--- title: 10 Reasons to Switch to The Bank of Tioga description: At The Bank of Tioga we realize that banking is an ever changing industry, so we've highlighted 10 different products and services we have invested in to provide you with an overall excellent banking experience. image: https://blog.thebankoftioga.com/hubfs/IMG_3463.jpg --- [![The Bank of Tioga](https://blog.thebankoftioga.com/hubfs/TheBankofTioga_Mar2017/Images/logo.png)](https://www.thebankoftioga.com/) Try again: - Contact Us - Client Services - [Careers](https://www.thebankoftioga.com/home/about-us/careers.html) - [Blog](https://blog.thebankoftioga.com/) - PERSONAL - [CHECKING](https://www.thebankoftioga.com/personal/checking) - [TBOT Checking](https://www.thebankoftioga.com/personal/checking/tbot-checking.html) - [TBOT Checking Plus](https://www.thebankoftioga.com/personal/checking/tbot-checking-plus.html) - [Black Gold Checking](https://www.thebankoftioga.com/personal/checking/black-gold-checking.html) - [HSA](https://www.thebankoftioga.com/personal/checking/hsa.html) - [SAVINGS & CDS](https://www.thebankoftioga.com/personal/savings-cds) - [Select Savings](https://www.thebankoftioga.com/personal/savings-cds/select-savings.html) - [Prime Plus Money Market](https://www.thebankoftioga.com/personal/savings-cds/prime-plus-money-market.html) - [Certificates of Deposit (CDs)](https://www.thebankoftioga.com/personal/savings-cds/certificates-of-deposit-cds.html) - [CDtwo®](https://www.thebankoftioga.com/personal/savings-cds/cdtwo.html) - [Individual Retirement Accounts (IRA)](https://www.thebankoftioga.com/personal/savings-cds/individual-retirement-accounts-ira.html) - [LOANS & CREDIT](https://www.thebankoftioga.com/personal/loans-credit) - [Personal Loans](https://www.thebankoftioga.com/personal/loans-credit/personal-loans.html) - [Auto Loans](https://www.thebankoftioga.com/personal/loans-credit/auto-loans.html) - [Mortgage Loans](https://www.thebankoftioga.com/personal/loans-credit/mortgage-loans.html) - [Construction Loans](https://www.thebankoftioga.com/personal/loans-credit/construction-loans.html) - [Home Equity Loans](https://www.thebankoftioga.com/personal/loans-credit/home-equity-loans.html) - [Credit Cards](https://www.thebankoftioga.com/personal/loans-credit/credit-cards.html) - [PERSONAL SERVICES](https://www.thebankoftioga.com/personal/personal-services/online-banking.html) - [Online Banking](https://www.thebankoftioga.com/personal/personal-services/online-banking.html) - [Mobile Banking with Mobile Deposit Capture](https://www.thebankoftioga.com/personal/personal-services/mobile-banking-with-mobile-deposit.hmtl) - [Instant-Issue Debit Cards](https://www.thebankoftioga.com/personal/personal-services/instant-issue-debit-cards.html) - [Online Bill Pay](https://www.thebankoftioga.com/personal/personal-services/online-bill-pay.html) - [Transfer Money](https://www.thebankoftioga.com/personal/personal-services/transfer-money.html) - [Popmoney (person-to-person payments)](https://www.thebankoftioga.com/personal/personal-services/popmoney-person-to-person-payments.html) - [SHAZAM BOLT$ Protection](https://www.thebankoftioga.com/personal/personal-services/shazam-bolt-protection.html) - [eStatements](https://www.thebankoftioga.com/personal/personal-services/estatements.html) - [Additional Services](https://www.thebankoftioga.com/personal/personal-services/additional-services.html) - BUSINESS - [CHECKING](https://www.thebankoftioga.com/business/checking) - [Small Business Checking](https://www.thebankoftioga.com/business/checking/small-business-checking.html) - [Business Checking](https://www.thebankoftioga.com/business/checking/business-checking.html) - [Analyzed Business Checking](https://www.thebankoftioga.com/business/checking/analyzed-business-checking.html) - [LOANS & CREDIT](https://www.thebankoftioga.com/business/loans-credit) - [Business Loans](https://www.thebankoftioga.com/business/loans-credit/business-loans.html) - [Equipment Loans](https://www.thebankoftioga.com/business/loans-credit/equipment-loans.html) - [Construction Loans](https://www.thebankoftioga.com/business/loans-credit/construction-loans.html) - [Commercial Real Estate Loans](https://www.thebankoftioga.com/business/loans-credit/commercial-real-estate-loans.html) - [Agriculture Loans](https://www.thebankoftioga.com/business/loans-credit/agriculture-loans.html) - [Business