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Personal Checking Accounts

 

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TRUE ADVANTAGE

TRUE ADVANTAGE PLUS

Best for you if: You're concerned about having to maintain a certain balance to avoid a monthly maintenance fee You keep a higher balance and would like to earn interest You're currently enrolled in a college or university You have multiple deposit or loan accounts with Tompkins Trust Company and would like to take advantage of relationship banking  You have multiple deposit or loan accounts with Tompkins Trust Company and would like the advantages of relationship banking, plus interest
Pays interest:  No  Yes, click here for today's rates   No  No  Yes, click here for today's rates
Free foreign ATM transactions:  No  No  Unlimited1  4 per statement period1  6 per statement period1
Free checks: No 1st order of 50 checks  N/A  True Advantage checks for life  True Advantage checks for life
Visa debit card:3

Free

Internet Banking with Bill Pay:  Free  Free  Free  Free  Free
Additional features: A $2.50 monthly fee applies for paper statements. There is no charge if enrolled for e-statements.   N/A A $2.50 monthly fee applies for paper statements. There is no charge if enrolled for e-statements.
  • 0.25% APR4 off consumer & home equity loan rates2
  • Earn an additional 0.25% APY4 on select CD terms
  • Free official checks & money orders
  • Savings of up to $200 at mortgage closing2
 
Interest compounding frequency:  N/A  Daily  N/A  N/A   Daily
Balance requirement to avoid  monthly  maintenance fee:5  N/A  $1,000 minimum daily  N/A $10,000 average combined deposits or $25,000 outstanding loan balances $15,000 average combined deposits or $25,000 outstanding loan balances
Monthly maintenance fee if balance requirement not met:   N/A  $3  N/A  $12  $15

1If you use another bank's ATM, we'll waive our $1 fee (up to the amount specified); the other bank may charge a fee
2Credit approval required 
3Fees may apply at ATMs not owned by Tompkins Trust Company
4APR = Annual Percentage Rate and APY = Annual Percentage Yield 
5
$50 minimum deposit required to open your account online   
 

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