Southern Tier Checking Account Notes


Bank of America

  • Regular Checking: Monthly maintenance fee waived with Linked Accounts. Meet one of the following balance requirements during each statement cycle: Minimum daily balance in checking-$1,500 or more or Minimum daily balance in linked Regular Savings-$2,000 or more or Minimum daily balance in linked money market savings-$5,000 or more. Average daily balance in checking with linked savings, CD and IRS accounts-$5,000 or more.
  • My Access Checking: monthly maintenance fee waived with one of the following requirements during each statement cycle: have at least one qualifying direct deposit of $250 or more made to your account each statement cycle, OR maintain an average daily balance of $1,500 or more in your account. Check images returned with statement would be an additional $3.00 a month. Free enrollment in "Keep the Change." Earn up to 20% cash back each time you use your check card with "Add It Up" program.
  • Advantage with Tiered Interest Checking: Tiered Interest rates. Monthly fee waived with combined balances of $10,000 in your checking with linked savings, CDs, IRAs, loans, line of credit, mortgage, credit card, or investment accounts, OR $15,000 outstanding balance on a linked installment loan or line of credit, OR a linked first mortgage that BofA services, OR $15,000 or more in total combined assets in your eligible linked Merrill Lynch investment accounts. Free enrollment in "Keep the Change." Earn up to 20% cash back each time you use your check card with "Add It Up" program.
  • eBanking Checking: No monthly maintenance fee when you choose online paperless statements and complete transactions online or by ATM, without a teller. Free enrollment in "Keep the Change® " savings program. Earn up to 20% cash back each time you use your check card with "Add It Up" program.

Chemung Canal Trust Co

  • Free Checking: An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no per transfer fee; or, linked to your savings account. $35 NSF fee is not charged if you have overdraft protection.
  • Global Checking: Account holders are required to receive at least 1 direct deposit, monthly e-statements, and make at least 8 Visa check card transactions during each statement cycle to waive the monthly maintenance fee. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply, with no per transfer fee; or, linked to your savings account. $35 NSF fee is not charged if you have overdraft protection.
  • 49 Forever Account: One person on the account must be age 49 or above to qualify. An additional $3 per month fee will be charged for check images returned with monthly statement. Two available options for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply; or, linked to your savings account. $35 NSF fee is not charged if you have overdraft protection.
  • NOW Account: If the average available balance is above $5,000, there is unlimited check writing with no fee. If the average daily available balance is less than $5,000, 10 checks each statement period are allowed without a fee; with a fee of $.20 for each additional check. If the average daily available balance falls below $1,000, no interest is earned and account is charged a $5 monthly service fee. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply; or, linked to your savings account. $35 NSF fee is not charged if you have overdraft protection.
  • Money Market Account: No Interest is earned on balances below $1,000. Earn NOW account rate for balances from $1,000 - $2,500. Earn Money Market rates for balances of $2,500 or more. Unlimited withdrawals if made in person, at an ATM, or when linked to automatic payments on a Chemung Canal loan. 6 checks per month. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply; or, linked to your savings account. $35 NSF fee is not charged if you have overdraft protection.
  • Prestige Money Market: Account requires opening deposit of new money only (not from funds in Chemung Canal accounts). A minimum $25,000 balance and a Chemung Canal checking account are required to open the account and to earn the stated Prestige IMMA interest rate. Balances below $25,000 earn regular money market rate. Unlimited withdrawals if made in person, at an ATM, or when linked to automatic payments on a Chemung Canal loan. 6 checks per month. An additional $3 per month fee will be charged for check images returned with monthly statement. Two options available for Overdraft Protection: an overdraft Line of Credit, subject to credit approval, limits and finance charges apply; or, linked to your savings account. $35 NSF fee is not charged if you have overdraft protection.