Credit Cards](https://www.thebankoftioga.com/business/loans-credit/business-credit-cards.html) - [BUSINESS SERVICES](https://www.thebankoftioga.com/business/business-services/cash-management-services.html) - [Cash Management Services](https://www.thebankoftioga.com/business/business-services/cash-management-services.html) - [Business Bill Pay](https://www.thebankoftioga.com/business/business-services/business-bill-pay.html) - [ACH Origination](https://www.thebankoftioga.com/business/business-services/ach-origination.html) - [Remote Deposit Capture](https://www.thebankoftioga.com/business/business-services/remote-deposit-capture.html) - [Wire Origination](https://www.thebankoftioga.com/business/business-services/wire-origination.html) - [Business eStatements](https://www.thebankoftioga.com/business/business-services/business-estatements.html) - [WEALTH MANAGEMENT](https://www.thebankoftioga.com/wealth-management) - [FINANCIAL SERVICES](https://www.thebankoftioga.com/wealth-management/financial-services.html) - ABOUT US - [OUR STORY](https://www.thebankoftioga.com/about-us/our-story.html) - [OUR TEAM](https://www.thebankoftioga.com/about-us/our-team.html) - [COMMUNITY REINVESTMENT](https://www.thebankoftioga.com/about-us/community-reinvestment.html) - [CAREERS](https://www.thebankoftioga.com/about-us/careers.html) - [NEWS](https://www.thebankoftioga.com/about-us/blog) - [Blog](https://blog.thebankoftioga.com) ### Client Contact Center - Tioga: (701) 664.3388 - Crosby: (701) 965.6333 - [mybank@thebankoftioga.com](mailto:mybank@thebankoftioga.com) - [Contact us online](https://www.thebankoftioga.com/contact/contact-us) ### Lost or Stolen Card - (701) 664.3388 (Business Hours) - 1 (800) 383.8000 (After Hours) ### Locations & Hours [Follow map directions to our branch and come visit](https://www.thebankoftioga.com/home/locations.html) ### Social Media [Facebook Social Network Opens a New Window.](https://www.facebook.com/thebankoftioga) [Linked In Social Network Opens a New Window.](https://www.linkedin.com/company/the-bank-of-tioga) [Twitter Social Network Opens a New Window.](https://twitter.com/bank_of_tioga) ### Debit Cards - Shazam Privileged Status Member - Accepted Worldwide - Funds deducted automatically - Access accounts via ATM - [SecureCode Activation Opens a New Window.](https://shazam.cardinalcommerce.com/CardServices/) - [Instant Issue Debit Cards](https://www.thebankoftioga.com/home/instant-issue-debit-cards.html) ### [Visa® Credit Cards](https://www.thebankoftioga.com/personal/loans-credit/credit-cards.html) - Reward points for travel - Local Client Service - Online Access - Apply Now ### Routing Number 091310990 ### [Reorder Checks Opens a New Window.](https://www.mschecks.net/aspmsoes/main/InterfaceWWW.aspx?UseHeader=No) ### [Wiring Instructions Opens a New Window.](https://www.thebankoftioga.com/documents/TBOT-1034-Receiving-Incoming-US-Wire.pdf) ### [Holiday Closings and Special Hours](https://www.thebankoftioga.com/home/holiday-closings-and-special-hours.html) ### [eServices](https://www.thebankoftioga.com/personal/online-services.html) - Mobile Money - Mobile Deposit Capture - Online Bill Pay - eStatements - Popmoney ### Lost or Stolen Card - (701) 664.3388 (Business Hours) - 1 (800) 383.8000 (After Hours) ### [Security Resources](https://www.thebankoftioga.com/home/security-resources.html) ### [Online Education Center Opens a New Window.](https://www.onlinebanktours.com/oec/index.php?BID=2178) ### [Switch Kit Opens a New Window.](https://www.tsbank.com/dotAsset/cf0c2448-4684-473a-8147-63b9a3fc2a9b.pdf) [![The Bank of Tioga](https://blog.thebankoftioga.com/hubfs/TheBankofTioga_Mar2017/Images/logo.png)](https://www.thebankoftioga.com/) - [Contact Us](https://www.thebankoftioga.com/home/contact-us.html) - [Client Services](https://www.thebankoftioga.com/home/client-services.html) - [Careers](https://www.thebankoftioga.com/home/about-us/careers.html) - [Blog](https://blog.thebankoftioga.com) - PERSONAL - [CHECKING](https://www.thebankoftioga.com/personal/checking) - [TBOT Checking](https://www.thebankoftioga.com/personal/checking/tbot-checking.html) - [TBOT Checking Plus](https://www.thebankoftioga.com/personal/checking/tbot-checking-plus.html) - [Black Gold Checking](https://www.thebankoftioga.com/personal/checking/black-gold-checking.html) - [HSA](https://www.thebankoftioga.com/personal/checking/hsa.html) - [SAVINGS & CDS](https://www.thebankoftioga.com/personal/savings-cds) - [Select Savings](https://www.thebankoftioga.com/personal/savings-cds/select-savings.html) - [Prime Plus Money Market](https://www.thebankoftioga.com/personal/savings-cds/prime-plus-money-market.html) - [Certificates of Deposit (CDs)](https://www.thebankoftioga.com/personal/savings-cds/certificates-of-deposit-cds.html) - [CDtwo®](https://www.thebankoftioga.com/personal/savings-cds/cdtwo.html) - [Individual Retirement Accounts (IRA)](https://www.thebankoftioga.com/personal/savings-cds/individual-retirement-accounts-ira.html) - [LOANS & CREDIT](https://www.thebankoftioga.com/personal/loans-credit) - [Personal Loans](https://www.thebankoftioga.com/personal/loans-credit/personal-loans.html) - [Auto Loans](https://www.thebankoftioga.com/personal/loans-credit/auto-loans.html) - [Mortgage Loans](https://www.thebankoftioga.com/personal/loans-credit/mortgage-loans.html) - [Construction Loans](https://www.thebankoftioga.com/personal/loans-credit/construction-loans.html) - [Home Equity Loans](https://www.thebankoftioga.com/personal/loans-credit/home-equity-loans.html) - [Credit Cards](https://www.thebankoftioga.com/personal/loans-credit/credit-cards.html) - [PERSONAL SERVICES](https://www.thebankoftioga.com/personal/personal-services/online-banking.html) - [Online Banking](https://www.thebankoftioga.com/personal/personal-services/online-banking.html) - [Mobile Banking with Mobile Deposit Capture](https://www.thebankoftioga.com/personal/personal-services/mobile-banking-with-mobile-deposit.hmtl) - [Instant-Issue Debit Cards](https://www.thebankoftioga.com/personal/personal-services/instant-issue-debit-cards.html) - [Online Bill Pay](https://www.thebankoftioga.com/personal/personal-services/online-bill-pay.html) - [Transfer Money](https://www.thebankoftioga.com/personal/personal-services/transfer-money.html) - [Popmoney (person-to-person payments)](https://www.thebankoftioga.com/personal/personal-services/popmoney-person-to-person-payments.html) - [SHAZAM BOLT$ Protection](https://www.thebankoftioga.com/personal/personal-services/shazam-bolt-protection.html) - [eStatements](https://www.thebankoftioga.com/personal/personal-services/estatements.html) - [Additional Services](https://www.thebankoftioga.com/personal/personal-services/additional-services.html) - BUSINESS - [CHECKING](https://www.thebankoftioga.com/business/checking) - [Small Business Checking](https://www.thebankoftioga.com/business/checking/small-business-checking.html) - [Business Checking](https://www.thebankoftioga.com/business/checking/business-checking.html) - [Analyzed Business Checking](https://www.thebankoftioga.com/business/checking/analyzed-business-checking.html) - [LOANS & CREDIT](https://www.thebankoftioga.com/business/loans-credit) - [Business Loans](https://www.thebankoftioga.com/business/loans-credit/business-loans.html) - [Equipment Loans](https://www.thebankoftioga.com/business/loans-credit/equipment-loans.html) - [Construction Loans](https://www.thebankoftioga.com/business/loans-credit/construction-loans.html) - [Commercial Real Estate Loans](https://www.thebankoftioga.com/business/loans-credit/commercial-real-estate-loans.html) - [Agriculture Loans](https://www.thebankoftioga.com/business/loans-credit/agriculture-loans.html) - [Business Credit Cards](https://www.thebankoftioga.com/business/loans-credit/business-credit-cards.html) - [BUSINESS SERVICES](https://www.thebankoftioga.com/business/business-services/cash-management-services.html) - [Cash Management Services](https://www.thebankoftioga.com/business/business-services/cash-management-services.html) - [Business Bill Pay](https://www.thebankoftioga.com/business/business-services/business-bill-pay.html) - [ACH Origination](https://www.thebankoftioga.com/business/business-services/ach-origination.html) - [Remote Deposit Capture](https://www.thebankoftioga.com/business/business-services/remote-deposit-capture.html) - [Wire Origination](https://www.thebankoftioga.com/business/business-services/wire-origination.html) - [Business eStatements](https://www.thebankoftioga.com/business/business-services/business-estatements.html) - [WEALTH MANAGEMENT](https://www.thebankoftioga.com/wealth-management) - [FINANCIAL