Digital Banking | Bank from Anywhere 24/7


Online Banking

Branches have set hours — but we know people don't. With online banking, you can bank when it's most convenient for you, even if that's midnight. Perform a variety of banking activities, like transferring funds, viewing checks and even downloading your eStatements.

  • Online banking is a free, secure and easy to use service for The Bank of Tioga clients
  • Manage a number of banking activities anytime, anywhere with internet access:
    • Access eStatements
    • View account balances and history
    • Transfer funds between accounts (one-time and recurring transfers)
    • Transfer money to and from other banks you have accounts at
    • View checks written
    • Make loan payments
  • Fewer bank trips necessary
  • Save time, gas and postage money 

How do I setup online banking?

On the The Bank of Tioga website homepage, click “Login” and then “Online Banking Login”. On the next page, select the "Enroll Now" button. Enter in your information to get started in minutes. Additionally, you can enroll in online and mobile banking through our mobile app. Download it today from your app store, iPhone or Android.

Mobile Banking

Today's phones are more like Swiss army knives — with one device you can make calls, take pictures and now, handle your banking. Download our free mobile app to access your accounts anywhere you go. View balances, pay bills and even deposit checks with a few taps. It's convenient, secure and a lot better than rushing to a branch location before closing.

  • Fast and secure service for customers enrolled in online banking1
  • Easily keep track of your finances — even on-the-go:
    • View account balances
    • Review history
    • Transfer funds between The Bank of Tioga accounts
    • Pay bills
    • Find nearby ATMs and branch locations
    • Deposit a check
  • Available via any web-enabled cell phone or device
  • Utilize this service two convenient ways:
    • Web browsing
    • App download
  • Save valuable time, effort and avoid an extra trip to a branch location
  • Encrypted for your security, even if your device is lost or stolen 

How do I setup mobile banking?

First, enroll in online banking. Then use your phone to access the website from a browser, or for a better experience, download our Mobile Money app from your app store, iPhone or Android. Simply enroll or use the same login credentials as your online banking and you can bank from anywhere 24/7. 

What if I am locked out of mobile or online banking?

If you find yourself being locked out of online banking (even though you know your password is right!), it could be caused by not properly logging out the last time you accessed your online banking via the mobile app or web browser. Making sure you click on “LOG OUT” will officially end your session and allow for a smoother log in process the next time you attempt to do so. Read more tips and tricks here

Mobile Deposit Capture

You no longer need to visit a branch location to deposit a check. Depositing a check is as easy as snapping a photo on your phone!1 

What is Mobile Deposit Capture?

Mobile Deposit Capture allows a person to use their smart phone to take a photo of a check and deposit it into their bank account without ever having to physically take the check to the bank.

How do I deposit a check from my phone?

Login to your Mobile Money app and choose “Deposit” along the bottom, then “Deposit a Check”. Select the account you want to make the deposit in and enter the amount. Make sure to first endorse your check and then write “For Mobile Deposit Only - The Bank of Tioga”. Then, take photos of the front and back of your check to make the deposit. Funds are normally received within two business days. Please keep your paper check for five days after posting.  

Online Bill Pay

Tired of paying late fees? Utilize online Bill Pay to set up recurring payments with ease. By moving your payments online, you'll save a few trees while you're at it. Sign up for online Bill Pay — the environment will thank you.

  • Save time and money
  • Pay bills electronically around the clock
  • Set up recurring payments for greater convenience
  • One convenient password to remember
  • Payments credited sooner than by mail (when using ACH)
  • Encrypted for your security 

What is Bill Pay?

Bill Pay is a fast, easy and secure way to pay bills online. Simply put, it’s the best way to manage payments!

What services does Bill Pay offer?

Bill Pay offers many services including, but not limited to 24/7 access to pay bills electronically, the ability to set up recurring payments and a faster payment credited rate for payments than by mail (when using ACH). Bill Pay makes it easy to pay virtually anyone and makes life easier with payment reminders and eBills.

How does it work?

To pay your bills online, you will complete a simple process of adding people and companies you would like to pay. Part of this process requires the account number from your bill. On some occasions, the vendor will also ask you to put in their billing address (which would show on your bill).

Once you add your bills, head to the "Payment Center" where you will find the "Pay Bills" section. In this section, all of the people and companies (the bills) you’ve added will be available. To pay a bill, simply enter the payment amount and the received date in the section of the bill you want to be paid. It will then become a "Pending Payment". You can view any pending payments and payments paid in the last 24 months. You can pay as many bills as you want at the same time.

How do I know my information is secure, especially since I’m using an online service?

Bill Pay uses multiple security measures to ensure the security of your finances and information including SSL, encryption and automatic sign out.

Why should I choose to use Bill Pay over other bill payment services?

Bill Pay is a more innovative technology compared to competitors when it comes to paying bills. Bill Pay is simple and secure. In addition, Bill Pay’s payment speed averages the next business day (when using ACH).

What are the advantages to Bill Pay?

It makes paying your bills quick and easy since it’s all at the same time and in the same place. Bill Pay makes organizing your bills easy with the option to group payments into categories. Automatic payments make it easy to pay recurring payments such as a car payment or mortgage. Most importantly, Bill Pay is completely safe; it’s more secure than mailing checks! 


It's time to make the free switch. Trade the paper clutter for easy electronic statements. We promise you won't miss that stack of unopened envelopes. Losing the paper trail also means gaining security. The less you leave for identity thieves, the better you can avoid being a victim of fraud. Save yourself — and the environment.

  • Fast, free and easy alternative to paper statements3
  • Easier to retrieve info when needed
  • Eliminate a paper trail
  • Reduce chances of fraud and identity theft
  • Arrive faster than paper statements
  • Simplify record keeping
  • Easily access past statements
  • Ability to download for permanent storage or print if needed
  • Receive email notice when new statement is ready 

How do I sign up for eStatements?

Signing up for eStatements is as easy as logging into online banking, choosing “Profile” in the top right-hand corner and opting into "Electronic Statements". For assistance, please feel free to call a client contact specialist at 701-664-3388. They are more than happy to walk you through the process of signing up for eStatements.

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If your banking needs require a signature, we have you covered. We use a program called DocuSign® which allows you to sign documents from anywhere in the world. We will send a secure email with simple instructions to sign documents. 

Virtual Support

If you don't have time to come into the bank, no problem! Virtual Support is an enhanced real-time platform that allows clients to connect with a client service specialist through chat, voice call or video conference. We can help you open your account from the comfort of your own home.

Virtual Meetings

If you would prefer to meet with us virtually, schedule an appointment by contacting your relationship manger directly or call 701-664-3388 and let us know you would like to set up a virtual meeting. We can have a virtual meeting over the phone or by video. For video conferencing, a private meeting invite will be emailed to you with a link and meeting password. 

How can I learn more about these digital banking offerings? 

We hope you enjoy these digital banking services that help you bank from anywhere 24/7. If you’re interested in learning more about any of these services at The Bank of Tioga, simply contact us via phone, email, Live Chat or in-person.

DO MORE with your money at The Bank of Tioga

At The Bank of Tioga, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at The Bank of Tioga. The Bank of Tioga has two locations in North Dakota. For more information visit or call 701-664-3388. #igniteprosperity

1Data plan may be required. Check with your service provider for details.
2Three-day delivery is free and next day delivery costs $1.50.
3Please note that you must have Adobe Acrobat Reader® in order to receive and access eStatements.