Client Contact Center

Lost or Stolen Card

  • (701) 664.3388 (Business Hours)
  • 1 (800) 383.8000 (After Hours)

Debit Card
Dispute Hotline

  • 1 (800) 288-1126

Monday - Friday, 8am - 5pm

Shazam Falcon Fraud Alerts

  • (855) 219-5399

Text number is 72718

Social Media

Social Media

Debit Cards

Visa® Credit Cards

  • Reward points for travel
  • Local Client Service
  • Online Access - Apply Now

Visa Gift Cards

  • Works like a credit card
  • Can be loaded at any branch
  • Low, one-time fee

Visa Travelmoney Cards

  • Works like a credit card
  • Reload the card every 30 days
  • Includes fraud protection


  • 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)
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Mortgage Loans


Home sweet home loan? That's what you'll be saying when you see how low rates are. You may even pay less on your mortgage than you do in rent!

We process loans locally, so you won't have to wait weeks for a decision from "headquarters." While the home buying process can be complicated, you can be sure our TBOT loan officers will walk you through every step of the process!

  • Build equity in your own home
  • Competitive rates
  • Different plans available for different needs
  • Free pre-qualifications
  • Low closing costs
  • Local processing and decision-making
  • Experienced lenders you can trust
  • Friendly, attentive service, from start to closing

Debating if renting or buying is more beneficial to your bottom line? Click here to use an online calculator to help make your decision.

Please mail or drop off your completed application at either of The Bank of Tioga locations. Email is not considered a secure transmission of personal data, please do not share personal, financial or proprietary information via email.

    Download the PDF Application