We've Got Options For You

Whether you're looking for a checking account with just the essentials or one that recognizes your banking relationship with premium benefits, you'll find it at Tompkins Trust Company. Plus, all our checking accounts come with the conveniences of Mobile Banking with Mobile Check Deposit, Internet Banking with Bill Pay, and a Debit Card.

Direct Checking1

Do you use your debit card frequently or use direct deposit? Direct Checking is a straight forward and simple account to help you manage your money. 


  • A paper statement fee of $2.50 applies to this account.  The $2.50 fee will not apply when you enroll in eStatements rather than paper statements.
  • This account has a monthly maintenance fee of $8. Enjoy this account without paying this monthly maintenance fee with direct deposits totaling $500 or more, or 10 debit card transactions per cycle.  Receive a monthly credit of $8 when you do one of the two actions listed above.

DIRECT CHECKING WITH INTEREST1, 2


If you keep a higher account balance and would like to take advantage of earning interest, this account is for you.

  • A paper statement fee of $2.50 applies to this account.  The $2.50 fee will not apply when you enroll in eStatements rather than paper statements.
  • This account has a monthly maintenance fee of $12.  Enjoy this account without paying this monthly maintenance fee by maintaining a current balance of $2,000 or more, or direct deposit totaling $1,000 or more per cycle. Receive a monthly credit of $12 when you do one of the two actions listed above.

True Advantage Checking1

This account rewards you for your combined, linked deposit or loan accounts.


  • Pays bonus Annual Percentage Yield on CDs and IRAs
  • Discounts on Home Equity Loans and Personal Loans3
  • Free personal and official checks
  • Savings on ATM fees when using non-Tompkins Trust ATMs
  • Free Mobile Banking with text alerts* and Mobile Check Deposit

True Advantage Plus1, 2

This account rewards you for your combined, linked deposit or loan accounts, pays you interest and gives you unlimited access to outside ATMs.

  • Pays bonus Annual Percentage Yield on CDs and IRAs
  • Savings on Mortgage closing costs3
  • Discounts on Home Equity Loans and Personal Loans3
  • Free personal and official checks
  • Unlimited savings on ATM fees when using non-Tompkins Trust ATMs

True 62 Checking1

Enjoy free paper statements and the benefit of maintaining low balances with True 62 Checking.

  • Free paper statements
  • At least one owner on the account must be age 62 or older
  • Enjoy this account without paying monthly maintenance fees by maintaining a current balance of $1000 or more, or with direct deposits totaling $300 or more. This account has a monthly maintenance fee of $5.  Receive a monthly credit of $5 when you do one of the two actions listed above.

Student Checking 1011

Being a student has its perks. Enjoy this checking account with features designed specifically for you.

See what else we have to offer students.

  • A paper statement fee of $2.50 applies to this account.  The $2.50 fee will not apply when you enroll in eStatements rather than paper statements.
  • The account owner must be between 16 and 25

Basic Banking1

If you need a simple checking account, Basic Banking provides everything you need to keep track of your money.

  • A paper statement fee of $2.50 applies to this account.  The $2.50 fee will not apply when you enroll in eStatements rather than paper statements.
  • Eight withdrawals allowed by check, ATM or debit card per statement cycle. $.50 per debit afterward.
  • $3 monthly maintenance fee

Side-By-Side Comparison

Compare our checking accounts - all include our Debit MasterCard and Internet Banking with Bill Pay.

Current Personal Checking Rates



DIRECT CHECKING WITH INTEREST
ANNUAL PERCENTAGE YIELD (APY)
$0.01 and over
0.03%


True Advantage CHECKING Plus ANNUAL PERCENTAGE YIELD (APY)
$50,000 and over 0.05%
$25,000 - $49,999.99   0.04%
$10,000 - $24,999.99   0.04%
$2,500 - $9,999.99   0.03%

Rates in effect as of 5/01/17. 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.