<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
      <url>
      <loc>https://www.tompkinsbank.com/</loc>
      <lastmod>2026-07-20T14:50:01.989Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/avon</loc>
      <lastmod>2026-07-20T04:44:32.344Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/chili</loc>
      <lastmod>2026-07-20T04:25:03.422Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/perry</loc>
      <lastmod>2026-07-20T06:47:22.818Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/rates</loc>
      <lastmod>2026-07-20T04:25:15.344Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/trust</loc>
      <lastmod>2026-07-20T12:08:57.372Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/arcade</loc>
      <lastmod>2026-07-20T06:58:22.455Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/auburn</loc>
      <lastmod>2026-07-01T04:26:16.349Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/greece</loc>
      <lastmod>2026-07-20T04:49:26.288Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/le-roy</loc>
      <lastmod>2026-07-20T04:03:19.754Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/logout</loc>
      <lastmod>2025-09-25T13:13:43.448Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/medina</loc>
      <lastmod>2026-07-20T04:44:33.914Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/my-hsa</loc>
      <lastmod>2026-07-20T06:34:11.530Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/opt-in</loc>
      <lastmod>2026-07-20T04:19:11.353Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/warsaw</loc>
      <lastmod>2026-07-20T04:37:32.871Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/batavia</loc>
      <lastmod>2026-07-20T04:44:33.121Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/castile</loc>
      <lastmod>2026-07-20T04:44:31.209Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/geneseo</loc>
      <lastmod>2026-07-20T04:49:20.575Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/hamburg</loc>
      <lastmod>2026-07-20T04:16:22.611Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/lockbox</loc>
      <lastmod>2026-07-20T04:13:16.188Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mahopac</loc>
      <lastmod>2026-07-20T04:13:19.476Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/my-card</loc>
      <lastmod>2026-07-20T05:48:08.963Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/sitemap</loc>
      <lastmod>2026-06-08T18:19:41.792Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/yonkers</loc>
      <lastmod>2026-07-20T04:13:21.363Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branches</loc>
      <lastmod>2026-07-20T04:20:41.864Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/brewster</loc>
      <lastmod>2026-07-20T06:57:05.073Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/equilock</loc>
      <lastmod>2026-07-20T04:44:30.427Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/home-one</loc>
      <lastmod>2026-07-20T04:16:17.192Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/lagrange</loc>
      <lastmod>2026-07-20T08:01:15.850Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mt-kisco</loc>
      <lastmod>2026-07-20T04:03:21.508Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/pa-rates</loc>
      <lastmod>2026-07-20T05:36:34.970Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/caledonia</loc>
      <lastmod>2026-07-20T04:21:41.608Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/pittsford</loc>
      <lastmod>2026-07-20T04:49:27.794Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/pottstown</loc>
      <lastmod>2026-07-20T04:37:33.788Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/shred-day</loc>
      <lastmod>2026-07-20T05:48:09.391Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/ag-lending</loc>
      <lastmod>2026-07-20T04:19:15.797Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/prequalify</loc>
      <lastmod>2023-04-26T12:02:21.985Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/retsof-atm</loc>
      <lastmod>2026-07-20T04:49:25.037Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculators</loc>
      <lastmod>2026-07-20T04:37:28.544Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/estatements</loc>
      <lastmod>2026-07-20T04:37:34.835Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/main-office</loc>
      <lastmod>2026-07-20T06:58:23.897Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/bill-pay-faq</loc>
      <lastmod>2026-07-20T04:21:39.090Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/club-account</loc>
      <lastmod>2026-07-20T04:13:14.231Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/positive-pay</loc>
      <lastmod>2026-07-20T05:31:34.658Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/roberto-lupi</loc>
      <lastmod>2026-07-20T07:22:14.905Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/community-one</loc>
      <lastmod>2026-07-20T04:16:16.029Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/giving-center</loc>
      <lastmod>2026-07-20T04:37:28.055Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/home-possible</loc>
      <lastmod>2026-07-20T04:13:16.976Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/loan-officers</loc>
      <lastmod>2026-07-13T13:10:13.438Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/pleasantville</loc>
      <lastmod>2026-07-20T04:13:20.366Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/putnam-valley</loc>
