
Checking
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 Bank of Castile. 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.
Direct Checking1
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.
- No minimum balance to open in a branch
- Free Digital Banking with text alerts,* Mobile Check Deposit and Bill Pay
- Convenient Debit Card
- Overdraft Coverage
- A paper statement fee of $3.50 applies to this account. The $3.50 fee will not apply when you enroll in eStatements rather than paper statements.
- This account has a monthly maintenance fee of $10. Enjoy this account without paying this monthly maintenance fee with direct deposits totaling $500 or more, or 10 debit card transactions per cycle. Receive a monthly credit of $10 when you do one of the two actions listed above.
Direct Checking with Interest1, 2
If you keep a higher account balance and would like to take advantage of earning interest, this account is for you.
- No minimum balance to open in a branch
- Free Digital Banking with text alerts,* Mobile Check Deposit and Bill Pay
- Convenient Debit Card
- Overdraft Coverage
- A paper statement fee of $3.50 applies to this account. The $3.50 fee will not apply when you enroll in eStatements rather than paper statements.
- This account has a monthly maintenance fee of $12. Enjoy this account without paying this monthly maintenance fee by maintaining a current balance of $2,000 or more, or direct deposit totaling $1,000 or more per cycle. Receive a monthly credit of $12 when you do one of the two actions listed above.
True Advantage Checking1
This account rewards you for your combined, linked deposit or loan accounts.
- Pays bonus Annual Percentage Yield on CDs and IRAs
- Discounts on Home Equity Loans and Personal Loans3 with auto pay from your Tompkins checking account.
- Free basic and official checks
- Savings on ATM fees when using non-Tompkins Bank of Castile ATMs
- Free Digital Banking with text alerts,* Mobile Check Deposit and Bill Pay
- Convenient Debit Card
- Overdraft Coverage
- Free paper statements
- Maintain a $5,000 monthly average balance in combined deposit accounts including CDs and IRAs, or $25,000 combined outstanding loan balances to avoid $15 monthly fee.
True Advantage Plus1, 2
This account rewards you for your combined, linked deposit or loan accounts, pays you interest and gives you unlimited access to outside ATMs.
- 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 Bank of Castile 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.
True 62 Checking1
Enjoy free paper statements and the benefit of maintaining low balances with True 62 Checking.
- No minimum balance to open in a branch
- Free Digital Banking with text alerts,* Mobile Check Deposit and Bill Pay
- Convenient Debit Card
- Overdraft Coverage
- Free paper statements
- At least one owner on the account must be age 62 or older
- Enjoy this account without paying monthly maintenance fees by maintaining a daily current balance of $1000 or more, or with direct deposits totaling $300 or more. This account has a monthly maintenance fee of $5. Receive a monthly credit of $5 when you do one of the two actions listed above.
Student Checking 1011
Being a student has its perks. Enjoy this checking account with features designed specifically for you.
- No minimum balance to open in a branch
- Savings on ATM fees when using non-Tompkins Bank of Castile ATMs
- Free Digital Banking with text alerts,* Mobile Check Deposit and Bill Pay
- Overdraft Coverage
- A paper statement fee of $3.50 applies to this account. The $3.50 fee will not apply when you enroll in eStatements rather than paper statements.
- The account owner must be between 16 and 25
Basic Banking1
If you need a simple checking account, Basic Banking provides everything you need to keep track of your money.
- No minimum balance to open in a branch
- Free Digital Banking with text alerts,* Mobile Check Deposit and Bill Pay
- Convenient Debit Card
- Overdraft Coverage
- A paper statement fee of $3.50 applies to this account. The $3.50 fee will not apply when you enroll in eStatements rather than paper statements.
- 12 withdrawals allowed by check, ATM or debit card per statement cycle. $.50 per debit afterward.
- $3 monthly maintenance fee
Side-By-Side Comparison
Compare our checking accounts - all include our Debit MasterCard and Online Banking with Bill Pay.
Direct CHECKING1 | Direct CHECKING With Interest1, 2 |
True Advantage CHECKING1 |
True Advantage CHECKING Plus1, 2 |
True 62 CHECKING1 | Student CHECKING 1011 | Basic BANKING1 | |
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Open Account | Open Account | Open Account | Open Account | Open Account | Open Account | Open Account | |
Pays Interest |
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Free Checks |
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Convenient Debit Card |
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Free Digital Banking* |
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Paper Statement Fee |
$3.50 | $3.50 | $3.50 | $3.50 | |||
Maintenance Fee |
$10 | $12 | $15 | $25 | $5 | $0 |
$3
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*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.

MOBILE BANKING
CONTROL AT YOUR FINGERTIPS
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