Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $1B to $10B

Tompkins Community Bank

Ithaca, New YorkBankNew York Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

»Dormant Fee ‐ Checking & Money Market (365 days of inactivity)$8Within the typical range ($5–$10 nationally)

Overdraft & NSFVerified

»Overdraft Fee ‐ Paid$38Above the typical range ($25–$32 nationally)
$8 above the national median
per transaction · Source
Overdraft Fee ‐ Paid$0Below the typical range ($25–$32 nationally)
$30 below the national median
Source

ATM & CardVerified

Card and PIN Expedite Fee$75Above the typical range ($30–$50 nationally)
$35 above the national median
Source
W/D SVC (ATM fee when using Non‐Tompkins Bank & Trust's ATM)$2Within the typical range ($1–$2.50 nationally)
$0.05 above the national median
per transaction · Source

Wire TransfersVerified

Wire Transfer ‐ Incoming Foreign & Domestic$15Within the typical range ($10–$25 nationally)
At the national median
Source
Wire Transfer ‐ Outgoing Domestic$25Within the typical range ($20–$25 nationally)
At the national median
Source
Wire Transfer ‐ Outgoing Foreign$35Below the typical range ($40–$50 nationally)
$15 below the national median
Source

Check ServicesVerified

»Cashier/Official Check$5Within the typical range ($3–$5.50 nationally)
At the national median
per item · Source
Copy Fee (Imaged Check, Deposit Tickets, Deposited Items)$2Within the typical range ($2–$5 nationally)
$1 below the national median
Source
Counter Checks$1Within the typical range ($1–$4 nationally)
$1 below the national median
Source
Stop Payment (Check or ACH)$35Above the typical range ($20–$30 nationally)
$8 above the national median
per transaction · Source

Account ServicesVerified

Box Drilling$125Above the typical range ($25–$80 nationally)
$80 above the national median
Source
Legal Orders (Domestic Relations, Garnishments, Levies, Writs)$150Above the typical range ($30–$75 nationally)
$100 above the national median
Source
Lost/Replacement Key$25Within the typical range ($25–$80 nationally)
$20 below the national median
Source
Verification of Deposit/Credit References$10Within the typical range ($10–$15 nationally)
At the national median
Source

Other FeesVerified

Additional Statement Copy$3.50Within the typical range ($2–$5 nationally)
$0.50 above the national median
Source
Photocopies (Use of Photocopier)$1Below the typical range ($2–$5 nationally)
$2 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
»Dormant Fee ‐ Checking & Money Market (365 days of inactivity)	$8Within the typical range ($5–$10 nationally)	$3 above the national median	per month	—	Source
»Inactivity Fee (Inactivity for 180 days or more)	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Account Reconciliation	$25Within the typical range ($20–$25 nationally)	At the national median	—	—	Source
Debit/Check Card Inactivity Fee (Inactivity for 180 days or more)	$0Below the typical range ($5–$10 nationally)	$5 below the national median	per item	—	Source
Dormant Fee ‐ Checking (365 days of inactivity)	$0Below the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Overdraft & NSFVerified
»Overdraft Fee ‐ Paid	$38Above the typical range ($25–$32 nationally)	$8 above the national median	per transaction	—	Source
Overdraft Fee ‐ Paid	$0
ATM & CardVerified
Card and PIN Expedite Fee	$75Above the typical range ($30–$50 nationally)	$35 above the national median	—	—	Source
W/D SVC (ATM fee when using Non‐Tompkins Bank & Trust's ATM)	$2
Wire TransfersVerified
Wire Transfer ‐ Incoming Foreign & Domestic	$15Within the typical range ($10–$25 nationally)	At the national median	—	—	Source
Wire Transfer ‐ Outgoing Domestic	$25
Check ServicesVerified
»Cashier/Official Check	$5Within the typical range ($3–$5.50 nationally)	At the national median	per item	—	Source
Copy Fee (Imaged Check, Deposit Tickets, Deposited Items)	$2
Account ServicesVerified
Box Drilling	$125Above the typical range ($25–$80 nationally)	$80 above the national median	—	—	Source
Legal Orders (Domestic Relations, Garnishments, Levies, Writs)	$150
Retirement & IRAVerified
IRA Transfer Fee from Tompkins	$25Within the typical range ($25–$35 nationally)	At the national median	—	—	Source
Other FeesVerified
Additional Statement Copy	$3.50Within the typical range ($2–$5 nationally)	$0.50 above the national median	—	—	Source
Photocopies (Use of Photocopier)	$1

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$38

Overdraft fee: $38

27% above the national median overdraft fee

Total fees: 23 — leaner than most institutions

Headline fees published

6 of 15

Published fees

Under review

Assets

$8.8B

Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$8.8B

Total deposits

$7.2B

Service charge income

$1.8M

Fee income ratio

2.0%

Return on assets

1.45%

Branches

Service charge income by quarter

Q2 2026$1.8M

Q1 2026$1.8M

Q4 2025$1.8M

Q3 2025$1.8M

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

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Based on 39,720 published fee entries from 2,775 institutions

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