      <lastmod>2026-07-20T04:13:19.580Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/about-us/about</loc>
      <lastmod>2026-07-20T13:21:25.400Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/apply-mortgage</loc>
      <lastmod>2023-04-26T12:03:18.394Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/digital-wallet</loc>
      <lastmod>2026-07-20T05:48:14.945Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/privacy-policy</loc>
      <lastmod>2026-07-20T04:13:03.785Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/remote-deposit</loc>
      <lastmod>2026-07-20T04:13:15.773Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/ach-origination</loc>
      <lastmod>2026-07-20T04:53:44.228Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/digital-banking</loc>
      <lastmod>2026-07-20T05:48:08.036Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/direct-checking</loc>
      <lastmod>2026-07-20T04:19:14.231Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/east-hill-plaza</loc>
      <lastmod>2026-07-20T05:48:13.250Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/lightning-loans</loc>
      <lastmod>2026-07-20T06:42:48.801Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/rochester-grant</loc>
      <lastmod>2026-05-07T15:22:45.153Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/round-up-center</loc>
      <lastmod>2025-12-04T20:06:19.282Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/schuykill-haven</loc>
      <lastmod>2026-07-20T04:16:25.414Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/starter-savings</loc>
      <lastmod>2026-07-20T04:16:13.839Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/welcome-savings</loc>
      <lastmod>2026-07-20T04:16:12.772Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/bank-disclosures</loc>
      <lastmod>2026-07-20T05:23:07.481Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/central-ny-rates</loc>
      <lastmod>2026-07-20T11:22:57.666Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/fraud-protection</loc>
      <lastmod>2026-07-20T04:49:29.298Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/rate-our-service</loc>
      <lastmod>2026-07-20T05:48:12.056Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/true-62-checking</loc>
      <lastmod>2026-07-20T04:16:10.646Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/wappingers-falls</loc>
      <lastmod>2026-07-20T04:13:18.601Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/western-ny-rates</loc>
      <lastmod>2026-07-20T04:13:01.715Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/analyzed-checking</loc>
      <lastmod>2026-07-20T04:13:14.990Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-checking</loc>
      <lastmod>2026-07-20T04:03:17.080Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/contactless-cards</loc>
      <lastmod>2026-07-20T05:36:35.314Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/equipment-leasing</loc>
      <lastmod>2026-07-20T04:13:17.465Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/hopewell-junction</loc>
      <lastmod>2026-07-20T04:03:20.596Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/leesport-route-61</loc>
      <lastmod>2026-07-20T04:19:16.821Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/lost/stolen-cards</loc>
      <lastmod>2026-07-20T05:48:09.833Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/merchant-services</loc>
      <lastmod>2026-07-20T04:37:31.934Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-glenn-wu</loc>
      <lastmod>2026-07-20T06:57:02.972Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/westchester-grant</loc>
      <lastmod>2026-07-20T05:48:10.862Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/savings</loc>
      <lastmod>2026-07-20T04:13:12.891Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/tax1040</loc>
      <lastmod>2026-07-20T04:13:13.512Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-ed-negron</loc>
      <lastmod>2026-07-20T06:34:13.051Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/overdraft-coverage</loc>
      <lastmod>2026-07-20T05:36:35.726Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/about-us/contact-us</loc>
      <lastmod>2026-07-20T04:37:27.562Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/hsa-goal</loc>
      <lastmod>2026-07-20T04:25:05.833Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/roth-ira</loc>
      <lastmod>2026-07-20T04:16:04.408Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/escrow-manager-form</loc>
      <lastmod>2026-07-20T04:19:10.854Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/financial-education</loc>
      <lastmod>2026-07-20T04:12:59.938Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/hudson-valley-rates</loc>
      <lastmod>2026-07-20T04:37:37.797Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-missy-park</loc>
      <lastmod>2026-07-20T07:18:08.764Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/request-information</loc>
      <lastmod>2026-07-20T05:17:23.857Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/same-day-ach-debits</loc>
      <lastmod>2025-04-23T14:05:01.419Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/treasury-management</loc>
      <lastmod>2026-07-20T04:13:02.158Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking-faq</loc>
      <lastmod>2026-07-20T05:36:37.503Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/cd-ladder</loc>
      <lastmod>2026-07-20T04:25:04.693Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/checkbook</loc>
      <lastmod>2026-07-20T04:13:04.776Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/emergency</loc>
      <lastmod>2026-07-20T04:37:29.622Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/net-worth</loc>
      <lastmod>2026-07-20T04:13:10.937Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/payoff-cc</loc>
      <lastmod>2026-07-20T04:13:11.475Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/commercial-mortgages</loc>
      <lastmod>2026-07-20T04:16:18.370Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/main-office-drive-up</loc>
      <lastmod>2026-07-20T04:03:13.040Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mobile-check-deposit</loc>
      <lastmod>2026-07-20T05:48:16.527Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-edson-marko</loc>
      <lastmod>2026-07-20T09:01:28.147Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-sherri-huey</loc>
      <lastmod>2026-07-20T04:44:28.716Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/remote-deposit-demos</loc>
      <lastmod>2026-07-20T04:19:10.328Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/smart-spend-checking</loc>
      <lastmod>2026-07-20T05:31:32.747Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/student-checking-101</loc>
      <lastmod>2026-07-20T04:16:11.700Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-now-checking</loc>
      <lastmod>2026-07-20T04:16:14.914Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/disability</loc>
      <lastmod>2026-07-20T04:13:08.324Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/line-taxes</loc>
      <lastmod>2026-07-20T04:25:07.826Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/spend-less</loc>
      <lastmod>2026-07-20T04:13:13.165Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/tax-ez1040</loc>
      <lastmod>2026-07-20T04:16:05.309Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/tax-margin</loc>
      <lastmod>2026-07-20T04:13:14.023Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/dutchess-putnam-grant</loc>
      <lastmod>2026-07-20T05:48:08.519Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-diana-carney</loc>
      <lastmod>2026-07-20T07:18:09.173Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-tara-gardner</loc>
      <lastmod>2026-07-20T04:03:24.398Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/online-privacy-policy</loc>
      <lastmod>2026-07-20T06:34:11.801Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/accessibility-feedback</loc>
      <lastmod>2026-07-20T07:37:37.979Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/auto-rebate</loc>
      <lastmod>2026-07-20T04:13:04.280Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/consolidate</loc>
      <lastmod>2026-07-20T04:13:06.814Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/credit-line</loc>
      <lastmod>2026-07-20T04:13:07.814Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/debt-amount</loc>
      <lastmod>2026-07-20T04:13:08.302Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/home-budget</loc>
      <lastmod>2026-07-20T04:37:30.184Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/hsa-savings</loc>
      <lastmod>2026-07-20T04:13:08.912Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/lunch-saver</loc>
      <lastmod>2026-07-20T04:16:01.925Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/millionaire</loc>
      <lastmod>2026-07-20T04:13:09.728Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/payoff-line</loc>
      <lastmod>2026-07-20T04:13:11.720Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/regular-ira</loc>
      <lastmod>2026-07-20T04:13:12.015Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/retire-401k</loc>
      <lastmod>2026-07-20T04:13:12.299Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/simple-loan</loc>
      <lastmod>2026-07-20T04:25:10.299Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/how-to-get-out-of-debt</loc>
      <lastmod>2026-07-20T05:23:07.921Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/i-want-to/switch-banks</loc>
      <lastmod>2026-07-20T12:49:26.852Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-laurie-anania</loc>
      <lastmod>2026-07-20T08:01:13.214Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/marie-hensley</loc>
      <lastmod>2026-07-20T05:17:23.462Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/st-john-fisher-college</loc>
      <lastmod>2024-01-05T16:49:30.356Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/cert-deposit</loc>
      <lastmod>2026-07-20T04:03:15.233Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/compare-loan</loc>
      <lastmod>2026-07-20T04:13:05.786Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/complex-loan</loc>
      <lastmod>2026-07-20T04:13:06.276Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-apr</loc>
      <lastmod>2026-07-20T04:49:22.677Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/cybersecurity-and-fraud</loc>
      <lastmod>2026-07-20T04:16:26.771Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mahopac-falls-red-mills</loc>
      <lastmod>2026-07-20T07:10:15.798Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-stephanie-klym</loc>
      <lastmod>2026-07-20T06:34:12.460Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/green-mortgage</loc>
