Older couple meeting with banker
This account rewards you for your combined, linked deposit or loan accounts, pays you interest and gives you unlimited access to outside ATMs.1, 2
  • Pays bonus Annual Percentage Yield on CDs and IRAs
  • Savings on Mortgage closing costs3
  • Discounts on Home Equity Loans and Personal Loans3 with auto pay from your Tompkins checking account.
  • Free basic and official checks
  • Unlimited savings on ATM fees when using non-Tompkins ATMs
  • Free Digital Banking with text alerts,* Mobile Check Deposit and Bill Pay
  • Convenient Debit Card
  • Overdraft Coverage
  • Free paper statements
  • Maintain a $15,000 monthly average balance in combined deposit accounts including CDs and IRAs, or $25,000 in combined loan balances to avoid the $25 monthly fee.

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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.