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Personal Checking Accounts

 

CHECKING: 

WELCOME 

SELECT CHECKING PLUS 

STUDENT 

TRUE ADVANTAGE 

TRUE ADVANTAGE PLUS 

Best for you if:  You're concerned about having to maintain a certain balance to avoid a monthly maintenance fee  You keep a higher balance and would like to earn interest  You're currently enrolled in a college or university  You have multiple deposit or loan accounts with the Tompkins Mahopac Bank and would like to take advantage of relationship banking   You have multiple deposit or loan accounts with Tompkins Mahopac Bank and would like the advantages of relationship banking, plus interest 
Pays interest:   No   Yes, click here for today's rates    No   No   Yes, click here for today's rates 
Free foreign ATM transactions:   No   No   Unlimited1   4 per statement period1   6 per statement period1 
Free checks:   No  1st order of 50 checks   N/A   True Advantage checks for life   True Advantage checks for life 
Visa debit card:3 

Free 

Internet Banking with Bill Pay:   Free   Free   Free   Free   Free 
Additional features:  A $2.50 monthly fee applies for paper statements. There is no charge if enrolled for e-statements.   N/A  A $2.50 monthly fee applies for paper statements. There is no charge if enrolled for e-statements.
  • 0.25% APR4 off consumer & home equity loan rates2 
  • Earn an additional 0.25% APY4 on select CD terms 
  • Free official checks & money orders 
  • Savings of up to $175 at mortgage closing2 
 
Interest compounding frequency:   N/A   Daily   N/A   N/A    Daily 
Balance requirement to avoid  monthly  maintenance fee:5   N/A   $1,000 minimum daily   N/A  $10,000 average combined deposits or $25,000 outstanding loan balances  $25,000 average combined deposits or $100,000 outstanding loan balances 
Monthly maintenance fee if balance requirement not met:    N/A   $5   N/A   $12   $15 

1If you use another bank's ATM, we'll waive our $1 fee (up to the amount specified); the other bank may charge a fee
2Credit approval required 
3Fees may apply at ATMs not owned by Tompkins Mahopac Bank
4APR = Annual Percentage Rate and APY = Annual Percentage Yield 
5$50 Minimum deposit required if you open your account online.
 

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