Tioga State Bank Online Banking Login

Tioga State Bank traces its roots to 1864. In 1961, two banks merged to form Tioga State Bank headquartered in Spencer to create a strong, independent community bank determined to exclusively meet financial needs of families and businesses in Tioga County as well as surrounding counties. Currently, Tioga State Bank is the only bank headquartered in Tioga County. The bank has 11 community offices and over $455 million in assets. The bank has its headquarter in Spencer, New York.

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Tioga State Bank’s Online Banking services provides an easy and secure internet banking solution that is available anytime, anywhere on your computer or mobile device. This convenient service is accessible to those who have account in the bank and enroll for online banking. The guide below outlines the ways account holders can access online banking service for online banking users.


Provided you have valid online banking credentials, please use the guide below to access online banking service:

Step 1- Open this link https://www.tiogabank.com/ in your browser to access Tioga State Bank’s website

Step 2- In homepage, please click the LOGIN button shown below

Step 3- Please provide your 

Step 4- Please verify your personal image, then provide your 

You will have access to online banking platform after the system approves your login credentials.


For any online banking user who is unable to recall his or her online banking password, here are steps to follow to reset forgotten password:

Step 1- Follow the first three steps in the “How To Log In” section above

Step 2- In the password-entry page, click Reset Password link shown here to begin the reset process

Step 3- Please enter your TSB Online ID, E-mail Address and E-mail Subject, then click Continue

You will receive an email with details on how to proceed with the password-reset process after the online system validates your credentials.


If you already have an account in Tioga State Bank, please follow the outlined steps below to enroll for online banking service:

Step 1- In homepage, click New User? Enroll Now link shown below to initiate the enrollment process

Step 2- To proceed, review the online banking agreement, then click I Agree button at the bottom

Step 3- Choose TSB Online Banking and Bill Pay and provide the requested details, then Submit

After the system approves your identity, you will be able to proceed to setup your online banking credentials.


Tioga State Bank online banking features include:

  • Access information on all Tioga State Bank accounts
  • Receive account alerts
  • Review and print check images and statements.
  • Check account balances
  • Transfer funds between accounts
  • Make loan payments

Federal Holiday Schedule for 2023 & 2024

These are the federal holidays of which the Federal Reserve Bank is closed.
Tioga State Bank and other financial institutes are closed on the same holidays.

Holiday 2023 2024
New Year's Day January 2 January 1
Martin Luther King Day January 16 January 15
Presidents Day February 20 February 19
Memorial Day May 29 May 27
Juneteenth Independence Day June 19 June 19
Independence Day July 4 July 4
Labor Day September 4 September 2
Columbus Day October 9 October 14
Veterans Day November 10 November 11
Thanksgiving Day November 23 November 28
Christmas Day December 25 December 25

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