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Personal Checking Accounts

 

CHECKING:

DIRECT CHECKING1  

DIRECT CHECKING WITH INTEREST1,2

TRUE ADVANTAGE1

TRUE ADVANTAGE PLUS1,2

TRUE 621

STUDENT CHECKING 1011

BASIC BANKING1

Best for you if: You use your debit card frequently, and are looking for a simple account to manage your money.  

You keep a higher balance and would like to earn interest.  

You have multiple deposit or loan accounts with Tompkins Trust, and would like to take advantage of relationship banking while earning interest.  

 
You have multiple deposit or loan accounts with Tompkins Trust, and would like to take advantage of relationship banking while earning interest. You're aged 62 or older and would prefer to receive paper statements at no additional charge.   You're between the ages of 16 and 25 and are a full or part-time student.  You need a simple checking account, and are not concerned with  direct deposit or maintaining a certain balance.
 
Pays interest:  No Yes, click here for today's rates
No Yes, click here for today's rates
No  No  No     
NYCE/Plus Transaction Fee (Tompkins' fee at other banks' ATMs - $1.00 per transaction) waived:    No  No  2 per statement period    Unlimited   No    Unlimited    No   
Free checks:  No  No Yes        Yes  No        No  No
Convenient debit card:

Yes 

Internet Banking with Bill Pay:  Free   Free   Free   Free       Free   Free   Free  
Mobile banking,  mobile check deposit & text alerts: Free* Free* Free* Free* Free* Free* Free*
Additional features: N/A N/A  0.25% APY** bonus on CDs. 0.25% APR** discount on personal installment and home equity loans.3 Free paper statements. Free official checks and money orders.  0.25% APY** bonus on CDs.  0.25% APR** discount on personal installment and home equity loans.3 Free paper statements. $175 mortgage closing costs savings.3 Free official checks and money orders.  One account owner must be aged 62 or older. Free paper statements. Account owner must be age 16-25.  8 free debit transactions per month. $.50 per debit afterward.
Interest compounding
frequency:
 N/A    Daily   N/A
Daily   N/A
 N/A
N/A
How to avoid monthly maintenance fee: Direct deposit totaling $500 or more, or 10 debit card transactions per cycle.   Current balance of $2,000 or more, or direct deposit totaling $1,000 or more.   $5,000 combined average deposit balance, including CDs and IRAs, or a $25,000 combined outstanding loan balance.   $15,000 combined average deposit balance, including CDs and IRAs, or a $25,000 combined outstanding loan balance.  Current balance of $1,000 or more, or direct deposit totaling $300 or more.   N/A   N/A
Monthly maintenance fee if requirements not met: $8   $12   $15 $20    $5   N/A    $3  
Monthly maintenance fee for paper statements: $2.50  $2.50  $0.00       $0.00  $0.00  $2.50  $2.50 
Maximum total monthly maintenance fee: $10.50  $14.50  $15.00  $20.00  $5.00  $2.50  $5.50 

*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.

** APY=Annual Percentage Yield; APR=Annual Percentage Rate.

1 Minimum balance to open account in branch is $0. Minimum balance to open online account is $25.

2 Minimum balance to earn interest is $0.01.

3 All loans subject to credit approval.

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