SERVICES](https://www.thebankoftioga.com/wealth-management/financial-services.html) - ABOUT US - [OUR STORY](https://www.thebankoftioga.com/about-us/our-story.html) - [OUR TEAM](https://www.thebankoftioga.com/about-us/our-team.html) - [COMMUNITY REINVESTMENT](https://www.thebankoftioga.com/about-us/community-reinvestment.html) - [CAREERS](https://www.thebankoftioga.com/about-us/careers.html) - [NEWS](https://www.thebankoftioga.com/about-us/blog) - [Blog](https://blog.thebankoftioga.com) ### Recent Posts ### Posts by Topic - [Products/Services (26)](https://blog.thebankoftioga.com/topic/products-services) - [About Us (12)](https://blog.thebankoftioga.com/topic/about-us) - [Financial Education (11)](https://blog.thebankoftioga.com/topic/financial-education) - [Community (3)](https://blog.thebankoftioga.com/topic/community) - [Consumer Loan (2)](https://blog.thebankoftioga.com/topic/consumer-loan) - [Wealth Management (2)](https://blog.thebankoftioga.com/topic/wealth-management) - [Business Deposit (1)](https://blog.thebankoftioga.com/topic/business-deposit) - [Online Services (1)](https://blog.thebankoftioga.com/topic/online-services) see all ### Subscribe to Email Updates - [September 2018 (1)](https://blog.thebankoftioga.com/archive/2018/09) - [July 2018 (2)](https://blog.thebankoftioga.com/archive/2018/07) - [June 2018 (3)](https://blog.thebankoftioga.com/archive/2018/06) - [April 2018 (1)](https://blog.thebankoftioga.com/archive/2018/04) - [February 2018 (2)](https://blog.thebankoftioga.com/archive/2018/02) - [November 2017 (1)](https://blog.thebankoftioga.com/archive/2017/11) - [September 2017 (1)](https://blog.thebankoftioga.com/archive/2017/09) - [August 2017 (3)](https://blog.thebankoftioga.com/archive/2017/08) - [July 2017 (1)](https://blog.thebankoftioga.com/archive/2017/07) - [June 2017 (4)](https://blog.thebankoftioga.com/archive/2017/06) - [May 2017 (1)](https://blog.thebankoftioga.com/archive/2017/05) - [March 2017 (5)](https://blog.thebankoftioga.com/archive/2017/03) - [February 2017 (1)](https://blog.thebankoftioga.com/archive/2017/02) - [June 2016 (1)](https://blog.thebankoftioga.com/archive/2016/06) - [May 2016 (2)](https://blog.thebankoftioga.com/archive/2016/05) - [April 2016 (1)](https://blog.thebankoftioga.com/archive/2016/04) - [March 2016 (3)](https://blog.thebankoftioga.com/archive/2016/03) ![](https://blog.thebankoftioga.com/hubfs/IMG_3463.jpg) Share: - [Tweet](https://twitter.com/share) - [Products/Services (26)](https://blog.thebankoftioga.com/topic/products-services) - [About Us (12)](https://blog.thebankoftioga.com/topic/about-us) - [Financial Education (11)](https://blog.thebankoftioga.com/topic/financial-education) - [Community (3)](https://blog.thebankoftioga.com/topic/community) - [Consumer Loan (2)](https://blog.thebankoftioga.com/topic/consumer-loan) - [Wealth Management (2)](https://blog.thebankoftioga.com/topic/wealth-management) - [Business Deposit (1)](https://blog.thebankoftioga.com/topic/business-deposit) - [Online Services (1)](https://blog.thebankoftioga.com/topic/online-services) see all # 10 Reasons to Switch to The Bank of Tioga By: The Bank of Tioga Published: Apr 17, 2018, 9:55:09 AM At The Bank of Tioga we realize that banking is an ever changing industry, and as a community bank we have made it a priority to adapt quickly. We are always striving to stay on top of the latest banking trends in this technology driven world we live in, and below are 10 different products and services we have invested in to provide you with an overall excellent banking experience. **1. Checking Account Options** Our checking accounts each have their own benefits, designed to meet your specific needs! Are you looking to earn competitive interest? We have you covered! Are you looking for free online services and the ability to earn monthly ATM refunds? Yep, we have that, too. Or maybe you're just in the market for a basic, no-service charge checking account. The Bank of Tioga also has that. Learn more about our checking account options [here](https://www.thebankoftioga.com/personal/checking/compare-accounts.html). **2. Business Accounts** Own a business and looking for an account that fits your specific needs? Whether you're a small business with minimal transactions, or a larger business with high transaction volumes, we have you covered. Review our three business checking account options, which all feature free online services on top of their other benefits, [here](https://www.thebankoftioga.com/business/checking/compare-accounts.html). **3. Shazam® ATM network** All The Bank of Tioga clients can use the Shazam ATM network for free ATM withdrawals. Find all ATMs on the Shazam network [here](https://www.shazam.net/) using the Privileged Status ATM locator.  **4. Custom CD Rates** The Bank of Tioga offers competitive custom CD rates every day. Traditional CDs offer no risk investments that have guaranteed returns. Additionally, we offer [CDtwo](https://www.thebankoftioga.com/personal/savings-cds/cdtwo.html)®, a next-gen CD that gives you options - including a bonus when you withdraw early and interest rates have declined. CDtwo is the same as a traditional CD, except without a standard early withdrawal penalty. Read more [here](https://www.thebankoftioga.com/personal/savings-cds/certificates-of-deposit-cds.html). **5. Limited Fees** Rather than charge an arbitrary fee for services such as paper statements, we choose to have conversations with clients about their options and ensure that we are able to find a mutually beneficial solution for each client, as each of our clients is unique when it comes to their approach in managing their finances. The Bank of Tioga even offers checking account options that provide **free** sweeps to avoid overdrafts. Read more [here](https://www.thebankoftioga.com/personal/checking/). **6. Instant Issue Debit Cards** No one wants to wait 7-10 business days for their debit card so our new instant issue debit cards offer you instant gratification and the ability to begin accessing your funds immediately. You have the flexibility to stop by the bank to pick up a new card if yours is lost, stolen or compromised, eliminating the wait time for a new one to arrive in the mail. Qualifications may apply. Read more [here](https://www.thebankoftioga.com/personal/personal-services/instant-issue-debit-cards.html). **7. Mobile Banking** Today's phones are more like Swiss army knives — with just one device you can make calls, take pictures, and, now, handle your banking. View balances, pay bills, and transfer funds between accounts with just a few taps. Download our free mobile app to access your accounts anywhere you go. Read more [here](https://www.thebankoftioga.com/personal/personal-services/mobile-banking-with-mobile-deposit.hmtl). **8. Mobile Deposit Capture** Deposit a check directly into your account using your phone! As long as you have our mobile app downloaded, you can follow [these](https://blog.thebankoftioga.com/make-a-deposit-using-the-camera-in-your-mobile-phone) three easy steps to avoid a trip to the bank just to deposit a check. Learn more [here](https://www.thebankoftioga.com/personal/personal-services/mobile-banking-with-mobile-deposit.hmtl). **9. Comprehensive Personal and Business Loans** In need of a loan? Look no further than The Bank of Tioga! We have a robust offering of both personal and business loan options to suit your needs. Give us a call to talk through your loan needs at (701) 664-3388, or review our options for personal loans [here](https://www.thebankoftioga.com/personal/loans-credit/) and business loans [here](https://www.thebankoftioga.com/business/loans-credit/).  **10. Client Impact** Don't you love walking out of a business feeling appreciated and taken care of - like the company truly listened to your needs and helped you out? Our employees strive to go above and beyond for each client, ensuring they are offered the best overall banking experience possible. It is our goal to impact your life in a positive manner, whether it be with a piece of chocolate when you visit the branch or helping you navigate finances. Ready to make the switch? Visit our [website](https://www.thebankoftioga.com/) to review our [account options](https://www.thebankoftioga.com/personal/checking/)! If you still have further questions, contact us at **(701) 664-3388**. [BACK](https://blog.thebankoftioga.com) - [Privacy Policy](https://www.thebankoftioga.com/documents/TBOTPrivacyPolicy.pdf) - [Patriot Act](https://www.thebankoftioga.com/home/patriot-act.html) - [Terms of Use](https://www.thebankoftioga.com/home/terms-of-use.html) - [Locations](https://www.thebankoftioga.com/home/locations.html) ### Ignite Prosperity® [FDIC Opens a New Window.](http://www.fdic.gov/)