Access your accounts

Anytime. Anywhere. (* required)

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Student Banking

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

Live your best life with Student Checking 101. This convenient account offers savings on ATM fees, free digital banking, and you can easily transfer funds with your family and friends. There's no need to worry about a minimum balance, so you have all the flexibility you need.

  • No minimum balance to open or maintain your account*
  • Free electronic statements; $3.50 monthly maintenance fee for paper statements.
  • The account owner must be between 16 and 25
  • Overdraft Coverage

Compare Checking Accounts 

  • Use in stores, at ATMs, and for making online purchases; funds are automatically deducted from your checking account
  • Savings on ATM fees when using non-Tompkins Trust Company ATMs2

Learn  More about Debit MasterCard 

  • 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)

Learn  More about Digital Banking

  • No minimum balance to open and no minimum to earn interest*
  • $250 minimum balance to avoid $5.00 monthly maintenance fee
  • Interest is compounded daily

Compare Savings Accounts 

  • SWIFT Wires allow us to send and receive funds internationally – speeding up the wire transfer process and simplifying the tracking of these funds.  
  • 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.  

Fees may apply at ATMs not owned by Tompkins Trust Company.  There is a $5.00 monthly fee for inactive cards after 180 days.
2 If you use another banks ATM, we'll waive our $1 fee; the other bank may charge a fee.
3 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.

*$25 minimum deposit required to open your account online