Checking

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 convenience of Mobile Banking with Mobile Check Deposit, Internet 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 Mobile Banking with text alerts* and  Mobile Check Deposit
  • Free Internet Banking with Bill Pay
  • Convenient Debit Card
  • A monthly maintenance fee of $2.50 applies to this account for paper statements. Receive a $2.50 monthly maintenance fee credit by enrolling in eStatements.
  • This account has a monthly maintenance fee of $8. 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 $8 when you do one of the two actions listed above.
  • Credits mentioned above will be applied to the maximum total monthly maintenance fee of $10.50 per statement cycle.

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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 Mobile Banking with text alerts* and  Mobile Check Deposit
  • Free Internet Banking with Bill Pay
  • Convenient Debit Card
  • A monthly maintenance fee of $2.50 applies to this account for paper statements. Receive a $2.50 monthly maintenance fee credit by enrolling in eStatements.
  • 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.
  • Credits mentioned above will be applied to the maximum total monthly maintenance fee of $14.50 per statement cycle.

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True Advantage Checking 1

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
  • Free personal and official checks
  • Savings on ATM fees when using non-Tompkins Bank of Castile ATMs
  • Free Mobile Banking with text alerts* and  Mobile Check Deposit
  • Free Internet Banking with Bill Pay
  • Convenient Debit Card
  • 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.

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True Advantage Checking 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
  • Free personal and official checks
  • Unlimited savings on ATM fees when using non-Tompkins Bank of Castile ATMs
  • Free Mobile Banking with text alerts* and  Mobile Check Deposit
  • Free Internet Banking with Bill Pay
  • Convenient Debit Card
  • 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 $20 monthly fee.

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True 62 Checking1

Enjoy free paper statements and the benefit of maintaining low balances with True 62 Checking.

  • No minimum balance to open your account in a branch  or maintain your account
  • Free Mobile Banking with text alerts* and  Mobile Check Deposit
  • Free Internet Banking with Bill Pay
  • Convenient Debit Card
  • 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 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.

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Student Checking 1011

Being a student has its perks. Enjoy this checking account with features designed specifically for you.

  • No minimum balance to open this account in a branch or maintain your account
  • Savings on ATM fees when using non-Tompkins Bank of Castile ATMs
  • Free Mobile Banking with text alerts* and  Mobile Check Deposit
  • Free Internet Banking with Bill Pay
  • A monthly maintenance fee of $2.50 applies to this account for paper statements.  Receive a monthly credit of $2.50 when you enroll in eStatements and view your statements online rather than paper statements.
  • The account owner must be between 16 and 25

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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 or maintain your account
  • Free Mobile Banking with text alerts* and  Mobile Check Deposit
  • Free Internet Banking with Bill Pay
  • Convenient Debit Card
  • A monthly maintenance fee of $2.50 applies to this account for paper statements. Receive a $2.50 monthly maintenance fee credit by enrolling in eStatements.
  • 8 withdrawals allowed by check, ATM or debit card per  statement cycle. $.50 per debit afterward
  • $3 monthly maintenance fee

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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.

3 All loans subject to credit approval.

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