Tompkins Bank & TrustChecking accountChecked Oct 10, 2026Updated
Tompkins Bank & Trust Smart Spend Checking Account
$5monthly fee
- A year for an everyday customer
- −$60 fees and interest, $2,000 kept
- On our list
- #523 of 986 checking accounts, by a year’s value for an everyday customer
Visit Tompkins Bank & TrustThe bank’s own page · checked Oct 10, 2026
Fees
- Monthly fee
- $5 a monthSource · checked Oct 10, 2026
- Overdraft fee
- NoneSource · checked Oct 10, 2026
- ATM network
- Tompkins Community BankSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $2Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 1%Source · checked Oct 10, 2026
- Incoming domestic wire
- $15Source · checked Oct 10, 2026
- Outgoing domestic wire
- $25Source · checked Oct 10, 2026
- Incoming international wire
- $15Source · checked Oct 10, 2026
- Outgoing international wire
- $35Source · checked Oct 10, 2026
- Paper statements
- $2 a monthSource · checked Oct 10, 2026
- Inactivity fee
- NoneSource · checked Oct 10, 2026
- Early closure fee
- NoneSource · checked Oct 10, 2026
- Cashier’s check
- $1.50Source · checked Oct 10, 2026
- Stop payment
- $35Source · checked Oct 10, 2026
- Card replacement
- $10Source · checked Oct 10, 2026
Features
Bill payBranch accessDebit cardMobile check depositNo minimum balanceNo overdraft fees
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
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