      <lastmod>2026-07-20T04:03:23.427Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/taryn-schwartz</loc>
      <lastmod>2026-07-20T05:17:25.574Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/small-business-checking</loc>
      <lastmod>2026-07-20T04:13:14.714Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/st-john-fisher-students</loc>
      <lastmod>2026-07-16T16:01:47.503Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/true-advantage-checking</loc>
      <lastmod>2026-07-20T04:16:08.576Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/enhanced-loan</loc>
      <lastmod>2026-07-20T04:44:29.202Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/existing-loan</loc>
      <lastmod>2026-07-20T04:16:00.900Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-loan</loc>
      <lastmod>2026-07-20T04:13:09.741Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/roth-transfer</loc>
      <lastmod>2026-07-20T04:13:12.586Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/should-i-refi</loc>
      <lastmod>2026-07-20T04:19:12.908Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/digital-banking-overview</loc>
      <lastmod>2026-07-20T05:48:10.344Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-bonnie-osadchey</loc>
      <lastmod>2026-07-20T07:22:15.392Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/renovation-loan</loc>
      <lastmod>2026-07-20T04:12:59.367Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/about-us/community-events</loc>
      <lastmod>2026-07-20T05:02:22.533Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/wayne</loc>
      <lastmod>2026-07-20T04:13:23.311Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/life-insurance</loc>
      <lastmod>2026-07-20T04:25:06.959Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-taxes</loc>
      <lastmod>2026-07-20T04:37:31.125Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/enroll-in-digital-banking</loc>
      <lastmod>2026-07-20T04:49:21.905Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/tompkins-financial-center</loc>
      <lastmod>2026-07-20T04:13:18.387Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/about-us/community-support</loc>
      <lastmod>2026-07-20T04:52:28.444Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/exeter</loc>
      <lastmod>2026-07-20T04:16:21.231Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-installment-loans</loc>
      <lastmod>2026-07-20T04:21:38.458Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/college-savings</loc>
      <lastmod>2026-07-20T04:13:05.299Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-payoff</loc>
      <lastmod>2026-07-20T04:03:15.765Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-points</loc>
      <lastmod>2026-07-20T04:25:08.434Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/payment-options</loc>
      <lastmod>2026-07-20T04:16:03.545Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/retirement-plan</loc>
      <lastmod>2026-07-20T04:19:11.989Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/social-security</loc>
      <lastmod>2026-07-20T04:19:13.499Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-erin-thomas-allen</loc>
      <lastmod>2026-07-20T07:18:08.289Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/rate-modification</loc>
      <lastmod>2026-07-20T04:44:28.368Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/compound-savings</loc>
      <lastmod>2026-07-20T04:37:29.073Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/debt-consolidate</loc>
      <lastmod>2026-07-20T04:25:05.272Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/hsa-contribution</loc>
      <lastmod>2026-07-20T04:13:08.883Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-compare</loc>
      <lastmod>2026-07-20T04:21:39.740Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/student-rolldown</loc>
      <lastmod>2026-07-20T04:25:10.910Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/employee-advantage-checking</loc>
      <lastmod>2023-08-04T17:01:07.244Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/online-security-and-privacy</loc>
      <lastmod>2025-10-06T20:44:33.255Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/revocation-of-authorization</loc>
      <lastmod>2026-07-20T05:31:33.485Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/about-us/locations-and-hours</loc>
      <lastmod>2026-07-20T04:12:58.692Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/compound-interest</loc>
      <lastmod>2026-07-20T04:20:40.411Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/credit-assessment</loc>
      <lastmod>2026-07-20T04:13:07.311Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/savings-variables</loc>
      <lastmod>2026-07-20T04:25:09.657Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage-migdalia-concepcion</loc>
      <lastmod>2026-07-20T04:49:21.331Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-digital-banking-faq</loc>
      <lastmod>2026-07-20T04:03:22.474Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/tompkins-hsa-employer-portal</loc>
      <lastmod>2026-07-20T04:03:14.350Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/true-advantage-checking-plus</loc>
      <lastmod>2026-07-20T04:16:09.626Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/birdsboro</loc>
      <lastmod>2026-07-20T04:13:22.213Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/boyertown</loc>
