Monthly fee
$12
$0 a year for an everyday customer: fees and interest, $2,000 kept.
Tompkins Bank & Trust · Checking account
Tompkins Bank & Trust Direct Checking with Interest
$0 a year for an everyday customer. $12 a month. No minimum to open.
- A year, everyday customer
- $0
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · tompkinsbank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · tompkinsbank.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#382of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Bill pay
- Debit card
- Interest bearing
- Mobile check deposit
- Online opening
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0.01tompkinsbank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $12 a monthtompkinsbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- maintaining a minimum daily balance of $2,000 or more
- direct deposit totaling $1,000 or more per cycle
- Minimum to open
- Nonetompkinsbank.com, checked Nov 8, 2026
- Paper statements
- $3.50 a monthtompkinsbank.com, checked Nov 8, 2026
Who can open it
- Where
- New York, Pennsylvaniatompkinsbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees