogabank.com/homeequity/thank-you/) - [et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”] Thanks for contacting us! We will get in touch with you shortly. [/et_pb_text][et_pb_code _builder_version=”4.25.0″ _module_preset=”default” hover_enabled=”0″ sticky_enabled=”0″] [/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section] - [Thank you](https://www.tiogabank.com/personal-banking/cd-ira-products/cd-special/thank-you/) - Thanks for contacting us! We will get in touch with you shortly. - [Pay A Person](https://www.tiogabank.com/personal-banking/pay-a-person/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.16″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_fullwidth_header title=”Pay A Person” disabled_on=”off|off|off” admin_label=”Fullwidth Header” module_class=”custom-interior-header” _builder_version=”4.20.4″ title_text_align=”center” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(255,255,255,0.9) 0%|rgba(255,255,255,0.25) 100%” background_color_gradient_overlays_image=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_image=”https://www.tiogabank.com/wp-content/uploads/two-men-in-a-meeting-1.jpg” background_position=”top_center” custom_padding=”25%||0px||false|false” global_module=”814″ saved_tabs=”all” locked=”off” global_colors_info=”{}”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ global_colors_info=”{}”][et_pb_text admin_label=”Pay a person at a glance… – Text” _builder_version=”4.16″ text_orientation=”center” global_colors_info=”{}”] Pay a person at - [Paycheck Protection Loans](https://www.tiogabank.com/paycheck-protection-program/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.4.7″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone” locked=”off”][et_pb_fullwidth_header title=”Paycheck Protection Program” disabled_on=”off|off|off” module_class=”custom-interior-header” _builder_version=”4.8.2″ title_text_align=”center” use_background_color_gradient=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_color_gradient_overlays_image=”on” background_image=”https://www.tiogabank.com/wp-content/uploads/bing.jpg” background_position=”top_center” custom_padding=”25%||0px||false|false” global_module=”814″ saved_tabs=”all”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.6.1″][et_pb_row use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”4.6.1″ max_width=”80%”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”update.. text” _builder_version=”4.7.7″ background_color=”rgba(0,0,0,0)” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”||||false|false”] Paycheck Protection Program Update [/et_pb_text][et_pb_text admin_label=”update.. text” _builder_version=”4.7.7″ background_color=”rgba(0,0,0,0)” background_size=”initial” background_position=”top_left” - [Banking Forgot Password](https://www.tiogabank.com/banking-forgot-password/) - [et_pb_section fb_built=”1″ fullwidth=”on” _builder_version=”4.4.7″ custom_margin=”-197px||||false|false” custom_margin_tablet=”-129px||||false|false” custom_margin_phone=”0px||||false|false” custom_margin_last_edited=”on|phone”][et_pb_fullwidth_header title=”Banking Forgot Password” module_class=”custom-interior-header” _builder_version=”4.4.8″ title_text_align=”center” use_background_color_gradient=”on” background_color_gradient_start=”rgba(255,255,255,0.9)” background_color_gradient_end=”rgba(255,255,255,0.25)” background_color_gradient_overlays_image=”on” background_image=”https://www.tiogabank.com/wp-content/uploads/TSB_AerialStill_Owego.jpg” background_position=”top_center” custom_padding=”25%||0px||false|false” global_module=”814″ saved_tabs=”all”][/et_pb_fullwidth_header][/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.4.8″][et_pb_row _builder_version=”4.4.8″][et_pb_column type=”4_4″ _builder_version=”4.4.8″][et_pb_code admin_label=”Banking Forgot Password Form – Code” module_class=”custom-form” _builder_version=”4.4.8″ hover_enabled=”0″] Username Submit [/et_pb_code][/et_pb_column][/et_pb_row][/et_pb_section] ## Divi Bars - [Investment - FINRA’s BrokerCheck](https://www.tiogabank.com/divi_bars/investment-finras-brokercheck/) - [et_pb_section fb_built=”1″ module_class=”announcements” _builder_version=”4.4.8″ background_color=”#074829″ custom_padding=”0px||0px||true|false” global_colors_info=”{}”][et_pb_row module_class=”vertical-align-row ” _builder_version=”4.4.8″ width=”90%” custom_padding=”10px||10px||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ module_class=”ds-vertical-align” _builder_version=”4.4.7″ custom_padding_tablet=”||||false|false” custom_padding_last_edited=”off|desktop” global_colors_info=”{}”][et_pb_text admin_label=”Check the background… – Text” _builder_version=”4.4.8″ text_orientation=”center” background_layout=”dark” custom_margin=”||5px||false|false” text_font_size_tablet=”” text_font_size_phone=”12px” text_font_size_last_edited=”on|phone” text_orientation_tablet=”center” text_orientation_last_edited=”off|desktop” global_colors_info=”{}”] Check the background of investment professionals associated with this site on FINRA’s BrokerCheck [/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section] ## Categories - [Uncategorized](https://www.tiogabank.com/category/uncategorized/) - [News](https://www.tiogabank.com/category/news/) - [Events](https://www.tiogabank.com/category/events/) - [TSB Foundation News](https://www.tiogabank.com/category/tsb-foundation-news/) - [Community Banking Month](https://www.tiogabank.com/category/community-banking-month/) - [Tips](https://www.tiogabank.com/category/tips/) - [Employee Spotlight](https://www.tiogabank.com/category/employee-spotlight/) - [CyberSecurity](https://www.tiogabank.com/category/tips/cybersecurity/) - [Financial Education](https://www.tiogabank.com/category/tips/financial-education/) - [Go Local](https://www.tiogabank.com/category/go-local/)