      <lastmod>2026-07-20T04:13:22.442Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/fox-chase</loc>
      <lastmod>2026-07-20T06:57:02.553Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/hsa-vs-traditional</loc>
      <lastmod>2026-07-20T04:25:06.407Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-qualifier</loc>
      <lastmod>2026-07-20T04:25:09.020Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-refinance</loc>
      <lastmod>2026-07-20T04:13:10.298Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/direct-checking-with-interest</loc>
      <lastmod>2026-07-20T04:19:14.968Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/line-of-credit-billing-rights</loc>
      <lastmod>2026-07-20T06:57:03.385Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/remote-deposit-conversion-faq</loc>
      <lastmod>2024-01-26T16:50:43.558Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/yonkers-boyce-thompson-center</loc>
      <lastmod>2026-07-20T04:13:20.477Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/wyomissing</loc>
      <lastmod>2026-07-20T04:25:14.327Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-adjustable</loc>
      <lastmod>2026-07-20T04:16:02.716Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/superior-plus-energy-employees</loc>
      <lastmod>2022-05-11T14:38:56.064Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/about-us/local-market-directors</loc>
      <lastmod>2026-07-20T04:03:13.999Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/calculator/mortgage-rent-vs-buy</loc>
      <lastmod>2026-07-20T04:13:10.354Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/cash-management/sweep-solutions</loc>
      <lastmod>2026-07-20T04:37:26.857Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/digital-banking-manage-payments</loc>
      <lastmod>2026-07-20T04:15:59.432Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/understanding-your-credit-score</loc>
      <lastmod>2026-07-20T04:13:03.292Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/conshohocken</loc>
      <lastmod>2026-07-20T04:19:20.080Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/cash-management/fraud-prevention</loc>
      <lastmod>2026-07-20T04:49:20.894Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/how-credit-scores-are-calculated</loc>
      <lastmod>2026-07-20T06:14:42.673Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/homebuyer-dream-program</loc>
      <lastmod>2026-07-20T05:02:21.429Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/not-for-profit-business-checking</loc>
      <lastmod>2026-07-20T04:13:15.468Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/loans/mortgages</loc>
      <lastmod>2026-07-20T04:16:06.239Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/true-advantage-statement-savings</loc>
      <lastmod>2026-07-20T05:17:24.589Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/welcome-st-john-fisher-employees</loc>
      <lastmod>2022-08-08T12:50:38.181Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/plaza</loc>
      <lastmod>2026-07-20T07:10:14.463Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/bern-township</loc>
      <lastmod>2026-07-20T04:13:21.582Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/breezy-corner</loc>
      <lastmod>2026-07-20T04:13:23.123Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-checking/estate-checking</loc>
      <lastmod>2026-07-20T04:20:39.740Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/community-heroes-mortgage-program</loc>
      <lastmod>2026-07-15T14:39:45.631Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/digital-banking-enhanced-security</loc>
      <lastmod>2026-07-20T06:42:48.526Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/no-closing-cost-mortgage</loc>
      <lastmod>2026-07-20T04:15:58.417Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/deposits/savings</loc>
      <lastmod>2026-07-20T06:42:49.429Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/dryden</loc>
      <lastmod>2026-07-20T04:16:19.924Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/kendal</loc>
      <lastmod>2026-07-20T08:55:58.620Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/lyndon</loc>
      <lastmod>2026-07-20T05:57:44.707Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/sinking-spring</loc>
      <lastmod>2026-07-20T04:19:18.139Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/community-experts-mortgage-program</loc>
      <lastmod>2026-07-15T17:20:22.218Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/how-much-money-do-i-need-to-retire</loc>
      <lastmod>2026-07-20T04:25:03.694Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/deposits/checking</loc>
      <lastmod>2026-07-20T05:36:36.576Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/western-ny/amherst</loc>
      <lastmod>2026-07-20T06:57:04.212Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/home-equity-application-disclosures</loc>
      <lastmod>2026-07-15T17:26:03.598Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/loans/credit-cards</loc>
      <lastmod>2026-07-03T18:09:16.917Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/small-business-administration-loans</loc>
      <lastmod>2026-07-20T04:13:02.551Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/about-us/commitment-to-the-community</loc>
