Tompkins Bank & Trust Smart Spend Checking Account

−$60 a year for an everyday customer. $5 a month.

Checked Nov 8, 2026Updated Oct 22, 2026

A year, everyday customer: −$60
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.
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To open: Not stated

Against the market

How it ranks

#572of 1043 checking accounts, by a year’s value for an everyday customer

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

Monthly fee: $5 a monthtompkinsbank.com, checked Nov 8, 2026
Overdraft fee: Nonetompkinsbank.com, checked Nov 8, 2026
ATM network: Tompkins Community Banktompkinsbank.com, checked Nov 8, 2026
Out-of-network ATM fee: $2tompkinsbank.com, checked Nov 8, 2026
Foreign transaction fee (debit card): 1%tompkinsbank.com, checked Nov 8, 2026
Incoming domestic wire: $15tompkinsbank.com, checked Nov 8, 2026
Outgoing domestic wire: $25tompkinsbank.com, checked Nov 8, 2026
Incoming international wire: $15tompkinsbank.com, checked Nov 8, 2026
Outgoing international wire: $35tompkinsbank.com, checked Nov 8, 2026
Paper statements: $2 a monthtompkinsbank.com, checked Nov 8, 2026
Inactivity fee: Nonetompkinsbank.com, checked Nov 8, 2026
Early closure fee: Nonetompkinsbank.com, checked Nov 8, 2026
Cashier’s check: $1.50tompkinsbank.com, checked Nov 8, 2026
Stop payment: $35tompkinsbank.com, checked Nov 8, 2026
Card replacement: $10tompkinsbank.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

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