We offer a comprehensive suite of products and services for students. 

Free Student Checking 

• No minimum balance to open or maintain your account* 

COMPARE     Open Account 

Free True Rewards Visa Debit Card¹ 

• Use in stores, at ATMs, and for making online purchases; funds are automatically deducted from your checking account 
• Earn rewards points - earn 1 point for every $2 you spend using the "credit" option 
• Savings on ATM fees when using non-Tompkins Trust Company ATMs² 
• You're covered by Visa's Zero Liability Policy that protects you from fraudulent use of your debit card in the event it's lost or stolen. You will not be held responsible for any unauthorized purchases³ 

Click here  to learn more 

Free Internet Banking with Bill Pay 

• Check account balances 
• Pay bills online 
• Transfer funds between your Tompkins Trust Company accounts and accounts at other financial institutions ($1.00 fee applies for each bank-to-bank transfer)

Click here to learn more 

Welcome Savings⁴ 

• No minimum balance to open and no minimum to earn interest* 
• $250 minimum balance to avoid $2.00 monthly maintenance fee 
• Interest is compounded daily 

COMPARE    Open Account 

College Rewards Visa Credit Card⁵ 

• Build credit for the future 
• No annual fee 
• Redeem rewards points for discounted airfare, gift cards, or even cash 

Click here to learn more 

International Services 

• SWIFT Wires allow us to send and receive funds internationally – speeding up the wire transfer process and simplifying the tracking of these funds.  Click here to learn more. 
• Foreign drafts available at any branch location.  We also accept them for deposit. 
• International ACH transactions so you may receive stipends from parents or sponsors overseas or paychecks from foreign employers.  Electronic ACH payments are the fastest and least expensive way to receive payments. 

¹ Fees may apply at ATMs not owned by Tompkins Trust Company

² If you use another banks ATM, we'll waive our $1 fee; the other bank may charge a fee. 

³ Covers U.S. issued cards only. Visa's Zero Liability Policy does not apply to commercial credit card, or ATM transactions, or PIN transactions not processed by Visa. Notify your financial institution immediately of any fraudulent use. For specific restrictions, limitations and other details, see cardholder agreement or www.visa.com/security. 

⁴ Banking regulations governing savings accounts specify that transfers into another account, or to a third-party, by pre-authorized automatic or telephone request are limited to (6) per monthly statement cycle,  In-person transactions at a branch or by ATM are unlimited. 

⁵ Elan is the creditor, issuer, and service provider. Subject to credit approval. 

*$50 minimum deposit required to open your account online