Tioga State Bank


A Health Savings Account (HSA) is a special account established for the purpose of paying current and future medical expenses in conjunction with a High Deductible Health Plan. Individuals are eligible for a Health Savings account if they are covered by a High Deductible Health Plan (HDHP), are not covered by other health insurance, are not enrolled in Medicare, and cannot be claimed as a dependent on someone else’s tax return.

Tioga State Bank HSAs are offered as tiered, interest checking accounts with competitive interest rates, no minimum balance to open the account or earn interest, no per check charge, free access to check images via TSB Online Banking, and a free Tioga State Bank HSA Debit Card.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Checks
  • Online Banking

HSA Interest Rates

Interest rates are unknown at this time


Monthly Maintenance Fee $2.50
Account Opening Fee $25.00
Account Closing Fee $20.00

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 1 N. Main Street
Spencer, NY 14883-0386

Customer Service

Mailing Address Tioga State Bank
PO Box 386
Spencer, NY 14883-0386
Phone Number 888-303-4872