Citizens Bank

  • Green Checking: Monthly fee waived if you make 5 qualifying payment transactions per month from your account or maintain an average balance of $1,500. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account, subject to credit approval. Overdraft line of credit has a $30 annual fee, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.
  • Circle Gold Checking with Interest: Monthly maintenance fee waived with $20,000 combined balances in checking, savings, CDs, loans and lines of credit. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account subject to credit approval. Overdraft line of credit has a $30 annual fee waived for Circle Gold accounts, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.
  • Personal Checking with Interest: Monthly fee waived if you make 5 qualifying payment transactions per month from your account or maintain an average balance of $2,500, qualifying payment transactions include ATM withdrawals, direct automatic payments you authorize to be taken from your account by a third party, payments using our Online Banking Bill Payment service, Debit Card purchases, and paid checks. Overdraft protection is offered with: use of funds in savings account, line of credit or money market account, subject to credit approval. Overdraft line of credit has a $30 annual fee, a $10 fee each day a transfer occurs and finance charges will apply. Overdraft protection from savings has a $30 annual fee. NSF fee is $22 per item for the first day of occurrence; after the first day, it goes up to $37 per item.

Community Bank

  • Completely Free: $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.
  • 50 & Better Interest Checking: $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.
  • VIP Free Interest Checking: $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.
  • Wall Street Checking: Rate of 0.01% for balances of $0-$2,499.99. Rate of 0.03% with balances of $2,500 or more. $32 for each non-sufficient fund or overdraft item, or $25 each time you draw on unavailable funds (limited to 4 fees per day). Additionally, there is a $5 fee for each consecutive business day your account remains overdrawn beginning on the 5th business day.

First Natl Bank of Dryden

  • NOW Checking: Minimum balance to obtain APY is $300. Per item fee of $0.20 is waived when minimum balance requirement is met. Overdraft protection is available subject to credit approval with a line of credit, finance charges apply.
  • Regular Checking: Per item fee of $0.20 is waived when minimum balance requirement of $300 is met. Overdraft protection is available subject to credit approval with a line of credit, finance charges apply.
  • Regular Checking Direct Deposit: No monthly service fees with Direct Deposit. Overdraft protection is available, subject to credit approval, with a line of credit, finance charges apply.
  • Liberty Plan: Minimum age requirement for this account is 50. Overdraft protection is available subject to credit approval with a line of credit, finance charges apply.
  • Money Market Checking: Minimum balance of $5,000 to avoid monthly service fee of $3. Maximum of 6 transactions allowed per month (exceptions apply).

First Natl Bank of Groton

  • Basic Checking: First 6 months of Online Bill Pay are free. Monthly service fee is waived for Seniors or with Direct Deposit. $0.20 per-item fee if the balance in the account goes below $300 during the month only on accounts without direct deposit or non-senior accounts. $1 fee per month for ATM card. Overdraft protection offered with a Line of Credit, subject to credit approval, fees and finance charges may apply.
  • Senior Checking: First 6 months of Online Bill Pay are free. Minimum age requirement is 60. $1 fee per month for ATM card.
  • Money Market Checking: $1,000 balance required to earn interest. $5 service fee waived with minimum $1,000 balance. $1 fee per month for ATM card.

First Niagara

  • eChecking Account: Overdraft protection up to $400 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account --$10 per transfer; or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day. You can opt in for paper statements for $5 per month along with paper check images for an additional $4 per month, making check image statements $9 per month.
  • Choice Checking: Monthly maintenance fee waived with $300 minimum daily checking balance; or with direct deposit; or $5,000 combined minimum daily balance in deposits or loans, excluding mortgages and credit card balances; or 10 debit transactions per month. Overdraft protection up to $400 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account --$10 per transfer; or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day.
  • Pinnacle Checking: Tiered interest rates. Monthly maintenance fee waived with a minimum daily checking balance of $1,000; or $25,000 combined balance in deposits, loans, excluding mortgages and credit card balances or investments. Overdraft protection up to $1,000 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account --$10 per transfer; or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day. The rates listed are available for new accounts opened at branch locations rates may vary by location. Rates available for new accounts opened online may be different.
  • PinnaclePlus Checking: Tiered Interest Rates. Monthly maintenance fee waived with a minimum daily checking balance of $5,000; or $50,000 combined balance in deposits, loans excluding mortgages and credit card balances or investments. Overdraft protection up to $1,000 subject to eligibility requirements, transfer fees may apply; or, overdraft sweep from savings or money market deposit account - or, overdraft line of credit, subject to credit approval, finance charges will apply--$10 per transfer. In the case of multiple NSF items presented on the same day, the number of non-sufficient fund fee charges will be limited to 5 per day. The rates listed are available for new accounts opened at branch locations, rates may vary by location. Rates available for new accounts opened online may be different.

