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Treat Yourself. Try The Bank of Tioga’s new FREE rewards checking account.

  • 5% cash back on debit card purchases*
  • Up to $10.00 cash back each month*
  • Plus, refunds on ATM withdrawal fees, nationwide*

Earning rewards is a piece of cake. Just do the following activities and transactions in your account each monthly statement cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction post and settle
  • At least 15 debit card purchases post and settle within the statement cycle
  • Be enrolled and agree to receive eStatements

Don't worry if you come up short. Your account is always free. There's no penalty fee. Plus, you can still earn cash back & refunds on ATM fees the very next cycle.

For more clarification, please see our Qualifications Calendar.

*Minimum to open is $50. If qualifications are met each monthly statement cycle: (1) ATM fees incurred during statement cycle will be reimbursed up to $10.00 and credited to account on the last day of monthly statement cycle; (2) On the first business day following the end of the statement cycle you will receive 5.00% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during statement cycle up to a maximum cash back earned of $10.00 per monthly statement cycle. If qualifications are not met you will not receive cash back on debit card purchases and ATM fees are not refunded. Qualifying transactions must post to and settle Rewards Checking account during monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count toward qualifying debit card transactions. Monthly direct deposit, an ACH payment or a bill pay transaction is a condition of having this account. Available on personal accounts only. Limit one account per Social Security Number. Member FDIC.