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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. Plus, all our checking accounts come with the conveniences of Mobile Banking with Mobile Check Deposit, Online Banking with Bill Pay, and a Debit Card.

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Direct Checking

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.
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Direct Checking with Interest

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

This account rewards you for your combined, linked deposit or loan accounts, pays you interest and gives you unlimited access to outside ATMs.
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True 62 Checking

Enjoy free paper statements and the benefit of maintaining low balances with True 62 Checking.
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Student Checking 101

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

If you need a simple checking account, Basic Banking provides everything you need to keep track of your money.
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This account includes many conveniences of traditional checking accounts and was specifically designed for those taking steps toward financial wellness.

Side-By-Side Comparison

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

Feature Direct Checking1 Direct Checking with Interest1,2 True Advantage Checking Plus1,2 True 62 Checking1 Student Checking 1011 Basic Banking1
Pays Interest -
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Free Checks - - Check mark - - -
Convenient Debit Card Check mark Check mark Check mark Check mark Check mark Check mark
Free Digital Banking* Check mark Check mark Check mark Check mark Check mark Check mark
Paper Statement Fee $3.50 $3.50 - - $3.50 $3.50
Maintenance Fee $10 $12 $25 $5 $0 $3

*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.
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.