HSBC Bank USA NA

  • HSBC Premier: Monthly maintenance fee waived with $100,000 in qualifying combined personal deposit and investment balances. Minimum balance to earn APY is $5.
  • HSBC Advance : Monthly maintenance fee waived with $15,000 in combined qualifying balances. Minimum balance to earn APY is $5.
  • Choice Checking: To avoid a monthly $15 maintenance fee for Choice Checking, you need to maintain direct deposit or $1,500 in total combined personal deposit and investment balances. Check images are available online.
  • Basic Banking: account is designed for those who write only a few checks a month.

JPMorgan Chase Bank

  • Chase Premier Plus Checking: Tiered interest rates. Monthly service fee waived with combined average monthly balance of $15,000 or more in linked deposit, loan and investment accounts, otherwise $25 monthly service fee. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less.
  • Chase Checking Account: Monthly service fee waived with a monthly direct deposit of $500 or more OR with a $1,500 minimum daily balance OR, with an average daily balance of $5,000 or more in linked deposits investments. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less.
  • Chase Premier Platinum Checking: Tiered interest rates. Minimum Balance can be combined in qualifying checking, savings and investment accounts. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: No fee for NSF fee or stop payments. Insufficient Funds and Returned Item Fee: $0 if there were 4 or fewer Insufficient Funds or Returned Item occurrences in the previous 12 months. $34 for each item paid, maximum 3 Insufficient Funds and Returned Item Fees per day after the 4 occurrences. You will not be charged an Insufficient Funds Fee if your ending account balance is overdrawn by $5 or less. See issuer website for full details.
  • College Checking Account: No monthly service fee: if enrolled in college for up to 5 years, or with monthly direct deposits. College student must be 17-24 years of age and may be required to validate student status, college name and expected graduation date at the time of account opening. Overdraft protection options provided through savings, line of credit, or credit card account. Overdraft protection may be subject to credit approval, fees apply. NSF Fee: $34 per item or withdrawal request up to 3 per day. NSF Fee waived if closing balance is overdrawn by $5 or less. Paperless statements available online with no fee.
  • High School Checking: Students between ages 13 - 17, account jointly owned with a parent or guardian, provided that the parent or guardian maintains a separate qualified linked checking account. No monthly service fee with a joint owner who maintains a qualified linked checking account, or with monthly direct deposit. Account converts to Chase Checking when student reaches age 19.

