Fee Disclosure

SHARE SAVINGS ACCOUNT FEES

Standard Savings Account Monthly Maintenance* 
Waived if ANY ONE of the following is true:

  • You maintain an active 3Rivers checking account,
  • You receive eStatements instead of paper statements mailed through the USPS,
  • Your Standard Savings account maintains a minimum daily balance* of at least $500,
  • Your individual combined relationship** is a minimum daily balance* of at least $2,500,
  • Your Standard Savings account is 60 days old or less.
$5
Overdraft Protection Transfer  $10

CHECKING ACCOUNT FEES

Balancing Check Book (hourly rate)   $20
Check Orders Varies
Copies of Drafts (per item) $3
NSF/Uncollected Funds**  $33
ATM/POS Overdraft*** (opt-in required)  $33
Stop Payment (each or series)  $33
Overdraft Protection Transfer  $10
Rhythm Checking Fee (if requirements not met)  $5
Onward Checking Monthly Fee  $8
Standard Checking Account Monthly Maintenance (free for 60 days)

Waived if ANY ONE of the following is true:

  • You receive eStatements instead of paper statements mailed through the USPS,
  • Your Standard Checking account maintains a minimum daily balance* of at least $1,000,
  • Your individual combined relationship** is a minimum daily balance* of at least $5,000,
  • Your Standard Checking account is 60 days old or less.
$5
CARD FEES
ATM Empty Envelope Deposit $30
ATM/Mastercard Check Non-Sufficient Fund $33
ATM/Credit/Mastercard Check Replacement Card $10
Foreign ATM Machine**** (per transaction)  $1
OTHER FEES
ACH NSF/Uncollected Fund Fee $33
Cashier’s Check $5

Check Cashing*

  • 3Rivers Members
  • If not a 3Rivers member but check is drawn from a 3Rivers account

 

Free

$3

Closed Account (if closed within 90 days) $25

Coin Counting (limited locations)

  • 3Rivers Members
  • If not a 3Rivers member 

 

Free

Equal to 10% of counted value

Copy of Statement (per statement) $5
ACH Reject/Correction $5
Domestic ACH Modification Fee $15
Domestic ACH set-up  $15
Online Access Business ACH Monthly Maintenance Fee $25
Foreign Item Check Processing - Canadian $25
Foreign Item Check Processing - All Other $35
Incoming Wire Transfers  $10
International ACH Monthly Maintenance Fee  $5
International ACH Modification Fee $40
International ACH set-up $40
IRA annual maintenance fee (on accounts under $1,000 - beginning January 31, 2019) $10
IRA or SEP Account Closure $25
IRA or SEP Premature Withdrawals $10
IRA Transfer Out Fee (effective 3/1/18) $25
HSA Account Closure Fee (effective 3/1/18) $25
HSA Transfer Out Fee (effective 3/1/18) $25
Money Order $3
Money Plus Money Market - Monthly Maintenance Fee on Balances Less Than $10,000 $15
Quarterly Inactive Fee****** $10
OMA Money Market - Monthly Maintenance Incurred on Balances Less Than $5,000 $10
Outgoing Domestic Wire fee  $15.00 Recurring / $25.00 New
Outgoing International Wire fee $50.00 Recurring / $60.00 New
Returned Mail $5
Returned Mail Fee $3
Returned Deposit $25
Levy/Garnishment $20
Re-Open Account (if re-opened within 90 days) $15
Escheatment Fee $30
POPMONEY SEND & RECEIVE MONEY
Send Money Fee 3 Business Day Fee Next Day Fee
$5.00 - $249.99 $0 $1
$250.00 - $999.99 $0 $1
$1,000 and above $0 $2
Request Money 3 Business Day Fee  
$5.00 - $249.99 $0.50  
$250.00 - $999.99 $0.75  
$1,000 and above $1.50  
  Fee  
Stop Payments $20  
E-Greetings $0.25  
SAFE DEPOSIT BOX FEES
Safe Deposit Box with Dimensions of 2x5 Annual Rental Fee  $25
Safe Deposit Box with Dimensions of 3x5 Annual Rental Fee $30
Safe Deposit Box with Dimensions of 5x5 Annual Rental Fee $50
Safe Deposit Box with Dimensions of 3x10 Annual Rental Fee $55
Safe Deposit Box with Dimensions of 5x10 Annual Rental Fee $65
Safe Deposit Box with Dimensions of 10x10 Annual Rental Fee $120
Late Payment Fee After 30 Days $10

FEE DISCLOSURE

* Individuals under age 18 are exempt from these fees.

** Fee applies when overdraft is created by check, in-person withdrawal, or other electronic means.

***Fee applies when overdraft is created during an ATM or one-time debit transaction. Affirmative consent (opt-in) is required.

**** A foreign transaction is considered an inquiry, transfer, deposit or withdrawal on any non-3Rivers owned ATM.  This fee does not apply to transactions on Rhythm (Epic) or Livin' Free Checking Accounts.

***** A Point-of-Sale (POS) transaction can mean a retail shop, a checkout counter in a shop, or the location where a transaction occurs. More specifically, the point-of-sale often refers to the hardware and software used for checkouts – the equivalent of an electronic cash register.

****** No activity on account for 12 months. An account with $1,000 in assets or holder is under the age of 18 is exempt from this fee.