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Government Stimulus Payments

We understand that many of our customers are anxiously awaiting government stimulus payments. 

If you expect to receive your payment via direct deposit, please be aware that Tompkins receives and processes incoming ACH transactions Monday through Friday throughout regular business hours.  ACH transactions are not processed on the weekends

Please note we do not have information related to when eligible customers will receive their payment, and how it will be issued.  We recommend visiting the IRS website at for answers to questions like:

  • Will I receive a payment? How much will it be for?
  • When can I expect to get my payment?
  • How do I know if I’ll receive a check or a direct deposit?
  • Do I need to take action to receive payment?

Questions we can help to answer:

I closed my account with Tompkins since filing for taxes - what will happen with my direct deposit?
Unfortunately, if you no longer have an account with Tompkins, we have no choice but to return the payment to the IRS.

I had to close my account and open a new one; will my Stimulus deposit go to the correct account?
In the event you closed an account and opened a new one, we will post the deposit to the new account as long as we can positively identify you as the payment beneficiary.  If we are unable to identify the account of the payment beneficiary, we will return the payment to the IRS.

Will Tompkins cash my check if I don’t have an account there?
Tompkins will only cash checks for existing customers. Our branch staff will follow our Check Cashing Policy.

If I file a joint return, whose account will receive the deposit?
The deposit will be directed to the account listed on the 2018 or 2019 taxes (if filed).

How can I protect myself against scams?
Don’t ever give out personal information to anyone who calls, emails, or texts you, especially if they ask you to “sign up” for stimulus payments. If we ever reach out to you, we won’t ask for confidential information. The IRS has provided additional information to help you protect your funds.

What happens if I have a negative balance when my payment is deposited into my account?
If your account is or was overdrawn on the day you received your stimulus payment, we have options available to help you take full advantage of the payment. Eligible customers will be issued a provisional credit to make their account current. This credit will then be paid back over a period of time. You may request to receive full credit of your stimulus funds up to 30 days after the deposit was made into your overdrawn account. If you’re interested in taking advantage of this service, please contact your local branch or the Customer Care Center to get started.