M&T Bank

  • MyChoice Checking: Monthly service fee waived with at least 1 monthly direct deposit or 10 or more purchases or payments with your M&T check card; or, if you maintain an average daily balance of $500 or more in your account. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit subject to credit approval, certain limitations apply. NSF Fee: no charge for NSF or overdraft on any transaction that is less than $5.00. NSF Fee: no charge for NSF or overdraft on any transaction that is less than $5, $38.50 NSF or overdraft fee on each transaction of $5.00 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
  • M&T Classic Checking with Interest: Account only available for those age 50 and older. Monthly service fee waived with recurring direct deposit; 10 or more purchases or payments with your M&T check card; or, if you maintain an average daily balance of $500 or more in your account; or, with $1,500 or more in combined balances in qualifying accounts. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit subject to credit approval, certain limitations apply. NSF Fee: no charge for NSF or overdraft on any transaction that is less than $5. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
  • College Checking Account: This account is exclusively for students. The account will convert to an M&T Direct Checking account after 5 years or sooner if account holder is no longer a student. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit subject to credit approval, certain limitations apply. NSF Fee: no charge an NSF or overdraft fee if you do not have sufficient available funds in your consumer checking or savings account to cover a small-dollar transaction. The small-dollar transaction exception will apply only if the amount of the item is less than $5. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
  • Basic Banking Account: Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit (subject to credit approval, certain limitations apply). NSF Fee: no charge for NSF or overdraft on any transaction that is less than $5, $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. Upon request, each month you may receive 3 free check images with your statement, after that, each page of check images will cost an additional $5.
  • Free Checking: No charge an NSF or overdraft fee if you do not have sufficient available funds in your consumer checking or savings account to cover a small-dollar transaction. The small-dollar transaction exception will apply only if the amount of the item is less than $5, $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit, subject to credit approval, certain limitations apply.
  • MyChoice Plus Checking: No monthly service fee if you maintain any one of the below: An average balance of $2,500 or more in your MyChoice Plus Checking account throughout your monthly service charge cycle, or Combined balances of $5,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investment accounts through M&T Securities, Inc. and business deposit accounts. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit, subject to credit approval, certain limitations apply. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day.
  • MyChoice Premium Checking: No monthly service fee if you maintain any one of the below: An average balance of $7,500 or more in your MyChoice Premium Checking account throughout your monthly service charge cycle, Combined balances of $25,000 or more in eligible personal deposit accounts, loans and home equity outstanding balances, investment accounts through M&T Securities, Inc. and business deposit accounts. There is no fee for transfers to a account from an overdraft protection plan, linked M&T savings account, credit card or overdraft line of credit. Overdraft protection is available through a linked savings account, M&T Credit Card or a Overdraft line of credit, subject to credit approval, certain limitations apply. Fees may apply to use of overdraft protection services. Subject to credit approval. $38.50 NSF or overdraft fee on each transaction of $5 or more. No overdraft fee for transactions less than $5, the overdraft results from an ATM or one-time debit card transaction from your checking account and you have not elected to permit the bank to authorize and pay these transactions when you do not have enough money to pay them, OR your account has already been charged a total of 5 NSF and overdraft fees for items processed for payment on that business day.

NBT Bank

  • eChecking: Interest rates paid on the following tiers $100 to $2,499.99 and $2,500 and over. eStatements required; minimum balance to earn interest is $100. There is no minimum required to open. NSF Fee: $25 per item for the first and second occurrence; $30 per item for the third, fourth and fifth occurrence; and $35 per item for the sixth occurrence or higher. There is also a $5 grace amount the bank will allow before the account is charged overdraft fees. NBT covers overdrafts in two different ways: standard overdraft practices that come with your account and overdraft protection plans, such as a Personal Overdraft Line of Credit. NBT authorizes and pays overdrafts on the following types of transactions: checks and other transactions made using your checking account number and automatic bill payments. NBT does not authorize and pay overdrafts for the following types of transactions unless you "opt in"-- ATM transactions and everyday debit card transactions.
  • Classic Premium: NSF fees: $25 for the 1st-3rd occurrence; $30 for the 4th-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter (an occurrence is classified as a day you have an overdraft). Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
  • Classic Interest Checking: Interest rate tiers, to earn interest account balance needs to be minimum of $100. Pay no monthly maintenance fee when: Average daily collected balance is $500 or more, or age 50 or over. NSF fees: $25 for the 1st-3rd occurrence; $30 for the 4th-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter (an occurrence is classified as a day you have an overdraft). Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
  • Classic Checking: NSF fees: $25 for the 1st-3rd occurrence; $30 for the 4th-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter (an occurrence is classified as a day you have an overdraft). Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
  • Interest Premium Checking: Interest rate tiers, to earn interest account balance needs to be minimum of $100. NSF fees: $25 for the 1st-3rd occurrence; $30 for the 4th-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter (an occurrence is classified as a day you have an overdraft). This account has a monthly fee of $5 for the Premium Package which offers valuable discounts in vision plan, prescription drug program, medical supply, fraud assistance and insurance (note this $5 fee cannot be waived). Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
  • Star Privilege Premium: NSF fees: $25 for the 1st-3rd occurrence; $30 for the 4th-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter (an occurrence is classified as a day you have an overdraft). This account is only available to customers with Star Privilege Premium Plan. Monthly service fee can also be waived with $5,000 combined average daily collected balance in 4 other qualifying deposit accounts. Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.
  • iStrive Checking: A paperless account for those age 15-24. No checks. Free online banking and bill pay. Overdraft Services: Free Autolink Transfer Service when linked to your iStrive Savings. NSF fees: $25 for the 1st-3rd occurrence; $30 for the 4th-5th occurrence; and $35 for the 6th occurrence and each occurrence thereafter (an occurrence is classified as a day you have an overdraft). Additional $2 per month fee for check images returned with statement. Check images can also be viewed online.

