Tompkins Community Bank

Headquarters: Ithaca, New York
Charter: Bank
Assets: $8.8B
Fed district: New York

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $38, its standard fee, the highest of its prices
Tompkins Community Bank: $0 to $38
Tompkins Community Bank: $0 to $38
U.S. median: no median
Non-Network ATM
Tompkins Community Bank: $2
Tompkins Community Bank: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Tompkins Community Bank: $25
Tompkins Community Bank: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Tompkins Community Bank’s own schedules, with a source for each figure.

Account Maintenance

»Closed Account Fee (if less than 180 days of opening)$20
»Dormant Fee ‐ Checking & Money Market (365 days of inactivity)$8
per month
»Inactivity Fee (Inactivity for 180 days or more)$5
per month
Dormant Fee ‐ Checking (365 days of inactivity)No charge
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

»Overdraft Fee ‐ Paid$38
per transaction
Overdraft Fee ‐ PaidNo charge
Overdraft Fee ‐ UncollectedNo charge

ATM & Card

W/D SVC (ATM fee when using Non‐Tompkins Bank & Trust's ATM)$2
per transaction
Card and PIN Expedite Fee$75
per item

Wire Transfers

Wire Transfer ‐ Outgoing Domestic$25
per item
Wire Transfer ‐ Outgoing Foreign$35
per item
Wire Transfer ‐ Incoming Foreign & Domestic$15
per item

Check Services

»Cashier/Official Check$5
per item
Cashier/Official Check$1.50
per item
Stop Payment (Check or ACH)$35
per transaction
Counter Checks$1
Not compared: Charged per page; comparison unavailable
per page
Copy Fee (Imaged Check, Deposit Tickets, Deposited Items)$2
Not compared: Charged per page; comparison unavailable
per page

Cash & Deposit

Wrapping loose coins, preparing Fed‐Fit currency$25
Not compared: Charged per hour; comparison unavailable
per hour

Account Services

Box Drilling$125
Not compared: Box drilling or key fee
Key Replacement$25
Not compared: Box drilling or key fee
Lost/Replacement Key$25
Not compared: Box drilling or key fee
per item
Legal Orders (Domestic Relations, Garnishments, Levies, Writs)$150
per item
Verification of Deposit/Credit References$10
per item

Retirement & IRA

IRA Transfer Fee from Tompkins$25

Other Fees

Additional Statement Copy$3.50
per item
Photocopies (Use of Photocopier)$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
»Closed Account Fee (if less than 180 days of opening)	$20	Not stated	None
»Dormant Fee ‐ Checking & Money Market (365 days of inactivity)	$8	per month	None
»Inactivity Fee (Inactivity for 180 days or more)	$5	per month	None
Dormant Fee ‐ Checking (365 days of inactivity)	No charge	Not stated	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
»Overdraft Fee ‐ Paid	$38	per transaction	None
Overdraft Fee ‐ Paid	No charge	Not stated	None
Overdraft Fee ‐ Uncollected	No charge	Not stated	None
ATM & Card
W/D SVC (ATM fee when using Non‐Tompkins Bank & Trust's ATM)	$2	per transaction	None
Card and PIN Expedite Fee	$75	per item	None
Wire Transfers
Wire Transfer ‐ Outgoing Domestic	$25	per item	None
Wire Transfer ‐ Outgoing Foreign	$35	per item	None
Wire Transfer ‐ Incoming Foreign & Domestic	$15	per item	None
Check Services
»Cashier/Official Check	$5	per item	None
Cashier/Official Check	$1.50	per item	None
Stop Payment (Check or ACH)	$35	per transaction	None
Counter Checks	$1Not compared: Charged per page; comparison unavailable	per page	None
Copy Fee (Imaged Check, Deposit Tickets, Deposited Items)	$2Not compared: Charged per page; comparison unavailable	per page	None
Cash & Deposit
Wrapping loose coins, preparing Fed‐Fit currency	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Services
Box Drilling	$125Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Lost/Replacement Key	$25Not compared: Box drilling or key fee	per item	None
Legal Orders (Domestic Relations, Garnishments, Levies, Writs)	$150	per item	None
Verification of Deposit/Credit References	$10	per item	None
Retirement & IRA
IRA Transfer Fee from Tompkins	$25	Not stated	None
Other Fees
Additional Statement Copy	$3.50	per item	None
Photocopies (Use of Photocopier)	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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