      <lastmod>2026-07-20T04:52:27.818Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/cortland</loc>
      <lastmod>2026-07-20T04:13:17.760Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/west-end</loc>
      <lastmod>2026-07-20T08:01:14.481Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/james-j-byrnes-awards-for-excellence</loc>
      <lastmod>2025-10-06T20:20:30.228Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/northeast-reading</loc>
      <lastmod>2026-07-20T04:16:24.027Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/loans/business-loans</loc>
      <lastmod>2026-07-20T06:34:12.033Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/loans/personal-loans</loc>
      <lastmod>2026-07-20T06:42:50.042Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/workplace-checking-cornell-university</loc>
      <lastmod>2023-02-07T17:40:17.982Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/triphammer</loc>
      <lastmod>2026-07-20T04:03:18.144Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/i-want-to/purchase-or-refinance-a-home</loc>
      <lastmod>2026-07-20T05:02:23.493Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/deposits/cds-and-iras</loc>
      <lastmod>2026-07-03T18:42:52.144Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/city-center</loc>
      <lastmod>2026-07-01T18:24:35.318Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/central-ny/trumansburg</loc>
      <lastmod>2026-07-20T04:03:18.944Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mortgage/seasonal-or-camp-property-loan</loc>
      <lastmod>2026-07-20T04:03:14.723Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/services/escrow-manager</loc>
      <lastmod>2026-07-20T04:25:12.984Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/services/other-services</loc>
      <lastmod>2026-07-20T04:16:07.245Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/services/other-services</loc>
      <lastmod>2026-07-20T05:57:43.881Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/services/reorder-checks</loc>
      <lastmod>2026-07-20T06:47:21.505Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/services/routing-number</loc>
      <lastmod>2026-07-20T04:19:21.161Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/services/cash-management</loc>
      <lastmod>2026-07-20T05:23:08.611Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/i-want-to/find-the-right-checking-account</loc>
      <lastmod>2026-07-20T04:03:16.356Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/mastercard-easy-savings-integrated-offers</loc>
      <lastmod>2022-04-20T18:10:58.600Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/deposits/business-savings</loc>
      <lastmod>2026-07-20T04:13:02.927Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/cash-management/business-debit-mastercards</loc>
      <lastmod>2026-07-20T04:13:16.629Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/home-equity-and-home-equity-line-of-credit</loc>
      <lastmod>2026-07-20T04:44:28.222Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/deposits/debit-mastercard</loc>
      <lastmod>2026-07-20T04:44:29.798Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/services/customer-service</loc>
      <lastmod>2026-07-20T05:48:11.418Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/services/holiday-schedule</loc>
      <lastmod>2026-07-20T04:15:59.788Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/western-ny/churchville-atm</loc>
      <lastmod>2026-07-20T04:20:43.338Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/deposits/business-checking</loc>
      <lastmod>2026-07-20T04:20:39.094Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/loans/business-credit-cards</loc>
      <lastmod>2026-07-20T04:25:12.299Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/services/healthcare-services</loc>
      <lastmod>2026-07-20T04:25:04.174Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/loans/business-line-of-credit</loc>
      <lastmod>2026-07-20T04:21:40.633Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/services/overdraft-protection</loc>
      <lastmod>2026-07-20T04:49:23.618Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/hudson-valley-ny/sleepy-hollow</loc>
      <lastmod>2026-07-20T04:13:07.397Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/western-ny/batavia-west-main-st</loc>
      <lastmod>2026-07-20T04:21:43.137Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/personal-banking/services/international-services</loc>
      <lastmod>2026-07-20T04:16:00.132Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/medical-and-dental-professionals-mortgage-program</loc>
      <lastmod>2026-07-15T17:21:00.363Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/branch-locations/pa/blue-bell-center-square-commons</loc>
      <lastmod>2026-07-20T04:19:19.127Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/understanding-how-to-budget-as-a-ny-college-student</loc>
      <lastmod>2026-07-20T09:30:08.988Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/business-banking/services/escrow-manager-transaction-instructions</loc>
      <lastmod>2026-07-15T17:22:31.575Z</lastmod>
      <changefreq>weekly</changefreq>
    </url><url>
      <loc>https://www.tompkinsbank.com/free-resources-for-ny-small-business-owners-to-start-manage-and-grow-their-companies</loc>
      <lastmod>2025-03-31T12:44:42.579Z</lastmod>
      <changefreq>weekly</changefreq>
    </url>
    </urlset>