Peoples Neighborhood Bank

  • Freedom Checking: The Freedom Checking account does not require a minimum initial deposit, but the bank would like at least $25 as an initial deposit. NSF fee is $32 per item.
  • Club Account: Monthly service fee $6 for individual insurance plan; $8 month service fee for family insurance plan. Free cashiers checks, accidental death insurance & other benefits. NSF fee is $32 per item.
  • People's Package Account: Minimum initial deposit of the difference needed to reach a combined balance of $5,000 in qualifying checking, savings and CDs. Interest is earned when combined balances of $5,000 or more are maintained. Free basic checks, discounts on other services. NSF fee is $32 per item.
  • Regular NOW: Interest is earned on balances of $1,000 or more. $7 monthly service charge if daily balance falls below $1,000. NSF fee is $32.00 per item.
  • Personal Money Market: 4 interest rate tiers, balances between $1,000 - $2,499 will earn interest at the NOW account rate, higher interest rates apply to balances of $2,500 and over. Interest rate is fixed for 1st and 2nd tiers according to current market conditions and a variable interest rate for the 3rd tier. Tier balances as follows: 1st $2,500 - $24,999; 2nd $25,000 - $49,999; 3rd $50,000 - $499,999; 4th $500,000 and over. Withdrawals from a money market account are limited to 6 per statement cycle, other limits and some exceptions apply. NSF fee is $32 per item.

Tioga State Bank

  • Rewards Checking Account: Higher APY earned with balance between $.01 and $15,000, balances above $15,000 earn a lower APY. Three requirements per qualification cycle: enrollment in TSB online e-statements, 12 or more TSB debit card purchases, and one direct deposit or ACH debit. If requirements are not met, account will still earn base APY. ATM fee reimbursement up to $25 per statement cycle with qualifying requirements met. Optional service, check images returned with statement is a $5 per month fee. A $2 per paper statement fee will be assessed unless you have confirmed enrollment in E-Statements prior to the last business day of the month. NSF fee is $30 per item.
  • Free Checking: Optional service, check images returned with statement is a $5 per month fee. NSF fee is $30 per item.
  • Interest Checking: Minimum daily balance of $2,500 to earn interest. Optional service, check images returned with statement is a $5 per month fee. NSF fee is $30 per item.

Tompkins Trust Company

  • Welcome Checking: 1st order of 50 checks free with direct deposit or ACH credit. Free Internet banking with bill pay. $50 minimum deposit when opening account online.
  • Select Checking Plus: 1st order of 50 checks free. $1,000 minimum daily balance to avoid $3 monthly maintenance fee. $50 minimum deposit when opening account online.
  • Student Checking: Free foreign ATM transactions. If you use another bank's ATM, Tompkins Trust will waive their offsite $1 fee (the ATM host bank may charge a fee). $50 minimum deposit when opening account online.
  • True Advantage: Monthly service fee waived with $10,000 average combined deposits or $25,000 outstanding loan balances. $50 minimum deposit when opening account online.
  • True Advantage Checking Plus: Monthly service fee waived with $15,000 average combined deposits or $25,000 outstanding loan balances. $50 minimum deposit when opening account online.