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Business Checking

We've Got Options for You

Checking choices for businesses of any size - today and as your business grows. We also offer other Cash Management services and Remote Deposit. Plus, all our checking accounts come with the convenience of free Online Banking with Bill Pay and Debit MasterCard.

SMALL BUSINESS CHECKING

For the small business with low transaction volume.


  • Keep a monthly average balance of $1,000 to avoid $12 monthly maintenance fee
  • Account includes 50 debits per month at no charge1  

1Additional transactions are $0.35 each
2Fees may apply at ATMs not owned by Tompkins Trust Company

*Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.

BUSINESS CHECKING

For the growing business with moderate transaction volume.



  • Keep a monthly average balance of $7,500 to avoid $15 monthly maintenance fee
  • Account includes 250 debits per month at no charge1


1Additional transactions are $0.35 each
2Fees may apply at ATMs not owned by Tompkins Trust Company

*Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.

ANALYZED CHECKING

For the large business with heavier transaction volumes.


  • Receive financial earnings credit to offset your account charges
  • Monthly analysis tailors the account to your individual business needs
1Fees may apply at ATMs not owned by Tompkins Trust Company
*Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.

BUSINESS NOW CHECKING

For sole-proprietorship's and non-corporations.



  • Interest-bearing business checking for sole-proprietorships and non-corporations
  • Keep a monthly average checking balance of $5,000 to avoid $10 monthly maintenance fee
  • No transaction fees

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

*Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.


NOT FOR PROFIT BUSINESS CHECKING

Free checking for the non-profit organization.


  • No minimum balance to open or maintain account
  • Account includes 50 debits per month at no charge1 

1Additional transactions are $0.25 each
2Fees may apply at ATMs not owned by Tompkins Trust Company

*Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.

BUSINESS ADVANTAGE CHECKING AND MONEY MARKET

Relationship banking.



  • Account designed for customers that keep their business Checking and Money Market balances with us
  • Keep a monthly average checking balance of $15,000 to avoid $20 monthly maintenance fee
  • Account includes 250 debits at no charge1 

1Additional transactions are $0.35 each
2Banking regulations governing savings and money market accounts specify that transfers into another account of to a third party by check, preauthorized automatic or telephone requests are limited to six per monthly cycle. In person transactions at a branch or ATM are unlimited.
3Fees may apply at ATMs not owned by Tompkins Trust Company

*Your wireless telecommunications provider may charge you for data usage. Check with your provider for details regarding your specific wireless plan and any data usage charges that may apply.







Current Rates

BUSINESS NOW
 AnNUAL PERCENTAGE YIELD
Single Tier
 0.03%

Business Advantage Money Market* ANNUAL PERCENTAGE YIELD
$250,000 and over 0.10%
$100,000 - $249,999.99 0.08%
$25,000 - $99,999.99 0.6%
$5,000 - $24,999.99 0.05%
Less than $5,000.00 0.03%
Business Money Market* ANNUAL PERCENTAGE YIELD
$200,000 and over 0.08%
Less than $200,000 0.05%
Rates in effect as of 11/05/2020. Please note these rates are subject to change at any time. Rates may change after the account is opened. Interest is compounded daily. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.
*Banking regulations governing savings and money market accounts specify that transfers into another account or to a third party by check, preauthorized automatic or telephone requests are limited to six per monthly cycle. In person transactions at a branch or ATM are unlimited.
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